Cheapest Car Insurance in Hampton, VA (2026)

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Updated: May 15, 2026

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Quick Take: Hampton's Best Cheap Car Insurance Companies
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Farm Bureau provides the most affordable car insurance in Hampton at $429 per year for minimum coverage and $798 per year for full coverage. Travelers, Auto-Owners and Mercury deliver competitive rates for specific driver profiles.

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For Hampton drivers, Travelers offers the best mix of price and service, ranking first for affordability and second for customer experience. Auto-Owners isn't far behind, with standout service scores and competitive rates.

Cheapest Hampton Car Insurance by Coverage Type

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.
Farm Bureau$36$67-41%
Travelers$37$70-38%
Auto Owners$45$78-29%
Mercury Insurance$56$94-13%
Geico$54$98-12%

Cheapest Hampton Car Insurance by Age

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.

Data filtered by:
Adult Drivers
Farm Bureau$36$429-43%
Travelers$37$439-42%
Auto Owners$45$535-29%
Erie Insurance$52$620-18%
Penn National Insurance$53$634-16%

Cheapest Hampton Car Insurance With Violations

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.

Data filtered by:
At Fault Accident ($1000-$1999 Prop Dmg)
Travelers$50$597
Farm Bureau$50$606
Auto Owners$62$743
State Farm$64$771
Penn National Insurance$71$846

Hampton Car Insurance Costs by ZIP Code

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.

Data filtered by:
23651
23651$55$101

Best Car Insurance Companies in Hampton

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.

Travelers94.89235
Auto Owners94.52317
Erie Insurance91.12623
Farm Bureau89.25159
Mercury Insurance85.04476
Travelers

Travelers: Best Overall

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  • Same-day claims settlement for minor accidents

  • IntelliDrive program discounts for safe drivers

  • Accident forgiveness keeps rates stable after a first at-fault accident

closecons

  • Rates run higher than more affordable competitors

  • Claims processing is slower than smaller insurers

  • Coverage costs are high relative to what you get

COMPANY HIGHLIGHTS

Why it wins in Hampton: Travelers settles minor claims within a day and offers 24/7 digital tools. Both matter in Hampton, where high traffic volume and hurricane season keep claim activity high.

Farm Bureau

Farm Bureau: Cheapest Overall

checkmarkpros

  • Most affordable rates among Hampton providers

  • Driveology program discounts for safe drivers

  • Local Hampton office for in-person support

closecons

  • Fewer coverage options than most competitors

  • Online policy management tools lag behind industry standards

  • Customer service scores rank below average for Hampton insurers

COMPANY HIGHLIGHTS

Why it wins in Hampton: Farm Bureau beats competitors on price across every driver profile in Hampton. At $429 annually for minimum coverage and $798 for full coverage, Farm Bureau saves Hampton drivers over $291 per year compared to city averages.

How to Find the Lowest Rates and Best Insurer in Hampton

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

  1. 1
    Research Hampton Insurance Companies
    • Coverage for Hampton risks: Travelers offers flood insurance and comprehensive auto coverage. Auto-Owners covers equipment breakdown and personal property, a good fit for Hampton's higher-density neighborhoods where property claims run higher. Both cover hurricane damage, theft and at-fault accidents. See our guide to how much car insurance you need.
    • Claims process: Travelers offers 24/7 claim reporting through its app and online portal, with local representatives available. Auto-Owners uses digital filing backed by local agents for in-person support.
  2. 2
    Maximize Hampton Savings Opportunities
    • Bundle policies: Combining auto with home or renters coverage cuts rates by 15% to 25% in Hampton. Adding a second vehicle drops costs another 10% to 25%, and stacking good driver, paperless billing and automatic payment discounts can push total savings to 30% to 40%.
    • Adjust your deductible: Raising your deductible from $500 to $1,000 lowers annual premiums by 10% to 15%. Make sure you can cover that amount out of pocket before you file a claim.
    • Compare rates every year: Hampton's risk profile shifts with weather patterns and traffic data, and insurers reprice accordingly. A clean three-year driving record often qualifies you for lower rates, so it's worth shopping again when you hit that mark.

Cheap Hampton Car Insurance: FAQ

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

Is car insurance in Hampton expensive?

How much is car insurance in Hampton?

What are the biggest insurers in Hampton?

How We Analyzed the Best and Cheapest Car Insurance in Hampton, Virginia

We pulled quotes from major insurers using data from the Virginia Bureau of Insurance and Quadrant Information Services, covering all Hampton ZIP codes. Driver profiles included age, driving history, credit score and military status.

Our rating system weighs three factors:

  • Affordability (60%): We compared rates for minimum coverage (Virginia's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles). This category carries the most weight because coverage you can't afford long-term isn't useful coverage.
  • Customer experience (30%): Google reviews and J.D. Power ratings show how insurers handle claims and treat policyholders after incidents like hurricane damage or hit-and-run accidents. The score reflects real interactions, not marketing claims.
  • Coverage options (10%): Insurers with more options give Hampton drivers a better shot at matching coverage to local risks, including flood damage, uninsured motorists and theft.

About Mark Fitzpatrick

Mark Fitzpatrick, Licensed P&C Insurance Expert, MoneyGeek

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.

Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.

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