Chester has 24,474 residents in 9,375 households. We list 5 insurance agencies in Chester. Here is what the local numbers say about the cover people here need.

Chester at a glance

5insurance agencies listed
28.7%of households rentRenters insurance
$327,200median home valueHome insurance
1990median year homes were builtRebuild cost calculator
4.1%of households have no carAuto insurance
5.4%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Chesterfield County

FEMA rates the overall natural hazard risk in Chesterfield County, where most Chester agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

Winter weatherRelatively High
Ice stormRelatively High
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Virginia

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Virginia

Virginia requires drivers to carry at least $50,000 of bodily injury liability per person, $100,000 per accident and $25,000 of property damage liability, often written 50/100/25. It also requires uninsured and underinsured motorist coverage ($50,000 per person, $100,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Virginia How much liability cover do you need?

Source: law.lis.virginia.gov, limits in force since 2025-01-01. Checked 2026-10-24.

What Chester agencies can write

Share of the 5 agencies listed in Chester that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Where Chester agencies are

Chester agencies we list sit in 2 ZIP codes, mostly in Chesterfield County.

238313 agencies
238362 agencies

Questions

Insurance agencies in Chester

How do I find an insurance agency in Chester?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

Do I need flood insurance in Chester?

FEMA's National Risk Index rates inland flooding risk in Chesterfield County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Chester?

28.7% of households in Chester rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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Agencies near Chester

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