Best auto Insurance Rates in Chesapeake, Virginia

On average your neighbors pay $62 a month.

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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.

Average Chesapeake Insurance Rates

How much is car insurance in Chesapeake? It’s considerably cheaper than the rest of the country! Average car insurance in Chesapeake 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.

Virginia Average Annual Car Insurance Rates
Coverage Rates
Liability $425.61
Collision $280.520
Comprehensive $136.54
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.

Virginia average car insurance rates

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.

Best Car Insurance Companies in Chesapeake, VA

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.

Top 10 Vehicles in Chesapeake

These are the most popular cars owned by Chesapeake, VA QuoteWizard users.

  1. Ford F-150
  2. Nissan Altima 2.5/S
  3. Honda Accord LX/EX
  4. Toyota Camry LE
  5. Nissan Sentra S
  6. Ford Focus SE
  7. Ford Explorer
  8. Ford Mustang
  9. Nissan Versa S
  10. Ford Fusion SE
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Chesapeake, VA

Virginia requires drivers to have minimum liability coverage of 25/50/20. This means your policy must include: 

  • $25,000 Individual Bodily Injury Liability (BIL):
    The max amount paid for a person injured in a car accident.
  • $50,000 Total Bodily Injury Liability:
    The total amount paid for every person injured in a car accident.
  • $20,000 Property Damage Liability (PDL):
    The max amount paid for property damage caused by a car accident.

Virginia law also requires driver maintain the following uninsured/underinsured coverage:

  • $25,000 of uninsured/underinsured motorist bodily injury coverage per person
  • $50,000 of uninsured/underinsured motorist bodily injury coverage per incident
  • $20,000 of uninsured/underinsured property damage coverage per incident

Recommended Coverage Levels

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: 

  • Individual Body Injury Liability: $100,000 
  • Total Bodily Injury Liability: $300,000 
  • Property Damage Liability: $100,000 

Chesapeake Drivers

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.

Driving Conditions

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.

Weather

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.

Road Conditions

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.

Traffic Congestion

Chesapeake is part of the Hampton Roads area. The TomTom traffic index ranks the Hampton Roads 31st for worst traffic congestion.

Moving Violations

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.

Traffic Tickets

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.

Photo Enforcement

Chesapeake has started using photo enforcement to curb red light running. The penalty for red light running doesn’t exceed $50.

DUI and DWAI Arrests

A DUI can affect your insurance rates badly. Our study shows that insurance rates jump by $830 per year after a DUI.

SR-22 DUI/DWAI Insurance

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.

Car Accident Statistics

Drivers pay more for insurance in areas with high accident rates. In 2017, Chesapeake police reported 2,377 crashes

Traffic Fatalities

Chesapeake reported 19 crash fatalities in 2017. That is a fatality rate of .11 per 1,000 Chesapeake drivers.

Vehicle Theft Rates

Drivers in areas with high car theft pay more for car insurance. Chesapeake recently reported 320 annual car thefts.

Save With Car Insurance Discounts

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:

  1. If you live in a safe neighborhood in Chesapeake, you could save money 
  2. Drop your comprehensive coverage
  3. Do you drive less than 10,000 miles a year? Look into a low mileage discount.
  4. Residents 55 or over should see about a senior citizens discount
  5. Have more than one car? Look into a multiple car discount
  6. Take a certified defensive driving course 
  7. If you’re a safe driver with a clean record, that can add up to lower rates
  8. Make sure your car as up-to-date safety features and anti-theft devices
  9. Bundle your car insurance with your home or renters insurance. You can cut up to 15 percent off your total bill 
  10. Shop around and compare car insurance rates in Chesapeake.

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