Cheapest and Best Car Insurance in Hampton, VA (2024)

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.