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Average Cost of Car Insurance in Chesapeake

Chesapeake$762
Virginia$790
US$1,424

In Chesapeake, the average car insurance rate is $762 per year, which is lower than both the state and national averages. Drivers living in Chesapeake pay 3.6% less than the usual annual cost of auto coverage in Virginia, and 46.5% less than the $1,424 average annual premium in the United States.

The Best Cheap Car Insurance Companies in Chesapeake

As of this writing, the latest data reveal that Progressive offers the most affordable annual car insurance premiums in Chesapeake. As a matter of fact, for most drivers, auto coverage with Progressive is half as expensive as similar coverage with MetLife, the most costly auto insurance provider in the city.

Company
Amountper year
1. Progressive
In 2020, Progressive ranked #1 in Chesapeake for the cheapest car insurance for the average driver.
$503
2. GEICO
In 2020, GEICO ranked #2 in Chesapeake for the cheapest car insurance for the average driver.
$609
3. USAA
In 2020, USAA ranked #3 in Chesapeake for the cheapest car insurance for the average driver.
$632
4. Nationwide
In 2020, Nationwide ranked #4 in Chesapeake for the cheapest car insurance for the average driver.
$651
5. Erie
In 2020, Erie ranked #5 in Chesapeake for the cheapest car insurance for the average driver.
$668
6. State Farm
In 2020, State Farm ranked #6 in Chesapeake for the cheapest car insurance for the average driver.
$702
7. Travelers
In 2020, Travelers ranked #7 in Chesapeake for the cheapest car insurance for the average driver.
$819
8. Mercury
In 2020, Mercury ranked #8 in Chesapeake for the cheapest car insurance for the average driver.
$847
9. Allstate
In 2020, Allstate ranked #9 in Chesapeake for the cheapest car insurance for the average driver.
$891
10. MetLife
In 2020, MetLife ranked #10 in Chesapeake for the cheapest car insurance for the average driver.
$1,168

Personalized Quotes to Get You the Cheapest Car Insurance in Chesapeake

Car insurance companies in Chesapeake give you personalized auto insurance quotes according to your personal risks as a driver. In addition to your location, your age, driving record, coverage level and make and model of your vehicle are considered.

For instance, in Chesapeake, a 70-year old male driver will pay $691 annually for his State Farm policy, which is nearly three times less expensive than similar coverage with the same company for an 18-year-old driver.

Since your premiums are affected by your personal circumstances, it’s best that you frequently obtain personalized quotes from at least three auto insurance providers in the city to check if you qualify for discounts or promotions.

Auto Insurance Rates

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Cheapest Car Insurance in Chesapeake by Coverage Amount

How much car insurance coverage you purchase in Chesapeake also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

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Virginia Minimum Liability Requirements

ItemDescription
Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $20,000 for property damage. A more protective level is 100/300/100.
Uninsured Motorist$25,000 per person, $50,000 per incident and $20,000 for property damage. The minimum coverage may not be enough if you're in a serious accident.

Car insurance companies in Chesapeake provide specified limits for each level of coverage. For example, Progressive offers both 50/100/50 liability-only plans and 50/100/50 full-coverage plans, with a minimal premium difference of $96 between the two levels of coverage.

Getting the 50/100/50 liability-only plan means the maximum amount your auto coverage will pay for an injury to one individual is $50,000, up to $100,000 for each vehicle, with maximum coverage of $50,000 for property damage repair, but this coverage is limited to the other driver’s expenses.

Since the premium differences may vary depending on the auto insurance provider and on your personal needs, you should obtain personalized quotes to find out exactly how much you need to pay for your chosen level of coverage.

Average Car Insurance Premiums by Coverage Type

Liability Only
CompanyState Minimumper year50 / 100 / 50per year
1. Progressive$333$357
2. GEICO$318$356
3. USAA$317$362
4. Erie$348$386
5. Nationwide$398$413
6. State Farm$370$430
7. Mercury$417$484
8. Travelers$453$504
9. Allstate$456$509
10. MetLife$674$757
Full Coverage
Company50 / 100 / 50per year100 / 300 / 100per year
1. Progressive$453$503
2. GEICO$569$609
3. USAA$591$632
4. Erie$617$668
5. Nationwide$648$651
6. State Farm$628$702
7. Mercury$780$847
8. Travelers$764$819
9. Allstate$841$891
10. MetLife$1,192$1,168
Auto Insurance Rates

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Cheapest Car Insurance in Chesapeake If You Have Tickets

More affordable car insurance rates in Chesapeake are accessible to you if you have a clean driving record because insurance providers evaluate your risks as a driver and adjust the premiums they offer based on their evaluation. To illustrate, drivers with a clean driving record will pay $138 less for their Nationwide auto coverage than drivers with a speeding ticket on their record.

Additionally, having a DUI on your record may spike your insurance premiums, as GEICO coverage for a driver with a clean record costs $609 annually, while drivers with a DUI will pay $914 more for similar coverage.

CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
1. Progressive$668$864$704
2. State Farm$768$833$768
3. Erie$697$877$1,053
4. Nationwide$789$913$1,064
5. USAA$764$923$1,151
6. GEICO$609$902$1,523
7. Travelers$1,141$1,199$1,322
8. Mercury$1,225$1,454$1,136
9. Allstate$1,156$1,481$1,298
10. MetLife$1,427$1,736$3,341

Average Cost of Car Insurance by Postal Code

Several factors such as cost of living and the number of car-related incidents in your specific residential neighborhood can also have a very slight effect on your car insurance rates in Chesapeake, Virginia. In this city, policyholders who reside in ZIP code 23320 pay about $16 less for auto coverage than policyholders living in ZIP code 23323.

Zip CodeState Minimumper year
23320$752
23322$767
23323$768

Factors That Impact Insurance Costs in Chesapeake

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Chesapeake. How Chesapeake ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities132nd/300
handcuffs2 icon
Most Car Thefts65th/300
uninsured icon
Most Uninsured Motorists by State34th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall56th/300
umbrella icon
Most Rainy Days78th/300

Shopping around for car insurance in Chesapeake could save you $259, which is enough to buy:


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86Cups of Coffee
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Methodology and Assumptions

MoneyGeek’s average premium rates for Chesapeake are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on overage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.