Compare the Cheapest Car Insurance Quotes in Hampton, VA

Car insurance in Hampton costs approximately $763 per year, which is lower than the state average. The most affordable, widely available insurance provider in the city at $483 per year on average is Progressive. MoneyGeek analyzed insurance companies by your coverage level and driving history. We also recommend the best insurer for drivers focused on quality as well as cost.

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Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 12/3/2022
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Finding cheap car insurance depends on your driving history and coverage limits. The most affordable insurer for full and state minimum coverage and for drivers with speeding tickets in Hampton is Progressive. USAA may be the best option for military families.

MoneyGeek found that the best insurance provider that balances customer service and affordability in Hampton is GEICO.

iconribbonbestauto insuranceHampton2022

The Cheapest and Best Car Insurance in Hampton

The Cheapest Car Insurance Companies in Hampton

In Hampton, drivers can secure the cheapest car insurance for a full coverage car insurance policy from the following companies:

  • Progressive: $483 per year
  • GEICO: $646 per year

USAA is the third-cheapest insurer in the city but is exclusive to members of the military and their families.

Metlife is the most expensive car insurance company in Hampton, at $1,088 per year, which is 125.3% more than Progressive policyholders pay for the same coverage.

Full coverage car insurance costs more because it includes comprehensive and collision insurance. However, the amount you pay can vary based on your driving profile and the coverage amount you choose.

Cheapest Car Insurance in Hampton
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Progressive
    $483
  • 2.
    GEICO
    $646
  • 3.
    Erie
    $661
  • 4.
    USAA
    $661
  • 5.
    State Farm
    $696
  • 6.
    Nationwide
    $714
  • 7.
    Travelers
    $806
  • 8.
    Mercury
    $866
  • 9.
    Allstate
    $911
  • 10.
    MetLife
    $1,088

In accordance with MoneyGeek's methodology, average rates in this study are determined using a sample 40-year-old male driver in Hampton with full coverage car insurance.

Full coverage car insurance has liability insurance as well as comprehensive and collision coverage that protects you financially when repairing your damaged vehicle after an accident. A full coverage policy is more expensive than liability-only because of this additional protection:

  • Collision coverage: pays for the cost of damage to your car after an at-fault accident
  • Comprehensive coverage: covers the cost of repairing your damaged car due to damage from theft, vandalism and other similar incidents

If you have an older car, full coverage insurance may not be the best option since your premiums can be higher than your car’s replacement value. In this case, MoneyGeek recommends getting a policy with low rates, such as the state minimum or liability-only insurance.

Compare Car Insurance Rates in Hampton

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Hampton for Minimum Coverage

For the cheapest car insurance in Hampton, you can purchase a state minimum policy. Although it’s the most affordable, it doesn’t include comprehensive and collision insurance and has low liability coverage levels. That means you risk not being fully covered.

Based on MoneyGeek, the cheapest state minimum car insurance in Hampton is offered by:

  • Progressive: $320 per year
  • Erie: $343 per year

Military members and their families can purchase insurance through USAA, the second cheapest in Hampton at $335 per year.

Metlife has the most expensive state minimum insurance in Hampton, at $622 per year on average, which is $302 more than Progressive.

Use the table below to see how much higher liability coverage costs.

Cheapest Minimum Liability Car Insurance in Hampton
State Minimum

The limit for the state minimum car insurance in Hampton is 25/50/20. Your policy should also include uninsured/underinsured coverage with the same limits. It’s the cheapest insurance you can buy in Hampton, but it also offers the least protection.

If you get involved in an at-fault accident and your medical or property damage costs exceed these limits, you will have to cover the additional costs out of pocket. For instance, if you’re in an accident and the medical expenses reach $35,000, you are responsible for the $10,000 difference.

Virginia Minimum Liability Requirements

  • Item
    Description
  • 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.

Cheapest Car Insurance in Hampton if You Have Driving Violations

Having a traffic violation on your record, like a DUI or speeding ticket, can cause your car insurance rates to increase significantly. The amount of the increase depends on the type of violation.

Based on our research, the cheapest car insurance in Hampton for drivers with violations is offered by:

  • Cheapest after a ticket: Progressive, $639 per year
  • Cheapest after an at-fault accident: State Farm, $825 per year
  • Cheapest after a DUI: Progressive, $671 per year

You can reduce your car insurance rates over time by improving your driving record. In the meantime, it makes sense to shop around and compare quotes to find which company gives you the best deal.

Cheapest Car Insurance in Hampton With a Violation
Speeding Ticket

Average Cost of Car Insurance in Hampton

Hampton$763
Virginia$790
U.S.$1,424

The average cost of car insurance in Hampton is $763 per year, which is slightly lower than the state average and significantly lower than the national average. The state average of $790 is higher than Hampton’s by 3.4%, whereas the national average of $1,424 is higher by $46.4%.

Personalized Quotes to Get You the Cheapest Car Insurance in Hampton

Several factors make up the average cost of car insurance in Hampton. These include your age, gender, the make and model of your car, the coverage level you choose and your ZIP code, among others. How much you pay for coverage will depend on how your profile relates to these factors. Regularly comparing personalized quotes from different providers can make sure you have the most affordable coverage as your circumstances change over time.

Compare Car Insurance Rates in Hampton

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Hampton

MoneyGeek ranked the best auto insurance companies in Hampton based on affordability, claims history and customer satisfaction. We found that the top-rated car insurance providers in the city are as follows:

  • Progressive: MoneyGeek score of 92.0 out of 100
  • Erie: MoneyGeek score of 91.6 out of 100

Because USAA only serves military members and their families, MoneyGeek omitted it from our analysis. However, it received a high MoneyGeek score of 88.6, making it the fourth-best auto insurance provider in Hampton for military families.


1
Erie
Score:100
There are no ratings for this company
Geek Quick Take
Geek Quick Take

Erie received high, nearly perfect scores for financial stability, claims, customer service and affordability. Its standard premium costs around $661 per year. In addition to its standard coverage options, the insurer offers one rare coverage add-on — new or better car replacement coverage.

More About Erie

Erie’s new or better car replacement coverage, Auto Security, helps drivers whose newer vehicles have been totaled in an accident. With new or better car replacement coverage, if your car is less than two years old and it gets totaled, it will be replaced with the newest model year.

Read MoneyGeek's Erie auto Insurance Review
2
Progressive
Score:92

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

Geek Quick Take
Geek Quick Take

Progressive received high scores for stability and claims, but it was most noteworthy for its affordability; the average cost of a policy for a 40-year-old driver in Hampton is only $483 per year. The insurer also offers a rare add-on coverage option, custom parts and equipment (CPE) coverage.

More About Progressive

With Progressive’s CPE coverage, you can repair or replace aftermarket accessories on your vehicle like stereos, navigation systems or custom wheels, up to a $5,000 limit. More commonly offered coverage options like accident forgiveness, gap insurance, deductible modification and rideshare insurance can also be added to your standard policy or earned over time.

Read MoneyGeek's Progressive auto Insurance Review

Average Cost of Car Insurance by Postal Code

Where you live can also influence your car insurance rates. Living in a neighborhood that records more car thefts, accidents and similar high-risk incidents can make your car insurance more costly.

This can be demonstrated by the difference in costs across the city’s ZIP codes, with some being nearly the same and others being quite different. For example, there’s almost no difference between the average rate for ZIP code 23669 at $763 and ZIP code 23666 at $764.

  • Zip Code
    State Minimumper year
  • 23669
    $763
  • 23666
    $764

Factors That Impact Insurance Costs in Hampton

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 Hampton. How Hampton 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 Fatalities120th/300
handcuffs2 icon
Most Car Thefts68th/300
uninsured icon
Most Uninsured Motorists by State34th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall57th/300
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Most Rainy Days82nd/300

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.