Watkins played field hockey for St. Andrew's College in a team that also included her older sister, Courtney and Gillian Pinder. She played in four Leinster Schoolgirls' Senior Cup finals, regularly playing against teams that included future Ireland team mates. In the 2006 final St. Andrew's defeated a Loreto, Beaufort team that included Hannah Matthews. 13-year-old Chloe Watkins scored St Andrew's second goal, with an assist from Courtney Watkins, in a 2–0 win. In the 2007 final, the Watkins sisters and Gillian Pinder lost 5–0 to an Alexandra College team that featured Nicola Evans. In the 2009 final St. Andrew's again faced Loreto, Beaufort and Hannah Matthews. This time St. Andrew's won 2–0 after extra time. Courtney Watkins co-captained the team and scored the second goal. In the 2010 final Chloe Watkins captained St. Andrew's as they defeated an Alexandra College team that featured Deirdre Duke and Emily Beatty. Gillian Pinder scored the opening goal in a 2–0 win. In 2010 Chloe Watkins and Gillian Pinder were also members of the St. Andrew's College team that won the Kate Russell All-Ireland Schoolgirls Championship, defeating Coláiste Iognáid, Galway 3–1 in the final. On 10 September 2018, after their success at the Women's Hockey World Cup, Watkins and Pinder returned to St. Andrew's to share their experience with the current students at St. Andrew's.