Auto Insurance

Car insurance in Chester County

Car insurance near me?

Keystone State Insurance provides affordable auto insurance coverage for all of Chester County, including West Chester, Exton, Downingtown, Malvern, Paoli and Chadds Ford.

Car insurance covers much more than just your car. It also covers the driver as well as anyone else who might be injured in the accident.

Did you know that 77% of drivers have been in at least one car accident? This number is rising thanks to distracted drivers using their mobile phones while driving.

You're at risk whenever you get into a car!

But having great coverage doesn't have to mean higher premiums.

As an independent insurance agent, we shop your current coverage with a wide range of insurance providers to get you the best deal possible. Our services don't cost you a penny more because we get paid by the insurance carriers directly. We simply work on your behalf to make sure you're covered and that there aren't any gaps in your policy.

Important Auto Insurance Coverages

We can help you find insurance that protects you against...

Collision covereage
Comprehensive coverage
Property damage
Bodily injury liability
Uninsured & under-insured liability

Common Auto Insurance Rating Variables

Age — Drivers under 25 and over 65 are typically more expensive to cover
Credit — The better your credit, the better your rates will usually be
Car — Type of car, engine size, safety features, etc. are all factors
Driving History — your driving record and accidnet history are likely the largest factor in your insurance premiums
Household — insurance companies underwrite at the household level, meaning they try to judge based on the entire household. If there are multiple drivers in the house who are under the age of 25, that will impact everyone’s pricing in the household