On average your neighbors pay $62 a month.See Your Rates
Chesapeake, Virginia’s third largest city, has relatively affordable car insurance. If a you’re a Chesapeake driver looking to save on auto insurance, we can help you. This page covers average rate, driver statistics, and car insurance laws in Chesapeake.
How much is car insurance in Chesapeake? It’s considerably cheaper than the rest of the country! Average auto insurance in Virginia costs $750.85 per year. The national average price is $889.01.
Prices vary based on your driving record, zip code, traffic conditions, and more.
|Total Cost Per Year||$750.85|
|Price Per Month||$62.57|
|Source: Facts + Statistics: Auto insurance|
The graph below shows the average Virginia insurance rates from 2011 to 2015. This is the most recent data available. An III study found that Chesapeake’s annual premiums went from $679.60 in 2011 to $750.85 in 2015. This is a jump of about $71 dollars, or 10.48 percent.
QuoteWizard helps consumers compare quotes from both top national insurance companies and local agents. Comparing quotes can help you find cheap car insurance rates near Chesapeake, Virginia. You can save up to 40% on your premium.
Last year, 9,246 Chesapeake drivers used QuoteWizard to compare car insurance quotes in Chesapeake, VA from multiple companies to get the cheapest rates.
These are the most popular car insurers according to QuoteWizard users in Chesapeake, Virginia last year. 1,707 of those drivers were uninsured when they requested a quote.
These are the most popular cars owned by Chesapeake, VA QuoteWizard users.
Chesapeake, Virginia requires drivers to have minimum liability coverage of 25/50/20. This means your policy must include:
Virginia law also requires driver maintain the following uninsured/underinsured coverage:
Minimum coverage may look cheaper short term. But it’ll cost you much more after an accident. Minimum coverage doesn’t include collision or comprehensive coverage. It only pays for damages to others and their property. However, it doesn’t cover you, your car, and your expenses. If you have an accident with only minimum coverage, your expenses are out-of-pocket.
Given that, we recommend the following coverage:
Insurance is more expensive in areas with bad drivers and high accident rates. How do Chesapeake’s drivers fare? A QuoteWizard study ranked state and city drivers from best to worst. According to our data, Virginia came in as the 8th worst state for driving.
Regional factors such as weather, road conditions, and traffic will affect your auto rates. The riskier your driving conditions, the higher your premium can be.
Chesapeake has hot, humid summers and relatively mild winters. The city has an average annual snowfall of about five inches. That’s great news for your car insurance rates, as the stable weather won’t raise your premiums.
TRIP reports that 48% of Virginia’s roads are in poor condition. Driving on poor roads costs Virginia drivers $585 annually in extra car operating costs.
Chesapeake is part of the Hampton Roads area. The TomTom traffic index ranks the Hampton Roads 31st for worst traffic congestion.
Citations and at-fault accidents hurt your driving record. Drivers with tickets and accidents on their record pay more for car insurance. If you have too many tickets, you may need to buy high-risk auto insurance, which is much more expensive than regular car insurance. In some cases, high-risk drivers might struggle to get coverage.
Chesapeake uses a point system to regulate traffic offenses. Every offense comes with a certain amount of demerit points. Speeding can earn you three to six demerits. Demerits lead to a chance of a license suspension or revoking.
Chesapeake has started using photo enforcement to curb red light running. The penalty for red light running doesn’t exceed $50.
VA drivers with a suspended license due to DUI must file an SR-22 form. You are required to carry the SR-22 for 36 straight months. Failure to renew the SR-22 before it expires results in license suspension.
Drivers pay more for insurance in areas with high accident rates. In 2017, Chesapeake police reported 2,377 crashes.
Chesapeake reported 19 crash fatalities in 2017. That is a fatality rate of .11 per 1,000 Chesapeake drivers.
Drivers in areas with high car theft pay more for car insurance. Chesapeake recently reported 320 annual car thefts.
Are you looking for affordable car insurance? Get a quote and find out which discounts you qualify for. Chesapeake drivers have many car insurance discount options:
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