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Chesapeake Car Insurance
How much does car insurance cost in Chesapeake, VA? Check out the average rates that drivers pay below.
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What Is the Average Cost of Car Insurance in Chesapeake?
Along Virginia’s sparkling Intracoastal Waterway, you’ll find the beautiful city of Chesapeake. The town was officially created by a voter referendum in 1963 when the formerly independent city of South Norfolk merged with Norfolk County. Although Chesapeake was recently incorporated, the area has a storied history and a long, colorful past.
Chesapeake’s shoreline was one of the first areas where colonists set foot after their harrowing ocean voyages. The region was also the site of the American Revolutionary War’s Battle of Great Bridge in 1775. After the watershed battle, the colonists expunged the British Government from the Virginia colony. Every year, Chesapeake reenacts the Battle of Great Bridge during a two-day festival.
The town's Dismal Swamp Canal was a primary waterway route used to carry Confederate supplies during the Civil War before Union soldiers captured it in 1862. This artificially created canal has been in continuous use for 230 years. This canal is also renowned as the location where author Edgar Allan Poe wrote his famous poem, The Raven.
Today, Chesapeake is known for its festivals, family-fun adventures, natural wonders and scenic waterways. The area has 22 miles of fresh and salt waterways.
Hikers can explore the winding trails in the Northwest River Park and Campground. Others may spot rare bird species and other fauna at the Great Dismal Swamp National Wildlife Refuge.
The coastal area also has many outstanding restaurants, cafes and diners that are perfect for a Sunday afternoon brunch or a Friday night on the town. The Egg Bistro is a popular cafe that serves delicious breakfast bowls, half-pound burgers and signature sandwiches. Off the Hook Seafood and Chophouse is an upscale restaurant that serves ocean-fresh shrimp, seared scallops and an award-winning crab dip. You can also enjoy a gourmet deep-dish Windy City Pizza or a classic one from Mister Jim’s.
Chesapeake’s population continues to increase, according to recent estimates released by the U.S. government. According to a 2019 Census estimate, the city’s population was 244,835. This statistic means that the town’s streets are more congested than ever.
If you live in Chesapeake, you may use the Hampton Roads Transit to tour the coastal city’s shops, restaurants and natural attractions. Having a car is a more convenient choice to take advantage of everything that Chesapeake offers.
According to Virginia’s Highway Safety Office, Chesapeake had 2,484 crashes in 2019. If you’re a driver, you’ll need good auto insurance coverage to protect your wheels on the road. In this article, you’ll learn about the minimum auto insurance requirements for the State of Virginia.
Monthly Average Rates by Country, State, and City
Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Virginia has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Chesapeake typically pay around $105.26 per month compared to the national average of $146.47 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.
| Area | Average Monthly Rate |
|---|---|
| National | $146.47 |
| Virginia | $101.46 |
| Chesapeake, Virginia | $105.26 |
Chesapeake, VA Best Car Insurance Companies
Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Clearcover generally has the most affordable car insurance in Chesapeake coming in around $71.97 per month. Other companies to consider if you live in Chesapeake is State Farm with an average cost of $87.36 per month and Utica National Ins Group which typically runs around $89.12 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Chesapeake.
| Rank | Company | Average Monthly Rate | Comparison State Average |
|---|---|---|---|
| 1 | Clearcover | $71.97 | -29.06% |
| 2 | State Farm | $87.36 | -13.89% |
| 3 | Utica National Ins Group | $89.12 | -12.16% |
| 4 | USAA | $89.42 | -11.86% |
| 5 | Mercury Insurance | $103.43 | 1.94% |
| 6 | Penn National | $103.68 | 2.19% |
| 7 | Erie | $104.18 | 2.68% |
| 8 | Auto-Owners Insurance Co | $105.83 | 4.31% |
| 9 | ALFA | $112.54 | 10.93% |
| 10 | Virginia Farm Bureau | $112.90 | 11.27% |
How Much is Car Insurance in Chesapeake, VA?
Rates can vary from city to city. The residents of Alexandria typically pay $119.86 per month while people who live in Arlington will pay $108.23 per month on average. See what people pay for car insurance in other cities in Virginia.
| Virginia Cities | Monthly Average Rate |
|---|---|
| Alexandria | $119.86 |
| Arlington | $108.23 |
| Charlottesville | $91.42 |
| Chesapeake | $105.26 |
| Fairfax | $116.01 |
| Fredericksburg | $104.48 |
| Hampton | $109.32 |
| Henrico | $101.79 |
| Lynchburg | $87.82 |
| Newport News | $108.90 |
| Norfolk | $119.91 |
| Richmond | $113.50 |
| Roanoke | $83.86 |
| Springfield | $110.59 |
| Virginia Beach | $107.99 |
Cheap Car Insurance in Chesapeake by Zip Codes
Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Virginia. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.
| Chesapeake, VA ZIP Code | Average Monthly Rate |
|---|---|
| 23320 | $101.35 |
| 23321 | $99.65 |
| 23322 | $98.09 |
| 23323 | $109.06 |
| 23324 | $109.18 |
| 23325 | $118.70 |
| 23327 | $61.37 |
| 24501 | $64.07 |
Car Insurance Rates by Driver's Age Group in Chesapeake
Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $211.28 per month in Chesapeake. Compare that to drivers in their 30’s who typically pay around $94.81 per month drivers in their 40s at $85.30 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.
| Age Group | Average Monthly Rate |
|---|---|
| 16-19 | $211.28 |
| 20s | $148.44 |
| 30s | $94.81 |
| 40s | $85.30 |
| 50s | $70.25 |
| 60s | $83.55 |
| 70+ | $89.64 |
Cheapest Insurance for Teenage Drivers in Chesapeake
If you are teen in Chesapeake you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Clearcover typically charges around $87.87 per month. This is likely the most affordable option in Chesapeake. You might also want to consider Utica National Ins Group and ALFA who also offer good affordable policies for teen drivers.
| Company | Average Monthly Rate |
|---|---|
| Clearcover | $87.87 |
| Utica National Ins Group | $97.74 |
| ALFA | $169.64 |
| USAA | $169.93 |
| State Farm | $170.72 |
Cheapest Insurance for 20 Year-olds in Chesapeake
20 year-olds in Chesapeake might want to consider Clearcover who, on average, offers car insurance rates around $79.24 per month. Utica National Ins Group , State Farm , USAA and Mercury Insurance are also in the top 5 cheapest rates available.
| Company | Average Monthly Rate |
|---|---|
| Clearcover | $79.24 |
| Utica National Ins Group | $100.29 |
| State Farm | $120.02 |
| USAA | $121.68 |
| Mercury Insurance | $144.75 |
Cheapest Insurance for 30 Year-olds in Chesapeake
If you are in your 30s in Chesapeake our research has found that Clearcover typically has the most affordable coverage coming in around $70.72 per month, followed by State Farm at $76.90 and USAA at $77.88.
| Company | Average Monthly Rate |
|---|---|
| Clearcover | $70.72 |
| State Farm | $76.90 |
| USAA | $77.88 |
| Penn National | $84.68 |
| Auto-Owners Insurance Co | $88.07 |
Cheapest Insurance for 40 Year-olds in Chesapeake
On average, Clearcover offers car insurance for 40 year-olds in Chesapeake for around $58.24 per month. If you are looking for affordable coverage, you may also want to consider USAA or Mercury Insurance. The full list of top companies is below.
| Company | Average Monthly Rate |
|---|---|
| Clearcover | $58.24 |
| USAA | $74.37 |
| Mercury Insurance | $74.79 |
| State Farm | $76.02 |
| Penn National | $76.73 |
Cheapest Insurance for 50 Year-olds in Chesapeake
Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Chesapeake we found that Clearcover generally offers the most affordable coverage at $40.80 per month.
| Company | Average Monthly Rate |
|---|---|
| Clearcover | $40.80 |
| Mercury Insurance | $67.00 |
| USAA | $67.69 |
| State Farm | $69.40 |
| Utica National Ins Group | $70.11 |
Cheapest Insurance for 60 Year-olds in Chesapeake
If you live in Chesapeake and you’re in your 60s, our data indicates that State Farm usually has the best rates at $69.23 per month. The top 5 list of car insurance companies is below.
| Company | Average Monthly Rate |
|---|---|
| State Farm | $69.23 |
| USAA | $72.88 |
| Clearcover | $73.96 |
| Utica National Ins Group | $74.08 |
| Penn National | $77.45 |
Driver's Coverage Auto Insurance Rates in Chesapeake, VA
Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Chesapeake, the average monthly rate for a driver who is currently insured is $96.86 while drivers who are not currently covered will pay around $117.29.
| Coverage | Average Monthly Rate |
|---|---|
| Not Currently Insured | $117.29 |
| Currently Insured | $96.86 |
Compare Recent Car Insurance Quotes in Chesapeake
Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Chesapeake a driver of a 2022 Hyundai Kona can expect to pay around $118.50 per month while someone that owns a 2015 Volkswagen Jetta may pay around $76.40 per month. Check out the list of recent quotes in Chesapeake below.
| Vehicle | Average Monthly Rate |
|---|---|
| 2022 Hyundai Kona | $118.50 |
| 2015 Volkswagen Jetta | $76.40 |
| 2016 Dodge Dart | $329.83 |
| 2019 Subaru Impreza | $113.45 |
| 2020 Toyota Camry | $101.67 |
| 2002 Ford Ranger | $61.35 |
| 2014 Kia Optima | $143.67 |
| 2005 Chevrolet Impala | $181.28 |
FAQ's for Drivers in Chesapeake, VA
What Is the Minimum Liability Coverage Requirement in Chesapeake, VA?
Every state requires drivers to have a minimum amount of liability coverage. Virginia drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.
- $25,000; Bodily injury coverage per person; Maximum payment for serious injury or death to a single person
- $50,000; Bodily injury coverage per accident; Maximum payment for serious injury or death to more than one person
- $25,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you
Virginia drivers are not required to carry automobile insurance. Vehicle owners can instead opt to pay $500 to the Department of Motor Vehicles. Failure to insure your vehicle or pay this uninsured motor vehicle (UMV) fee is a Class 3 misdemeanor and is punishable by fines up to $500.
If you choose to insure your vehicle, Virginia requires at least $25,000 of bodily injury liability coverage per person and $50,000 of bodily injury coverage per accident. Additionally, you have to take out a minimum of $20,000 in property damage liability and carry uninsured motorist insurance in the same amounts as above.
What Is the Blood Alcohol Concentration (BAC) limit in Chesapeake, VA?
It’s against the law to drive in Virginia at the following BAC percentages:
- .08%+ at 21 years old or older
- .04%+ for commercial vehicle drivers
- .02%+ at under 21 years old
You can be convicted of driving under the influence in Virginia even if the amount of alcohol in your blood has not caused obvious impairment. Moreover, you can be convicted if your BAC is at or above 0.08% or you’re impaired and just sitting in your vehicle with the key in the ignition. Your vehicle does not need to be moving and your ignition can be in the “off” position and you can still be found guilty.
What are the consequences of being convicted of a DUI?
Driving while under the influence of alcohol or drugs in Virginia is a big mistake. Potential penalties for a first offense DUI in Virginia include fines, jail time, court costs, driver’s license revocation, ignition interlock installation for restricted licenses, enrollment in the Virginia Alcohol Safety Action Program (ASAP), and DMV demerit points. High BACs or conviction of a DUI while transporting a minor result in mandatory jail time.
Check Out Other Rates in Chesapeake, VA Nearby Cities:
Commute Time in Chesapeake, VA
25.9 MilesCommute Time in United States
26.4 Miles
Number of Nearest Insurance Agents in Chesapeake, VA
161 Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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