Buy Cheap Chester, NY Auto Insurance (2021)

Chester, NY auto insurance rates average $394 a month. Minimum auto insurance requirements in Chester, New York are 25/50/10 to comply with New York laws. To buy cheap auto insurance in Chester, NY, compare Chester auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Chester, NY after a DUI are $6,308/year
  • The most expensive auto insurance company in Chester is Liberty Mutual
  • Average auto insurance rates in Chester, NY are $394/month

Finding affordable Chester, New York auto insurance can be challenging, but everything you need to know to buy cheap Chester, NY auto insurance with confidence is right here. Auto insurance rates in Chester are affected by local factors as well as personal ones like your driving record.

See how Chester, NY car insurance rates compare to Schenectady auto insurance rates, Albany auto insurance rates, and Yonkers auto insurance rates before you read more about the cost of auto insurance in Chester.

Don’t buy Chester, NY auto insurance until you’ve compared rates. Get free Chester, New York auto insurance quotes when you enter your ZIP code above.

Chester, NY Minimum Auto Insurance Requirements

The required auto insurance in Chester, NY is 25/50/10 according to the auto insurance laws in New York. The minimum auto insurance in Chester, New York is outlined here.

Minimum Required Auto Insurance Coverage in Chester, New York

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Find Cheap Chester, NY Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Chester, NY. Take a look at Chester, New York auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Chester, New York

Insurance Company Poor Fair Good
Allstate $8,498 $4,916 $4,213
GEICO $3,407 $2,503 $2,246
Liberty Mutual $9,532 $6,225 $4,655
Nationwide $4,429 $4,429 $4,429
Progressive $6,551 $3,285 $2,376
State Farm $6,891 $4,321 $3,429
Travelers $6,900 $4,254 $3,664
USAA $6,270 $3,162 $2,791

Buy Cheap Chester, NY Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Chester, New York auto insurance rates? Find out how car insurance rates in Chester, NY are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Chester, New York

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,849 $3,586 $3,640 $3,700 $11,926 $12,832 $3,726 $3,747
GEICO $1,973 $1,898 $1,917 $1,889 $4,235 $6,248 $1,775 $1,816
Liberty Mutual $4,925 $4,925 $4,584 $4,584 $9,622 $15,635 $4,925 $5,233
Nationwide $3,294 $3,294 $3,100 $3,100 $6,028 $9,066 $3,294 $4,252
Progressive $2,495 $2,308 $1,973 $2,012 $8,331 $9,195 $3,187 $3,063
State Farm $3,075 $3,075 $2,683 $2,683 $9,022 $11,573 $3,383 $3,550
Travelers $3,595 $3,549 $3,256 $3,444 $8,279 $9,748 $3,775 $3,868
USAA $2,108 $2,070 $1,914 $1,914 $8,632 $10,262 $2,704 $2,990

Buy Cheap Chester, NY Auto Insurance for Teen Drivers

Auto insurance for teenagers in Chester can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Chester, NY are listed here.

Annual Auto Insurance Rates for Teen Drivers in Chester, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,926 $12,832
GEICO $4,235 $6,248
Liberty Mutual $9,622 $15,635
Nationwide $6,028 $9,066
Progressive $8,331 $9,195
State Farm $9,022 $11,573
Travelers $8,279 $9,748
USAA $8,632 $10,262

Buy Cheap Chester, NY Auto Insurance for Seniors

You can save on senior auto insurance rates in Chester, New York by comparing Chester senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Chester, NY here.

Annual Auto Insurance Rates for Senior Drivers in Chester, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,640 $3,700
GEICO $1,917 $1,889
Liberty Mutual $4,584 $4,584
Nationwide $3,100 $3,100
Progressive $1,973 $2,012
State Farm $2,683 $2,683
Travelers $3,256 $3,444
USAA $1,914 $1,914

Find Cheap Auto Insurance Rates in Chester, NY by Coverage Level

The amount of coverage you choose is a big factor in the cost of Chester, New York auto insurance. Compare Chester, NY auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Chester, New York

Insurance Company Low Medium High
Allstate $5,501 $5,852 $6,274
GEICO $2,564 $2,706 $2,885
Liberty Mutual $6,496 $6,783 $7,134
Nationwide $4,156 $4,391 $4,739
Progressive $3,845 $4,042 $4,325
State Farm $4,640 $4,907 $5,095
Travelers $4,673 $4,886 $5,258
USAA $3,942 $4,051 $4,230

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Find Cheap Chester, NY Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Chester. Compare auto insurance rates in Chester, NY by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Chester, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,793 $5,959
GEICO $2,639 $2,799
Liberty Mutual $6,613 $6,996
Nationwide $4,429 $4,429
Progressive $4,071 $4,071
State Farm $4,704 $5,057
Travelers $4,939 $4,939
USAA $4,033 $4,115

Find Cheap Chester, NY Auto Insurance Rates by Driving Record

Auto insurance rates in Chester, New York are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Chester, NY, take a look at the average cost for various violations versus rates for a clean driving record in Chester.

Annual Chester, New York Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,907 $4,907 $7,380 $6,310
GEICO $2,106 $2,297 $4,367 $2,106
Liberty Mutual $5,426 $5,426 $10,939 $5,426
Nationwide $3,344 $3,344 $7,603 $3,424
Progressive $3,956 $3,956 $4,389 $3,981
State Farm $4,647 $4,647 $5,114 $5,114
Travelers $4,197 $5,289 $5,361 $4,911
USAA $3,623 $3,683 $5,308 $3,683

Find Cheap Chester, NY Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Chester, New York is higher than for a clean driving record. You can buy auto insurance after a DUI in Chester for less when you shop around and compare rates from multiple Chester, NY auto insurance companies.

Annual Auto Insurance Rates After a DUI in Chester, New York

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,380
GEICO $4,367
Liberty Mutual $10,939
Nationwide $7,603
Progressive $4,389
State Farm $5,114
Travelers $5,361
USAA $5,308

Winners by Category: Where to Buy Cheap Auto Insurance in Chester, NY

Compare rates from the cheapest auto insurance companies in Chester, NY for your needs. Take a look at how Chester, New York auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Chester, New York

Category Insurance Company
Teenagers GEICO
Seniors GEICO
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI GEICO
With 1 Speeding Violation GEICO

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Find Cheap Chester, New York Auto Insurance Companies

If you’re looking for the cheapest Chester, NY auto insurance companies overall, you can compare them here. Find the best price for Chester, New York car insurance by company.

Average Annual Auto Insurance Rates by Company in Chester, New York

Insurance Company Average Annual Rates
Allstate $5,876
GEICO $2,719
Liberty Mutual $6,804
Nationwide $4,429
Progressive $4,071
State Farm $4,881
Travelers $4,939
USAA $4,074

What affects Chester, New York auto insurance rates?

Local factors affect auto insurance rates in Chester, NY, including traffic, theft statistics, and commute length. Take a look at the things that impact Chester auto insurance rates.

Commute Times in Chester

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Chester, NY is 35.5 minutes according to City-Data.

Traffic in Chester

How is traffic in Chester, New York? Inrix data shows that Chester, NY traffic makes it the 282nd-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Chester, NY

You can buy cheap Chester, NY auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Chester, New York auto insurance quotes from top companies.

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