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: $429 a year, or $36 a month, is Farm Bureau's rate, Hampton's cheapest for minimum coverage. That's 40% below the city average of $720, a $291 annual savings. Travelers is second at $439 a year, or $37 a month, a 39% savings against the same city average.
• Cheapest full coverage: Farm Bureau has the lowest full coverage rate too, $798 a year or $67 a month, 37% below the city average of $1,272 and $474 in annual savings. Travelers costs $840 a year, or $70 a month, for full coverage, still 34% below the city average but $42 more than Farm Bureau over a year.

Young drivers in Hampton pay the highest car insurance costs of any age group. Adults and seniors both get more affordable options. The most budget-friendly insurance companies in Hampton by age group are:

• 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.

ZIP code alone splits Hampton car insurance costs across neighborhoods. Drivers in 23661 pay the highest full coverage rate in the city, $119 a month. Drivers in 23651 pay the lowest, $101 a month.

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:

Quotes from major insurers, pulled from the Virginia Bureau of Insurance and Quadrant Information Services, cover every Hampton ZIP code in this analysis. Driver profiles factored in age, driving history, credit score and military status.

MoneyGeek's rating system weighs three factors:

• Affordability (60%): minimum coverage (Virginia's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) both factor into this comparison. It carries the most weight because coverage nobody can afford long-term isn't useful coverage.
• Customer experience (30%): Google reviews and J.D. Power ratings show how insurers actually handle claims and treat policyholders after incidents like hurricane damage or a hit-and-run. Actual interactions shape this score, not marketing claims.
• Coverage options (10%): more options give Hampton drivers a better shot at matching coverage to local risks, flood damage, uninsured motorists and theft included.