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


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ByMark Fitzpatrick
Edited byAshley Jacobs
ByMark Fitzpatrick
Edited byAshley Jacobs

Updated: May 20, 2024

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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.

MoneyGeek Logo IconCheapest + BestCar InsuranceHampton
2024

Cheapest and Best Car Insurance in Hampton

Why Trust MoneyGeek? MoneyGeek devised a scoring system for Virginia's insurance providers based on Quadrant Information Services and the Virginia Department of Insurance. We developed a unique rating system to rank insurers in the city.

68,805Quotes Analyzed
 
15Companies Compared

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
American FamilyAnnual Premium$275Monthly Premium$23
MercuryAnnual Premium$279Monthly Premium$23
Virginia Farm BureauAnnual Premium$340Monthly Premium$28
Auto-Owners Insurance CoAnnual Premium$370Monthly Premium$31
State FarmAnnual Premium$374Monthly Premium$31
Cincinnati InsuranceAnnual Premium$411Monthly Premium$34
ErieAnnual Premium$420Monthly Premium$35
TravelersAnnual Premium$425Monthly Premium$35

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
American FamilyAnnual Premium$592Monthly Premium$49
Auto-Owners Insurance CoAnnual Premium$706Monthly Premium$59
NationwideAnnual Premium$734Monthly Premium$61
Virginia Farm BureauAnnual Premium$746Monthly Premium$62
ErieAnnual Premium$792Monthly Premium$66
State FarmAnnual Premium$807Monthly Premium$67
MercuryAnnual Premium$809Monthly Premium$67
TravelersAnnual Premium$853Monthly Premium$71

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
Auto-Owners Insurance CoAnnual Premium$783Monthly Premium$65
American FamilyAnnual Premium$862Monthly Premium$72
State FarmAnnual Premium$887Monthly Premium$74
NationwideAnnual Premium$902Monthly Premium$75
ErieAnnual Premium$908Monthly Premium$76
Cincinnati InsuranceAnnual Premium$1,096Monthly Premium$91
Virginia Farm BureauAnnual Premium$1,161Monthly Premium$97
TravelersAnnual Premium$1,189Monthly Premium$99

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$1,127Individual Plan Monthly Premium$3,708
State FarmFamily Plan Annual Premium$1,787Individual Plan Monthly Premium$4,293
Auto-Owners Insurance CoFamily Plan Annual Premium$1,815Individual Plan Monthly Premium$5,655
TravelersFamily Plan Annual Premium$1,820Individual Plan Monthly Premium$6,137
AllstateFamily Plan Annual Premium$2,513Individual Plan Monthly Premium$6,693
GEICOFamily Plan Annual Premium$2,787Individual Plan Monthly Premium$9,594
ProgressiveFamily Plan Annual Premium$2,937Individual Plan Monthly Premium$11,236
KemperFamily Plan Annual Premium$8,627Individual Plan Monthly Premium$17,438

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
American FamilyAnnual Premium$592Monthly Premium$49
USAAAnnual Premium$662Monthly Premium$55
Auto-Owners Insurance CoAnnual Premium$706Monthly Premium$59
NationwideAnnual Premium$734Monthly Premium$61
Virginia Farm BureauAnnual Premium$746Monthly Premium$62
ErieAnnual Premium$792Monthly Premium$66
State FarmAnnual Premium$807Monthly Premium$67
MercuryAnnual Premium$809Monthly Premium$67

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.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jun 13, 2024

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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

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Excellent satisfaction score

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Great affordability score

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

cons

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Does not offer accident forgiveness coverage and better car replacement

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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

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Excellent customer satisfaction score

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Good coverage score

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Affordable rates

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

cons

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No accident forgiveness and better car replacement

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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

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Offers the an affordable rate of around $411 per year

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

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Received high affordability and customer satisfaction scores

cons

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No paperless discount or for paying in full

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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 has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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