Cheapest Car Insurance in Hampton, VA (2026)

Hampton drivers pay an average of $720 per year for minimum coverage and $1,272 per year for full coverage. Comparison shopping gives you confidence that you're getting the lowest rates.

• Cheapest minimum liability coverage: Farm Bureau has Hampton's cheapest minimum coverage at $429 per year ($36 monthly). That's 40% lower than the city average of $720, saving you $291 annually. Travelers ranks second for minimum coverage at $439 per year ($37 monthly), a 39% savings compared to the city average.
• Cheapest full coverage: Farm Bureau offers the lowest full coverage at $798 per year ($67 monthly), 37% below the city average of $1,272. That's $474 in annual savings. Travelers' full coverage costs $840 per year ($70 monthly), still 34% below the city average but $42 more than Farm Bureau per year.

Young drivers in Hampton have the highest car insurance costs, while adults and seniors enjoy more affordable options. Here are the most budget-friendly insurance companies in Hampton by age group:

• Adults: Farm Bureau at $36 and Travelers at $37 monthly
• Seniors: Travelers at $52 and Farm Bureau at $63 monthly
• Young drivers: Farm Bureau at $75 and Travelers at $84 monthly

Young drivers under 25 can take advantage of Farm Bureau's Young Driver Safety Program, which offers savings for completing driver education courses. Senior drivers aged 50 and over benefit from Travelers' Mature Driver Improvement Course.

You can find cheaper coverage in Hampton with the insurers that have the lowest rate penalty for your violation. Here are your cheapest car insurance options in Hampton by violation type:

• Accident: Travelers at $49 and Farm Bureau at $50 monthly
• Ticket: Travelers at $45 and Auto-Owners at $49 monthly
• DUI: Farm Bureau at $44 and Travelers at $54 monthly

Minor violations in Virginia stay on your record for three years before rates decrease.

Hampton neighborhoods show different car insurance costs depending on your ZIP code. Drivers in 23661 pay the highest rates at $119 monthly for full coverage, while those in 23651 enjoy the most affordable premiums at $101 monthly.

Both Travelers and Auto-Owners earned impressive scores of 94 out of 100 on MoneyGeek's rating scale, making them the top car insurance providers in Hampton.  

Our evaluation used agent network ratings, complaint data from the National Association of Insurance Commissioners (NAIC), J.D. Power studies and multi-platform customer reviews to assess how well insurers handle claims and support policyholders.

Auto-Owners dominates customer experience with perfect ratings, though Travelers offers better value with lower premiums.

See below for why each insurer excels and which fits your needs.

Hampton drivers have some of Virginia's highest car insurance premiums. Shop around, reduce your costs and select the right coverage:

Our insurance experts provide answers to common questions about finding affordable coverage in Hampton:

We analyzed hundreds of thousands of quotes from major insurers using data from the Virginia Bureau of Insurance and Quadrant Information Services. Our research covered all Hampton ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation.

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Virginia's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing hurricane damage claims or handling hit-and-run accidents.

Coverage options (10%): More choices mean better odds of matching coverage to Hampton risks like flood damage, uninsured motorists and theft in high-risk areas.