Compare Rates and Save on Auto Insurance

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In Hampton, American Family is the cheapest for full coverage, minimum coverage and military members. Auto-Owners Insurance Co is the cheapest after a ticket and at-fault accident, and State Farm is the most affordable after a DUI. For teens, Nationwide offers the best rates.

Cincinnati Insurance is the city’s best insurer as well as the best for customer service. Based on your driving profile and needs, a different insurer may be your best option.

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2023

Cheapest and Best Car Insurance in Hampton

Cheapest Minimum Liability Car Insurance in Hampton

Hampton's cheapest minimum coverage insurance is from these companies:

  • American Family: $275 per year
  • Mercury: $279 per year

Kemper's minimum coverage costs around $1,399, making it the most expensive option. As of October 2022, American Family also offers Virginia's cheapest car insurance coverage at $243 per year, less than Hampton's average. This demonstrates that insurance rates are affected by location.

Company
Annual Premium
Monthly Premium

American Family

$275

$23

Mercury

$279

$23

Mercury

$294

$25

Virginia Farm Bureau

$340

$28

American Family

$341

$28

Virginia Farm Bureau

$345

$29

State Farm

$354

$29

Auto-Owners Insurance Co

$370

$31

State Farm

$374

$31

Cincinnati Insurance

$386

$32

American Family

$396

$33

Mercury

$401

$33

Cincinnati Insurance

$411

$34

Auto-Owners Insurance Co

$416

$35

Nationwide

$417

$35

Erie

$417

$35

Erie

$420

$35

Virginia Farm Bureau

$422

$35

Travelers

$425

$35

Nationwide

$429

$36

Travelers

$448

$37

State Farm

$449

$37

Auto-Owners Insurance Co

$464

$39

Travelers

$473

$39

Nationwide

$527

$44

Erie

$532

$44

Allstate

$539

$45

Allstate

$561

$47

GEICO

$588

$49

American Family

$592

$49

Allstate

$608

$51

GEICO

$624

$52

GEICO

$667

$56

Progressive

$691

$58

Nationwide

$692

$58

Progressive

$703

$59

Auto-Owners Insurance Co

$706

$59

American Family

$711

$59

Nationwide

$734

$61

Virginia Farm Bureau

$746

$62

State Farm

$748

$62

Auto-Owners Insurance Co

$748

$62

Cincinnati Insurance

$768

$64

National General

$772

$64

National General

$773

$64

Mercury

$780

$65

Erie

$786

$66

Erie

$792

$66

State Farm

$807

$67

Mercury

$809

$67

Progressive

$810

$68

Virginia Farm Bureau

$815

$68

Virginia Farm Bureau

$827

$69

American Family

$830

$69

Cincinnati Insurance

$849

$71

Travelers

$853

$71

Travelers

$854

$71

Nationwide

$872

$73

Cincinnati Insurance

$942

$78

Auto-Owners Insurance Co

$954

$79

National General

$985

$82

Travelers

$992

$83

State Farm

$1,000

$83

Erie

$1,007

$84

Allstate

$1,048

$87

Progressive

$1,067

$89

Progressive

$1,078

$90

Allstate

$1,102

$92

Allstate

$1,110

$92

Mercury

$1,131

$94

GEICO

$1,170

$98

GEICO

$1,172

$98

Progressive

$1,300

$108

GEICO

$1,351

$113

Kemper

$1,399

$117

Kemper

$1,459

$122

National General

$1,570

$131

Kemper

$1,578

$131

National General

$1,677

$140

Cincinnati Insurance

$1,735

$145

National General

$2,034

$170

Kemper

$2,402

$200

Kemper

$2,459

$205

Kemper

$2,775

$231

The minimum liability coverage limitations vary by state. The minimum requirements for drivers in Virginia are as follows:

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

A liability-only insurance policy will only cover injuries and property damage to third parties. If you have the standard minimum insurance in Virginia, your insurer will pay up to $25,000 for your injuries caused by an underinsured or uninsured motorist, up to a maximum of $50,000 per accident. Excess costs are your responsibility.

Cheapest Full Coverage Car Insurance in Hampton

The following insurance companies offer the most affordable full coverage auto insurance to drivers in Hampton:

  • American Family: $592 per year
  • Auto-Owners Insurance Co: $706 per year

Kemper is the most expensive full coverage insurer, with an annual premium of around $2,402. As of October 2022, American Family Insurance has the cheapest rates for full coverage insurance in Virginia, averaging $601 per year. This rate is somewhat more than the average rate for drivers in Hampton, demonstrating that rates may vary greatly depending on where you live.

Company
Annual Premium
Monthly Premium

American Family

$275

$23

Mercury

$279

$23

Mercury

$294

$25

Virginia Farm Bureau

$340

$28

American Family

$341

$28

Virginia Farm Bureau

$345

$29

State Farm

$354

$29

Auto-Owners Insurance Co

$370

$31

State Farm

$374

$31

Cincinnati Insurance

$386

$32

American Family

$396

$33

Mercury

$401

$33

Cincinnati Insurance

$411

$34

Auto-Owners Insurance Co

$416

$35

Nationwide

$417

$35

Erie

$417

$35

Erie

$420

$35

Virginia Farm Bureau

$422

$35

Travelers

$425

$35

Nationwide

$429

$36

Travelers

$448

$37

State Farm

$449

$37

Auto-Owners Insurance Co

$464

$39

Travelers

$473

$39

Nationwide

$527

$44

Erie

$532

$44

Allstate

$539

$45

Allstate

$561

$47

GEICO

$588

$49

American Family

$592

$49

Allstate

$608

$51

GEICO

$624

$52

GEICO

$667

$56

Progressive

$691

$58

Nationwide

$692

$58

Progressive

$703

$59

Auto-Owners Insurance Co

$706

$59

American Family

$711

$59

Nationwide

$734

$61

Virginia Farm Bureau

$746

$62

State Farm

$748

$62

Auto-Owners Insurance Co

$748

$62

Cincinnati Insurance

$768

$64

National General

$772

$64

National General

$773

$64

Mercury

$780

$65

Erie

$786

$66

Erie

$792

$66

State Farm

$807

$67

Mercury

$809

$67

Progressive

$810

$68

Virginia Farm Bureau

$815

$68

Virginia Farm Bureau

$827

$69

American Family

$830

$69

Cincinnati Insurance

$849

$71

Travelers

$853

$71

Travelers

$854

$71

Nationwide

$872

$73

Cincinnati Insurance

$942

$78

Auto-Owners Insurance Co

$954

$79

National General

$985

$82

Travelers

$992

$83

State Farm

$1,000

$83

Erie

$1,007

$84

Allstate

$1,048

$87

Progressive

$1,067

$89

Progressive

$1,078

$90

Allstate

$1,102

$92

Allstate

$1,110

$92

Mercury

$1,131

$94

GEICO

$1,170

$98

GEICO

$1,172

$98

Progressive

$1,300

$108

GEICO

$1,351

$113

Kemper

$1,399

$117

Kemper

$1,459

$122

National General

$1,570

$131

Kemper

$1,578

$131

National General

$1,677

$140

Cincinnati Insurance

$1,735

$145

National General

$2,034

$170

Kemper

$2,402

$200

Kemper

$2,459

$205

Kemper

$2,775

$231

In addition to higher liability limits, full coverage insurance also contains collision and comprehensive insurance.

  • Collision Insurance: Covers damage to your car caused by a collision with an item or another vehicle.
  • Comprehensive Insurance: Covers damage to your car caused by incidents other than crashes.

The best way to protect your brand-new vehicle is with full coverage insurance. For older automobiles, the hundreds of dollars in added yearly rates may not be worthwhile.

Cheapest Car Insurance in Hampton After a Driving Offense

Furthermore, our study found the most affordable full coverage insurance carriers in Hampton for drivers who have committed the following traffic violations:

  • Speeding ticket: Auto-Owners Insurance Co ($783 per year)
  • At-fault accident: Auto-Owners Insurance Co ($706 per year)
  • DUI: State Farm ($887 per year)

On average, the highest average premiums are from National General for speeding drivers at $3,197 per year, from Kemper for drivers after an at-fault accident costing $3,593 per year and from Cincinnati Insurance for DUI drivers at $2,902 per year. Even the cheapest insurance provider will raise your rates after a traffic violation.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$370

$31

American Family

$382

$32

American Family

$391

$33

State Farm

$396

$33

State Farm

$396

$33

Auto-Owners Insurance Co

$410

$34

Auto-Owners Insurance Co

$416

$35

Mercury

$417

$35

State Farm

$418

$35

State Farm

$418

$35

Virginia Farm Bureau

$426

$35

Virginia Farm Bureau

$433

$36

Mercury

$433

$36

State Farm

$433

$36

Mercury

$441

$37

Cincinnati Insurance

$447

$37

State Farm

$457

$38

Mercury

$459

$38

Auto-Owners Insurance Co

$460

$38

Auto-Owners Insurance Co

$464

$39

Cincinnati Insurance

$470

$39

Erie

$481

$40

Virginia Farm Bureau

$483

$40

Erie

$487

$41

Virginia Farm Bureau

$491

$41

American Family

$495

$41

State Farm

$504

$42

State Farm

$504

$42

American Family

$507

$42

Virginia Farm Bureau

$509

$42

Virginia Farm Bureau

$519

$43

Auto-Owners Insurance Co

$520

$43

Nationwide

$520

$43

Cincinnati Insurance

$523

$44

Virginia Farm Bureau

$528

$44

Nationwide

$535

$45

American Family

$545

$45

Cincinnati Insurance

$547

$46

State Farm

$551

$46

Travelers

$551

$46

American Family

$560

$47

Travelers

$576

$48

American Family

$580

$48

Travelers

$582

$49

Mercury

$604

$50

Virginia Farm Bureau

$604

$50

Travelers

$611

$51

Nationwide

$613

$51

Erie

$618

$52

Erie

$618

$52

Travelers

$621

$52

Mercury

$622

$52

Erie

$623

$52

Mercury

$628

$52

Nationwide

$630

$53

Virginia Farm Bureau

$638

$53

Auto-Owners Insurance Co

$639

$53

Nationwide

$642

$54

Mercury

$659

$55

Travelers

$660

$55

Travelers

$666

$56

GEICO

$685

$57

Travelers

$696

$58

Auto-Owners Insurance Co

$706

$59

Allstate

$707

$59

American Family

$714

$60

Auto-Owners Insurance Co

$715

$60

GEICO

$729

$61

Nationwide

$730

$61

Allstate

$737

$61

Nationwide

$747

$62

Auto-Owners Insurance Co

$748

$62

Travelers

$751

$63

Erie

$755

$63

GEICO

$759

$63

Nationwide

$760

$63

Erie

$760

$63

Auto-Owners Insurance Co

$783

$65

Erie

$795

$66

Allstate

$799

$67

Allstate

$803

$67

State Farm

$824

$69

State Farm

$824

$69

American Family

$828

$69

Auto-Owners Insurance Co

$830

$69

Auto-Owners Insurance Co

$833

$69

Allstate

$834

$69

American Family

$838

$70

Nationwide

$856

$71

American Family

$862

$72

GEICO

$871

$73

Nationwide

$876

$73

State Farm

$887

$74

State Farm

$887

$74

State Farm

$889

$74

Cincinnati Insurance

$892

$74

Erie

$899

$75

Nationwide

$902

$75

Mercury

$906

$75

Allstate

$907

$76

Erie

$908

$76

Progressive

$910

$76

GEICO

$934

$78

Progressive

$936

$78

GEICO

$950

$79

Auto-Owners Insurance Co

$954

$79

State Farm

$957

$80

Allstate

$958

$80

Virginia Farm Bureau

$968

$81

Erie

$972

$81

Cincinnati Insurance

$989

$82

Progressive

$989

$82

Nationwide

$996

$83

Allstate

$1,000

$83

Virginia Farm Bureau

$1,008

$84

Progressive

$1,026

$86

National General

$1,039

$87

Progressive

$1,047

$87

Nationwide

$1,050

$88

American Family

$1,050

$88

Cincinnati Insurance

$1,053

$88

American Family

$1,053

$88

Nationwide

$1,056

$88

Progressive

$1,063

$89

Virginia Farm Bureau

$1,067

$89

Auto-Owners Insurance Co

$1,067

$89

Virginia Farm Bureau

$1,070

$89

Virginia Farm Bureau

$1,072

$89

Progressive

$1,075

$90

Allstate

$1,095

$91

Cincinnati Insurance

$1,096

$91

State Farm

$1,104

$92

State Farm

$1,104

$92

Mercury

$1,126

$94

Cincinnati Insurance

$1,131

$94

Erie

$1,139

$95

American Family

$1,143

$95

Erie

$1,150

$96

Erie

$1,156

$96

Mercury

$1,157

$96

Virginia Farm Bureau

$1,161

$97

Cincinnati Insurance

$1,164

$97

National General

$1,175

$98

Nationwide

$1,180

$98

Virginia Farm Bureau

$1,182

$98

Mercury

$1,187

$99

Progressive

$1,188

$99

Travelers

$1,189

$99

State Farm

$1,195

$100

Cincinnati Insurance

$1,202

$100

Progressive

$1,216

$101

Auto-Owners Insurance Co

$1,218

$101

Mercury

$1,221

$102

American Family

$1,231

$103

Nationwide

$1,234

$103

Nationwide

$1,235

$103

American Family

$1,237

$103

Travelers

$1,243

$104

Travelers

$1,260

$105

Virginia Farm Bureau

$1,270

$106

Cincinnati Insurance

$1,289

$107

National General

$1,290

$108

Travelers

$1,294

$108

Auto-Owners Insurance Co

$1,299

$108

Virginia Farm Bureau

$1,304

$109

Travelers

$1,324

$110

GEICO

$1,337

$111

Travelers

$1,356

$113

Allstate

$1,363

$114

Travelers

$1,367

$114

Erie

$1,382

$115

Erie

$1,388

$116

GEICO

$1,401

$117

GEICO

$1,414

$118

Nationwide

$1,419

$118

GEICO

$1,424

$119

Allstate

$1,435

$120

Travelers

$1,451

$121

Allstate

$1,452

$121

Progressive

$1,455

$121

Progressive

$1,461

$122

Kemper

$1,465

$122

Erie

$1,466

$122

Travelers

$1,489

$124

American Family

$1,508

$126

Kemper

$1,530

$128

Allstate

$1,531

$128

Progressive

$1,544

$129

Progressive

$1,560

$130

GEICO

$1,564

$130

GEICO

$1,567

$131

National General

$1,607

$134

National General

$1,607

$134

Allstate

$1,614

$134

Mercury

$1,628

$136

Allstate

$1,633

$136

Kemper

$1,654

$138

Mercury

$1,676

$140

Auto-Owners Insurance Co

$1,703

$142

Progressive

$1,704

$142

Progressive

$1,710

$142

Mercury

$1,715

$143

Mercury

$1,716

$143

Progressive

$1,729

$144

Erie

$1,778

$148

American Family

$1,783

$149

GEICO

$1,784

$149

Kemper

$1,798

$150

Allstate

$1,822

$152

GEICO

$1,836

$153

Progressive

$1,859

$155

GEICO

$1,906

$159

Allstate

$1,918

$160

National General

$1,923

$160

National General

$1,923

$160

Kemper

$1,941

$162

Allstate

$1,957

$163

National General

$1,960

$163

National General

$1,960

$163

Progressive

$1,994

$166

Cincinnati Insurance

$2,030

$169

Kemper

$2,032

$169

Kemper

$2,062

$172

Kemper

$2,228

$186

National General

$2,242

$187

Kemper

$2,332

$194

Cincinnati Insurance

$2,355

$196

Cincinnati Insurance

$2,406

$200

Mercury

$2,422

$202

Kemper

$2,519

$210

Kemper

$2,578

$215

Cincinnati Insurance

$2,598

$217

National General

$2,701

$225

GEICO

$2,730

$228

GEICO

$2,777

$231

National General

$2,815

$235

Cincinnati Insurance

$2,902

$242

Kemper

$2,911

$243

GEICO

$2,946

$246

Kemper

$3,054

$255

National General

$3,197

$266

National General

$3,197

$266

Kemper

$3,209

$267

Kemper

$3,537

$295

Kemper

$3,593

$299

Kemper

$3,765

$314

National General

$3,886

$324

National General

$3,886

$324

National General

$3,973

$331

National General

$3,973

$331

Kemper

$4,171

$348

Cincinnati Insurance

$5,464

$455

Depending on the seriousness of the driving infraction, higher rates may be applied. In Hampton, drivers with a DUI convicted driver can expect to pay around $698 more for car insurance, while those with a history of speeding citations could pay up to $422 more. It is possible to obtain cheap auto insurance with a bad driving record.

Cheapest Car Insurance in Hampton for Teens and Their Families

The following insurance providers offer the cheapest insurance in Hampton for teenage drivers added to their parents' policies:

  • Nationwide: $1,127 yearly for female teens and $1,254 for male teens
  • State Farm: $1,787 yearly for female teens
  • Auto-Owners Insurance Co: $2,101 yearly for male teens

Kemper, the city’s most expensive insurer, charges male and female teenagers around $10,749 and $8,627 per year, respectively.

Male teenagers are viewed as high-risk by insurers, so their insurance premiums are typically higher than those of female teens. The $2.272 price difference with Nationwide highlights this, and the difference tapers off in adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Nationwide

$719

$1,307

Nationwide

$729

$1,393

Nationwide

$753

$1,737

Nationwide

$788

$1,940

Nationwide

$803

$1,460

Travelers

$808

$1,585

Nationwide

$816

$1,630

Nationwide

$842

$1,611

Nationwide

$847

$1,540

Nationwide

$852

$1,809

Travelers

$875

$1,655

Nationwide

$891

$1,703

Travelers

$915

$1,794

Travelers

$921

$1,986

Travelers

$947

$1,857

State Farm

$954

$1,534

Travelers

$1,011

$1,911

Nationwide

$1,029

$2,884

Travelers

$1,041

$2,170

Travelers

$1,045

$2,280

Auto-Owners Insurance Co

$1,046

$2,764

Auto-Owners Insurance Co

$1,049

$2,616

State Farm

$1,063

$1,709

Nationwide

$1,065

$3,373

Nationwide

$1,086

$2,507

Travelers

$1,089

$2,060

State Farm

$1,098

$1,727

Auto-Owners Insurance Co

$1,108

$2,927

State Farm

$1,114

$2,064

Allstate

$1,125

$1,950

Nationwide

$1,127

$3,708

Nationwide

$1,137

$3,528

Allstate

$1,141

$1,930

Auto-Owners Insurance Co

$1,142

$2,850

Nationwide

$1,147

$3,634

Auto-Owners Insurance Co

$1,155

$3,385

State Farm

$1,158

$1,862

Nationwide

$1,186

$4,084

State Farm

$1,186

$2,235

Auto-Owners Insurance Co

$1,186

$3,135

Nationwide

$1,191

$2,932

Auto-Owners Insurance Co

$1,213

$3,504

Travelers

$1,223

$2,543

Travelers

$1,224

$2,551

Travelers

$1,230

$2,971

Allstate

$1,233

$2,244

State Farm

$1,238

$1,948

Allstate

$1,253

$2,173

Nationwide

$1,254

$4,479

Auto-Owners Insurance Co

$1,257

$3,135

Allstate

$1,260

$2,184

Auto-Owners Insurance Co

$1,274

$4,001

Nationwide

$1,276

$4,393

State Farm

$1,310

$2,426

Allstate

$1,329

$2,368

Auto-Owners Insurance Co

$1,331

$3,629

State Farm

$1,360

$2,888

State Farm

$1,360

$2,562

State Farm

$1,363

$2,145

Allstate

$1,369

$2,498

Progressive

$1,385

$2,025

Travelers

$1,401

$3,708

Allstate

$1,426

$2,412

Allstate

$1,431

$2,421

Progressive

$1,441

$2,104

Auto-Owners Insurance Co

$1,449

$3,951

State Farm

$1,455

$2,693

Travelers

$1,457

$3,029

Auto-Owners Insurance Co

$1,461

$4,373

Travelers

$1,470

$3,596

Allstate

$1,471

$2,636

Auto-Owners Insurance Co

$1,494

$4,695

Auto-Owners Insurance Co

$1,506

$5,497

State Farm

$1,558

$3,304

Progressive

$1,655

$2,417

Auto-Owners Insurance Co

$1,671

$4,864

Progressive

$1,673

$2,447

Allstate

$1,684

$3,498

Progressive

$1,703

$2,785

State Farm

$1,705

$3,613

State Farm

$1,708

$3,160

Progressive

$1,714

$2,826

GEICO

$1,719

$3,355

Travelers

$1,733

$4,572

Travelers

$1,739

$4,602

GEICO

$1,750

$3,208

Allstate

$1,760

$3,136

GEICO

$1,769

$2,449

State Farm

$1,779

$3,773

State Farm

$1,787

$4,293

Progressive

$1,810

$2,643

Auto-Owners Insurance Co

$1,815

$5,655

GEICO

$1,816

$2,357

Travelers

$1,820

$6,137

GEICO

$1,820

$2,521

Auto-Owners Insurance Co

$1,830

$5,327

GEICO

$1,850

$2,400

Progressive

$1,867

$2,731

Allstate

$1,869

$3,902

Auto-Owners Insurance Co

$1,890

$6,423

Progressive

$1,910

$3,017

GEICO

$1,915

$2,652

GEICO

$1,916

$2,991

Allstate

$1,946

$3,939

Allstate

$1,959

$3,511

GEICO

$1,963

$2,878

GEICO

$1,966

$2,552

State Farm

$1,973

$4,130

Progressive

$2,061

$3,216

Auto-Owners Insurance Co

$2,091

$7,106

Auto-Owners Insurance Co

$2,101

$7,885

Progressive

$2,149

$3,395

Progressive

$2,154

$3,793

Allstate

$2,159

$4,413

GEICO

$2,173

$4,948

Travelers

$2,190

$5,779

State Farm

$2,255

$4,718

GEICO

$2,264

$4,418

GEICO

$2,264

$4,853

State Farm

$2,264

$5,370

Allstate

$2,288

$4,630

GEICO

$2,288

$6,424

Travelers

$2,306

$7,897

GEICO

$2,394

$6,220

GEICO

$2,395

$4,390

Progressive

$2,423

$4,281

Progressive

$2,464

$3,845

Allstate

$2,513

$6,693

Allstate

$2,538

$5,189

Progressive

$2,550

$8,817

GEICO

$2,656

$7,460

Kemper

$2,783

$3,394

GEICO

$2,787

$9,594

Allstate

$2,787

$7,491

Progressive

$2,831

$9,872

GEICO

$2,833

$7,361

Progressive

$2,937

$11,236

GEICO

$2,969

$9,561

Progressive

$3,012

$10,414

Progressive

$3,226

$12,386

Kemper

$3,271

$3,811

Kemper

$3,290

$4,384

Progressive

$3,294

$11,488

Kemper

$3,335

$4,066

Kemper

$3,445

$4,201

Kemper

$4,055

$4,723

Kemper

$4,069

$5,423

Kemper

$4,248

$4,876

Kemper

$4,295

$5,003

Kemper

$5,118

$5,875

Kemper

$5,199

$7,155

Kemper

$5,273

$6,034

Kemper

$6,048

$8,694

Kemper

$6,337

$7,252

Kemper

$6,446

$8,842

Kemper

$7,532

$10,769

Kemper

$7,700

$11,069

Kemper

$8,627

$17,438

Kemper

$9,585

$13,705

Kemper

$10,749

$21,633

Adding a young driver to a family policy is a sensible way to save money on auto insurance, as their individual premiums may be significantly higher. An individual male teenager in Hampton could spend an average of $2,272 more for his own policy vs. being on a family policy. Families can save thousands of dollars annually by shopping around for the best and most affordable rates when adding a teen driver to their policy.

Cheapest Car Insurance in Hampton for Military Drivers

Serving both active duty and veteran service personnel and their families, the following companies in Hampton provide the cheapest military auto insurance:

  • American Family: $592 per year
  • USAA: $662 per year

These costs are for full coverage insurance. American Family and Mercury are the least expensive carriers, if you only need the bare minimum of coverage. American Family charges roughly $275 annually for minimum coverage, whereas Mercury charges around $4 more.

Company
Annual Premium
Monthly Premium

American Family

$275

$23

Mercury

$279

$23

Mercury

$294

$25

USAA

$323

$27

USAA

$339

$28

Virginia Farm Bureau

$340

$28

American Family

$341

$28

Virginia Farm Bureau

$345

$29

State Farm

$354

$29

Auto-Owners Insurance Co

$370

$31

State Farm

$374

$31

Cincinnati Insurance

$386

$32

American Family

$396

$33

Mercury

$401

$33

USAA

$409

$34

Cincinnati Insurance

$411

$34

Auto-Owners Insurance Co

$416

$35

Nationwide

$417

$35

Erie

$417

$35

Erie

$420

$35

Virginia Farm Bureau

$422

$35

Travelers

$425

$35

Nationwide

$429

$36

Travelers

$448

$37

State Farm

$449

$37

Auto-Owners Insurance Co

$464

$39

Travelers

$473

$39

Nationwide

$527

$44

Erie

$532

$44

Allstate

$539

$45

Allstate

$561

$47

GEICO

$588

$49

American Family

$592

$49

Allstate

$608

$51

GEICO

$624

$52

USAA

$658

$55

USAA

$662

$55

GEICO

$667

$56

Progressive

$691

$58

Nationwide

$692

$58

Progressive

$703

$59

Auto-Owners Insurance Co

$706

$59

American Family

$711

$59

Nationwide

$734

$61

Virginia Farm Bureau

$746

$62

Auto-Owners Insurance Co

$748

$62

State Farm

$748

$62

Cincinnati Insurance

$768

$64

National General

$772

$64

National General

$773

$64

Mercury

$780

$65

Erie

$786

$66

Erie

$792

$66

State Farm

$807

$67

Mercury

$809

$67

Progressive

$810

$68

Virginia Farm Bureau

$815

$68

Virginia Farm Bureau

$827

$69

American Family

$830

$69

Cincinnati Insurance

$849

$71

USAA

$853

$71

Travelers

$853

$71

Travelers

$854

$71

Nationwide

$872

$73

Cincinnati Insurance

$942

$78

Auto-Owners Insurance Co

$954

$79

National General

$985

$82

Travelers

$992

$83

State Farm

$1,000

$83

Erie

$1,007

$84

Allstate

$1,048

$87

Progressive

$1,067

$89

Progressive

$1,078

$90

Allstate

$1,102

$92

Allstate

$1,110

$92

Mercury

$1,131

$94

GEICO

$1,170

$98

GEICO

$1,172

$98

Progressive

$1,300

$108

GEICO

$1,351

$113

Kemper

$1,399

$117

Kemper

$1,459

$122

National General

$1,570

$131

Kemper

$1,578

$131

National General

$1,677

$140

Cincinnati Insurance

$1,735

$145

National General

$2,034

$170

Kemper

$2,402

$200

Kemper

$2,459

$205

Kemper

$2,775

$231

How to Compare Cheap Hampton Car Insurance Quotes Online

Shopping around for auto insurance online might take some time. It is standard procedure to provide a plethora of personal information, and you can expect to spend up to 15 minutes obtaining insurance quotes from a single company.

MoneyGeek's auto insurance calculator can quickly estimate premiums that various carriers are likely to quote you using data like your age, car type, driving record and policy needs.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

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USAA

Best Car Insurance in Hampton: Summary

The best insurance relies on your preferences for cost, customer service and other factors. The top insurers in Hampton include:

  • Best overall: Cincinnati Insurance (MoneyGeek score of 82 out of 100)
  • Best for service: Cincinnati Insurance (MoneyGeek score of 74 out of 100)
  • Best cheap: Cincinnati Insurance (MoneyGeek score of 84 out of 100)

MoneyGeek scores differ according to the weight assigned to each category. Cincinnati Insurance offers the best auto insurance in Virginia. For veterans, USAA is the best in the city, with a score of 83 out of 100.

Best Overall Car Insurance in Hampton

MoneyGeek factored in service quality, claims management and other variables and found the following companies to be the best auto insurers in Hampton:

  • Cincinnati Insurance: MoneyGeek score of 82 out of 100 ($942 per year)
  • American Family: MoneyGeek score of 80 out of 100 ($592 per year)

Cincinnati Insurance scored well in satisfaction and affordability, showing it successfully balances these two key factors. USAA is the best for military members (active or retired). It received an 83 out of 100 on MoneyGeek's ranking methodology.

Cincinnati Insurance

pros

Excellent satisfaction score

Great affordability score

Offers glass deductible modification, general deductible waiver, new car replacement and airbag reinstallation coverage

cons

Does not offer accident forgiveness coverage and better car replacement

Low score for coverage options

COMPANY HIGHLIGHTS

Cincinnati Insurance was rated the best overall insurer in Hampton thanks to its good customer satisfaction and affordability. The company’s glass deductible modification coverage is a special add-on that waives your deductible for glass replacement following a covered loss. When your car is a total loss due to a covered collision or for non-collision, having the add-on general deductible waiver will prevent you from having to pay that deductible. If a policyholder's brand-new car is wrecked in a covered loss, they can also get it replaced with a similar make and model by using the new car replacement coverage.

With the company's airbag reinstallation add-on, the majority of policyholders can recover the expenses to repair an airbag that deploys inadvertently without an accident occurring and without having to pay a deductible.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

Best Car Insurance in Hampton for Customer Service

MoneyGeek does not take the cost of insurance into account when choosing the best vehicle insurance companies in Hampton (based on the highest customer satisfaction ratings). According to our research, the following two provide the best customer service:

  • Cincinnati Insurance: MoneyGeek score of 74 out of 100 ($942 per year)
  • Erie: MoneyGeek score of 70 out of 100 ($792 per year)

When compared to other providers we examined in Hampton, Cincinnati Insurance's customer service and coverage options ranked well. The company also ranked well in affordability, indicating that you don’t have to pay high rates for great service.

Cincinnati Insurance

pros

Excellent customer satisfaction score

Good coverage score

Affordable rates

Offers child safety seat replacement, glass deductible modification, lock replacement and classic car insurance

cons

No accident forgiveness and better car replacement

Low score for claims management

COMPANY HIGHLIGHTS

Cincinnati Insurance offers excellent service at an affordable rate, making it the best option for those prioritizing quality insurance. Collector car insurance is an optional extra the company offers to classic car or vintage vehicle owners. In the case of a total loss that is covered by your insurance, Cincinnati will pay you an agreed-upon amount.

Parents of young children can utilize the insurer's child safety replacement coverage for replacing the child safety seat if it is damaged in a covered loss without incurring depreciation costs. The uncommon lock replacement coverage, which pays up to $1,500 to replace your car door locks when your car's keys are lost or stolen, is a helpful protection in emergency situations. It applies when you alert the insurer in writing within 72 hours of the loss.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

Best Cheap Car Insurance Companies in Hampton

Our research shows that the following auto insurance providers in Hampton provide the state-required minimum coverage at competitive rates and with superior customer service:

  • Cincinnati Insurance: MoneyGeek score of 84 out of 100 ($411 per year)
  • American Family: MoneyGeek score of 83 out of 100 ($275 per year)

Minimum coverage plans typically have the cheapest premiums, but they also leave you on the hook for unexpected medical bills and repairs due to the lack of sufficient coverage.

Cincinnati Insurance

pros

Offers the an affordable rate of around $411 per year

Discounts for bundling policies, driving safe, going paperless; also loyalty and new customer discounts

Received high affordability and customer satisfaction scores

cons

No paperless discount or for paying in full

Low score for coverage options

COMPANY HIGHLIGHTS

Cincinnati Insurance was ranked the best and cheapest insurance company that offers auto insurance in Hampton. It boasts high customer satisfaction rankings in the city and an excellent affordability rating. For policyholders, discounts are available from Cincinnati Insurance to help you save money on your insurance.

You might be eligible for a big discount if you insure multiple vehicles with the insurer or combine your home and auto insurance. Teen drivers and other students who achieve academically and maintain a 3.0 GPA on a 4.0 scale or a B average for the most current term are eligible for insurance premium discounts.

Drivers who exercise caution and have experienced few or no collisions in the past may qualify for premium discounts. Cincinnati Insurance provides additional savings to motorists who have airbags, anti-lock brakes and anti-theft systems fitted in their vehicles.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

Average Cost of Car Insurance in Hampton

The average annual cost of auto insurance in Hampton is $928, which is $12 less than Virginia's average insurance cost of $940 and $337 less than the national average. These rates are for full coverage policies, which include bodily injury liability of $100,000 per person, $300,000 per accident and property damage liability of $100,000.

Where you live is one factor that determines your insurance costs.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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