Farm Bureau offers Hampton's lowest car insurance rates, with annual premiums of $429 for minimum coverage and $798 for full coverage. Travelers, Auto-Owners and Mercury also provide affordable coverage options in the city.
Car Insurance in Hampton
Updated: August 1, 2025
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Key Takeaways
Hampton's cheapest car insurance companies are Farm Bureau, Travelers and Auto-Owners, with savings up to 41% compared to the city average.
Monthly car insurance costs in Hampton average $106 for full coverage and $60 for minimum coverage.
To get the best cheap auto insurance in Hampton, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Hampton?
| Farm Bureau | $36 | $67 | -41% |
| Travelers | $37 | $70 | -38% |
| Auto-Owners | $45 | $78 | -29% |
| Mercury | $56 | $94 | -13% |
| GEICO | $54 | $98 | -12% |
Cheapest Hampton Car Insurance by Category
Farm Bureau offers the cheapest rates in four driver categories in Hampton. Auto-Owners leads for old cars and speeding tickets, while Travelers wins for newer cars and seniors, and Penn National ranks best for bad credit.
| Young Drivers | Farm Bureau | $75 |
| Adult Drivers | Farm Bureau | $36 |
| Senior Drivers | Travelers | $52 |
| Drivers With an Accident | Farm Bureau | $50 |
| Drivers With a DUI | Farm Bureau | $45 |
| Drivers With a Speeding Ticket | Auto-Owners | $49 |
| Drivers With Bad Credit | Penn National | $93 |
| Drivers With Newer Cars | Travelers | $37 |
| Drivers With Old Cars | Auto-Owners | $30 |
Compare the Cheapest Hampton Car Insurance for You
Your driving history and personal details shape what you'll pay for car insurance. Check the table below to find insurers offering the best rates for your specific driver profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| Farm Bureau | $36 | $429 | -43% |
| Travelers | $37 | $439 | -42% |
| Auto Owners | $45 | $535 | -29% |
| Erie Insurance | $52 | $620 | -18% |
| Penn National Insurance | $53 | $634 | -16% |
Best Car Insurance Companies in Hampton
In Hampton, the leading car insurance companies are Travelers, Auto-Owners, Erie Insurance and Farm Bureau. These providers stand out for offering competitive rates, quality customer service and comprehensive coverage options.
| Travelers | 95 | 2 | 3 | 5 |
| Auto-Owners | 95 | 3 | 1 | 7 |
| Erie Insurance | 91 | 6 | 2 | 3 |
| Farm Bureau | 89 | 1 | 5 | 9 |
| Mercury | 85 | 4 | 7 | 6 |
Travelers: Best Overall Value
pros
Strong customer service ratings
Excellent senior driver rates
Multiple coverage customization options
cons
Limited coverage add-ons
Higher rates for some driver types
COMPANY HIGHLIGHTS
Travelers ranks as Hampton's top car insurance provider thanks to its blend of affordability and service quality. The company offers rates well below the Hampton average for most drivers. Its high customer satisfaction ratings mean faster claims processing and better support when you need it. Travelers works especially well for seniors and those with newer vehicles.
Auto-Owners: Best Customer Service
pros
Top-rated customer support
Fast claims processing
Good multi-policy discounts
cons
Limited online tools
Fewer coverage options
COMPANY HIGHLIGHTS
Auto-Owners stands out for exceptional customer service, earning the highest satisfaction rating in Hampton. The company excels at handling claims and providing personalized support through local agents. While its digital tools are basic, Auto-Owners offers competitive rates for drivers with older cars and those with speeding tickets. Its strong local presence means more personal attention when you need help.
How Much Is Car Insurance in Hampton?
In Hampton, minimum coverage costs about $60 per month or $722 per year, ranking 845th out of all Virginia cities for affordability. Full coverage averages $106 monthly or $1,270 annually, ranking 519th among Virginia cities.
| Full Coverage | $106 | $1,270 |
| Minimum Coverage | $60 | $722 |
Hampton Car Insurance Cost by Category
In Hampton, monthly car insurance costs range from $56 to $303 depending on your driver profile. Check the table below for rates in your category.
| Young Drivers | $154 | $269 |
| Adult Drivers | $60 | $106 |
| Senior Drivers | $87 | $143 |
| Drivers With an Accident | $93 | $160 |
| Drivers With a DUI | $117 | $199 |
| Drivers With a Speeding Ticket | $76 | $134 |
| Drivers With Bad Credit | $139 | $303 |
| Drivers With Newer Cars | $77 | $132 |
| Drivers With Old Cars | $56 | $97 |
Hampton Car Insurance Costs by ZIP Code
In Hampton, car insurance rates by ZIP code range from $55 to $119 per month. ZIP code 23661 is the most expensive, while 23651 is the cheapest. Check the average rates for your ZIP code on the table below.
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ZIP Code:23651
| 23651 | $55 | $101 |
Compare Personalized Hampton Car Insurance Costs
While earlier tables show basic rate comparisons, this breakdown lets you filter Hampton car insurance rates by your specific age, driving record and other personal factors.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
Select
Coverage Level:State Minimum Liability Only
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Credit:Good
Select
Driving Record:Clean
| $64 | $770 | 16% |
How to Get the Best Cheap Hampton Car Insurance
Finding affordable car insurance in Hampton can be challenging with the area's high rates and complex coverage options. Our step-by-step guide shows you how to cut costs and get the right coverage for your needs.
- 1
Calculate your coverage needs
Start by determining how much coverage you actually need. Use our car insurance coverage needs calculator to evaluate your situation. Consider your car's value, your assets and your comfort level with risk.
- 2
Explore different coverage types
Look into various types of car insurance that might save you money. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? A non-owner policy might be right for you.
- 3
Know the average costs
Research average vehicle insurance costs in Hampton to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying for coverage.
- 4
Check available discounts
Look into every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts if you have multiple vehicles.
- 5
Research company reliability
Check customer reviews and financial strength ratings for insurance companies serving Hampton. Focus on companies with strong claims-handling reputations and good customer service ratings in Virginia.
- 6
Get quotes from multiple insurers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools and direct contact with insurers to ensure you're getting the best possible rates.
- 7
Review your policy annually
Mark your calendar to review your coverage each year. Life changes, driving habits and insurance company rates all shift over time. Regular reviews ensure you maintain the best rates for your situation.
Cheapest Car Insurance in Hampton: Bottom Line
Car insurance rates in Hampton depend on your driving record, vehicle and credit score. Farm Bureau and Travelers offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Cheap Hampton Car Insurance: FAQ
Find straightforward answers about affordable car insurance in Hampton. Our FAQ section helps you choose the right coverage while keeping costs down.
What is the cheapest car insurance company in Hampton, Virginia?
Farm Bureau offers the lowest rates in Hampton, with annual premiums of $429 for minimum coverage and $798 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Hampton?
Travelers leads Hampton's car insurance providers with a MoneyGeek score of 95 out of 100, scoring just above Auto-Owners by 0.4 points. Travelers delivers excellent customer service and competitive rates.
What is the average cost of car insurance in Hampton?
In Hampton, Virginia, drivers pay $1,270 per year for full coverage and $722 for minimum coverage. Actual rates vary based on individual factors like driving history and coverage choices.
Is car insurance in Hampton expensive?
Car insurance in Hampton costs more than average, ranking 845th for minimum coverage affordability and 519th for full coverage compared to other Virginia cities.
How We Chose the Best and Cheapest Car Insurance in Hampton, VA
To help Hampton drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Virginia Bureau of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Virginia to tailor options as closely as possible to you.
Hampton Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Hampton
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Virginia are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.