Car Insurance in Hampton

Farm Bureau leads Hampton's insurance market with the lowest rates for most driver types. Adult drivers with clean records pay $429 annually, while young drivers pay $898 through Farm Bureau.

That's roughly 109% more based on age and experience. Senior drivers get excellent rates through Travelers at $618 yearly, sitting between adult and young driver pricing.

Drivers with accidents find affordable coverage through Farm Bureau at $606. Those with DUIs pay $535 through Farm Bureau, surprisingly competitive given the violation's severity. Farm Bureau's dominance across categories makes it the first stop for Hampton drivers comparison shopping.

Farm Bureau provides the most competitive minimum coverage in Hampton at $429 per year, which is 41% lower than the city average of $722. For full coverage, Farm Bureau charges $798 annually, maintaining its competitive edge.

Travelers offers close competition at $439 for minimum coverage and $840 for full coverage. Auto-Owners delivers another solid option for drivers seeking personalized agent service alongside competitive rates.

Hampton's concentrated market around these three insurers means shopping all three typically secures the best available rate regardless of your driver profile or coverage needs.

Young drivers in Hampton pay significantly more than other age groups, with Farm Bureau charging $898 annually compared to just $429 for adults with Travelers. That's a 109% premium increase driven by inexperience and statistically higher accident rates.

Seniors enjoy more moderate pricing at $618 with Travelers, roughly 44% above adult rates. Farm Bureau dominates the young driver market, while Travelers excels for adults and seniors.

The age based pricing gap in Hampton falls near national averages, making it neither particularly harsh nor especially lenient for younger drivers seeking coverage.

Drivers with clean records in Hampton get the best deal through Farm Bureau at $429 per year. A speeding ticket increases costs to $548 with Travelers, a 28% jump.

An at-fault accident raises your premium to $596 with Travelers, while Farm Bureau charges $535 for DUI violations. That's the lowest rate available for this serious offense.

DUI drivers pay about 25% more than clean record drivers, a relatively modest penalty compared to many markets. However, maintaining a violation free record still delivers substantial savings and helps you access Hampton's most competitive insurance options year after year.

Travelers takes the top spot in Hampton with a MoneyGeek score of 94.89, combining affordability with excellent claims service and financial stability. Auto-Owners scores 94.52, offering strong local agent support and competitive pricing for specific driver profiles.

Both insurers maintain low complaint ratios with the Virginia Bureau of Insurance and provide comprehensive coverage options. Travelers tends to excel for drivers seeking digital convenience and competitive rates across all demographics.

Auto-Owners appeals to those preferring personalized local agent relationships. Either choice delivers reliable protection and fair pricing.

Hampton drivers can expect to pay an average of $722 per year for minimum coverage and $1,270 for full coverage. These rates sit near Virginia's state averages, making Hampton typical for the commonwealth's insurance market.

Farm Bureau undercuts the city average at $429 for minimum coverage, showing how insurer selection dramatically affects your annual costs. Virginia's mandatory uninsured motorist coverage and higher liability requirements contribute to baseline premiums.

Hampton residents who comparison shop and maintain clean records can access rates well below city norms. Bundling home and auto insurance often unlocks additional savings.

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.

Finding affordable car insurance in Hampton requires navigating high rates and complex coverage options. Here's how to cut costs and get the right coverage for your needs.

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.

Find straightforward answers about affordable car insurance in Hampton. Our FAQ section helps you choose the right coverage while keeping costs down.

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, for specific driver profiles.

Coverage Levels in Hampton

MoneyGeek compared 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): We evaluated quotes for multiple 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.
• Coverage options (10% of score): This weighs the number of coverage options a provider offers and the uniqueness of the offering and benefits.