Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.

Get Cheap Car Insurance in Chambersburg, Trenton, NJ

We monitor insurance prices, helping the average driver in Chambersburg save up to 37.9% on car insurance.

 

Start Saving

;

The Cheapest Minimum Coverage in Chambersburg

The chart below shows the cheapest car insurance company in Chambersburg for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Geico, Plymouth Rock Assurance, and NJM.

 
Chambersburg Insurer Monthly Cost
State Farm $69
Geico $72
Plymouth Rock Assurance $88
NJM $104

Savings for Every Kind of Chambersburg Driver

The table shows how much the average auto insurance customer in Chambersburg might save by following our recommendations.

Based on our extensive insurance data, we know the average Chambersburg driver will save about 26% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $543 per year by choosing the right vehicle insurance company. Some Chambersburg residents are paying out over $2,071 extra every year for auto insurance in Chambersburg. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Chambersburg, Trenton, NJ Savings / Yr.
Drivers with good records
$543
Drivers with accidents
$1,007
Drivers with speeding tickets
$773
Drivers with a DUI conviction
$667
Young drivers
$2,679
Married drivers
$522
Drivers with bad credit
$812

Chambersburg Car Insurance vs. Trenton

People living in Chambersburg pay an average of 14.04% more than the typical driver in the state. The average driver in Chambersburg can expect to pay about $1,235 per year, or $2,071 for full coverage.

Based on our analysis, Geico will be the cheapest provider in Chambersburg for most people.

Car Insurance Prices by Chambersburg Neighborhood

Chambersburg, Trenton, NJ map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Chambersburg?

The map shows insurance prices in and around Chambersburg, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $286 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,273 to a low of $1,987. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the West parts of Chambersburg.

Pick the Best Car Insurance Company for You in Chambersburg

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Chambersburg insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Chambersburg

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $543 over the average Chambersburg car insurance company.

Visit Site

We use the average good driver, paying $127 per month, as our baseline for pricing in Chambersburg. Geico, NJM, and Plymouth Rock Assurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Chambersburg drivers with accidents on their records

In Chambersburg getting into an accident will raise premiums an average 35% for a yearly cost of $3,202. That's $1,131 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Geico, NJM, and Plymouth Rock Assurance are good choices for drivers with accidents.

In our analysis, NJM saved the average person who had been in an accident the most, with annual savings averaging $1,007 over the competition.

Visit Site

The best car insurance company for Chambersburg drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $773 better than other car insurance companies.

Visit Site

Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Chambersburg, tickets raise premiums on new quotes about $440. If you have a speeding ticket, we recommend State Farm, Geico, and Plymouth Rock Assurance for savings that beat the average insurance cost of $2,511 per year.

The best auto insurance for Chambersburg drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,831 per year in auto insurance premiums, which was $760 more than a driver with no major issues. Geico, Progressive, and NJM penalized their customers the least for a DUI.

Getting a quote from NJM may cost the average person with a DUI about $667 less each year.

Visit Site

The least expensive car insurance company for new and young drivers in Chambersburg

In Chambersburg, Geico costs young drivers $2,679 less each year versus the average auto insurance bill.

Visit Site

Teen drivers account for more than their share of accidents, and thus end up paying about 71% more for insurance than more mature drivers in Chambersburg. With an average cost of $7,063 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and NJM try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Chambersburg

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $79. State Farm, Geico, and Plymouth Rock Assurance provided the largest discounts to couples living in Chambersburg.

Geico gave the largest car insurance discounts to married couples, averaging $522 saved each year compared to an average Chambersburg couple's premiums.

Visit Site

The cheapest car insurance in Chambersburg for drivers with bad credit

People with poor credit saved an average of $812 with NJM.

Visit Site

Many people are surprised that their poor credit score can cost them an average of $1,233 every year. Premiums for people with poor credit were about $3,304 in Chambersburg. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Progressive, and NJM.

The best Chambersburg car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Chambersburg, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks NJM as the best provider in Chambersburg.

Nationwide was the best company for customer service in Chambersburg according to the NAIC.

Visit Site

Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Chambersburg, which was better than other insurers.

Visit Site

During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Chambersburg. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Chambersburg

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 71% of Chambersburg residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Chambersburg driver can expect to pay about $112 per month.

Visit Site

What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Chambersburg, USAA has the best prices for none of the categories above.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Chambersburg

What Influences the Cost of Car Insurance in Chambersburg?

On average, car insurance in Chambersburg is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in Chambersburg is 31 minutes, which is far less than average for a driver in the city.
  • New Jersey state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Chambersburg are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
  • Chambersburg is one of the least populated areas in the state. The neighborhood’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Chambersburg is $103 per month for minimum coverage and $173 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Chambersburg driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Chambersburg with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.