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Get Cheap Car Insurance in Chester, NJ
We monitor insurance prices, helping the average driver in Chester save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in Chester
The chart below shows the cheapest car insurance company in Chester 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.
| Chester Insurer | Monthly Cost |
|---|---|
| State Farm | $57 |
| Geico | $60 |
| Plymouth Rock Assurance | $73 |
| NJM | $87 |
Savings for Every Kind of Chester Driver
Based on our extensive insurance data, we know the average Chester 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 $453 per year by choosing the right vehicle insurance company. Some Chester residents are paying out over $1,729 extra every year for auto insurance in Chester. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Chester, NJ Savings / Yr. |
|---|---|
$453 |
|
$841 |
|
$646 |
|
$557 |
|
$2,237 |
|
$436 |
|
$678 |
Chester Car Insurance vs. New Jersey
People living in Chester pay an average of 4.77% less than the typical driver in the state. The average driver in Chester can expect to pay about $1,031 per year, or $1,729 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Chester for most people.
Car Insurance Prices by Chester Neighborhood
Insurance Prices
Where is insurance cheapest within Chester?
The map shows insurance prices in and around Chester, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $122 per year within the city boundaries, with insurance premiums ranging from a high of $1,774 to a low of $1,652. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northeast parts of Chester.Pick the Best Car Insurance Company for You in Chester
The best car insurance provider for most drivers in Chester
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $453 over the average Chester car insurance company.
The best car insurance provider for Chester drivers with accidents on their records
In our analysis, NJM saved the average person who had been in an accident the most, with annual savings averaging $841 over the competition.
The best car insurance company for Chester drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $646 better than other car insurance companies.
The best auto insurance for Chester drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $557 less each year.
The least expensive car insurance company for new and young drivers in Chester
In Chester, Geico costs young drivers $2,237 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Chester
Geico gave the largest car insurance discounts to married couples, averaging $436 saved each year compared to an average Chester couple's premiums.
The cheapest car insurance in Chester for drivers with bad credit
The best Chester car insurance company for customer service
Recent price drops
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The cheapest large national provider in Chester
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Chester driver can expect to pay about $112 per month.
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 Chester, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Chester
What Influences the Cost of Car Insurance in Chester?
On average, car insurance in Chester is actually less expensive than the rest of the state. These low 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 city are influenced by the following factors:
- 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 Chester are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Chester is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Chester is $86 per month for minimum coverage and $144 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 Cities
- Flanders: Insurance costs 0.93% more
- Mendham: Insurance costs 1.62% less
- Succasunna: Insurance costs 3.88% more
- Peapack and Gladstone: Insurance costs 1.50% less
- Brookside: Insurance costs 3.24% less
- Long Valley: Insurance costs 0.17% less
- Pottersville: Insurance costs 3.30% less
- Gladstone: Insurance costs 1.62% less
- Ledgewood: Insurance costs 0.29% less
- Far Hills: Insurance costs 0.17% more
Cities with Similar Populations
- Knox: Insurance costs 31.06% less
- Terryville: Insurance costs 11.57% more
- Kronenwetter: Insurance costs 36.26% less
- Krum: Insurance costs 5.38% less
- Terry: Insurance costs 2.78% more
- Tennessee Colony: Insurance costs 3.82% less
- Tell City: Insurance costs 31.93% less
- La Grange: Insurance costs 4.92% less
- La Joya: Insurance costs 3.35% more
- La Junta: Insurance costs 12.09% more