Chester Auto Insurance Rates, Quotes, Agents & Reviews in MD

Chester, MD Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Chester, MD, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Chester, MD are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Chester, MD Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Chester, MD with that of other cities in and around Chester.

Chester Kent Narrows Stevensville Cape St. Claire Highland Beach Naval Academy
Average Insurance Rates $1,390 $1,488 $1,415 $1,421 $1,510 $1,845

Chester, MD Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Chester, MD based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Chester $1,467 $1,239
Stevensville $1,398 $1,181
Kent Narrows $1,408 $1,189
Grasonville $1,948 $1,645
Queenstown $2,337 $1,974
Highland Beach $1,820 $1,537
Cape St. Claire $1,779 $1,502
Naval Academy $1,900 $1,605

Chester, MD Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Chester, MD usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,510
20 Years $1,786
30 Years $1,376
40 Years $1,324
50 Years $1,226
60 Years $1,243
70 Years $1,447

Chester, MD Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Chester, MD can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,363 $417
3 Vehicles $3,545 $626
4 Vehicles $4,726 $834

Savings on 2 Vehicles bundle:$417

Savings on 3 Vehicles bundle:$626

Savings on 4 Vehicles bundle:$834

Chester, MD Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Chester, MD.

Location Average Insurance Cost Post DUI Insurance Rate
Chester $1,390 $2,216
Stevensville $1,415 $2,256
Kent Narrows $1,488 $2,372
Grasonville $1,395 $2,224
Queenstown $1,371 $2,186
Highland Beach $1,510 $2,407
Cape St. Claire $1,421 $2,266
Naval Academy $1,845 $2,942

Chester, MD Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,193
Excellent (740-799) $1,361
Good (670-739) $1,448
Average (580-669) $1,890
Poor (300-579) $2,267

Chester, MD Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Brian Burnell Allstate 700 Abruzzi Dr Ste A, Chester, 21619 (410) 643-8181
Bay Area Insurance Group Llc Liberty Mutual Independent 818 E COLLEGE PKWY, ANNAPOLIS, 21409 (410) 647-7333
The Avon-Dixon Agency Llc Travelers 202 PULLMAN CROSSING, GRASONVILLE, 21638 410-827-3161
Kelly Risk Management, Llc None 810 E. College Parkway , Annapolis, 21409 None
Helfenbein Insurance Agency, Inc. None 100 Helfenbein Lane, Ste 200, Chester, 21619 None
Severn River Insurance Llc Nationwide 8136 Fort Smallwood Rd, Baltimore, 21226 (410) 255-8100
Matthew C Simpson Nationwide 108 Old Solomons Island Rd Bldg 2 unit L1, Annapolis, 21401-3828 (410) 573-9104
Lee Tayson Lutcf Liberty Mutual 5 Bel Air South Pkwy Suite 01579, Bel Air, 21015 1-410-569-2801
Joseph Bozel Allstate 501 Washington Ave Ste 300, Towson, 21204 (410) 296-0835

Chester, MD Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$61 $1,451
Driver's Failure In Showing Documents +$135 $1,525
Driving With An Expired Registration +$143 $1,533
Driving At A Considerably Slow Pace +$302 $1,692
Using A Cellphone While Driving +$318 $1,708
Running A Red Light +$324 $1,714
Speeding +$341 $1,731
Driving A Vehicle Without The Required Permission +$432 $1,822
Driving With An Expired/Suspended License +$937 $2,327

Chester, MD Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,334
Active Disabling Device $1,334
Tracking Device $1,307
Passive Disabling Device $1,293