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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 $104.07 per month compared to the national average of $134.05 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.

AreaAverage Monthly Rate
National $134.05
Virginia $89.84
Chesapeake, Virginia $104.07

Chesapeake, VA Best Car Insurance Companies

car insurance in Chesapeake

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, USAA generally has the most affordable car insurance in Chesapeake coming in around $87.45 per month. Other companies to consider if you live in Chesapeake is Utica National Ins Group with an average cost of $89.46 per month and State Farm which typically runs around $91.25 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Chesapeake.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $87.45-2.66%
2 Utica National Ins Group $89.46-0.42%
3 State Farm $91.251.56%
4 Erie $93.544.12%
5 Virginia Farm Bureau $97.608.63%
6 Penn National $101.1312.57%
7 Mercury Insurance $111.8824.53%
8 Auto-Owners Insurance Co $114.4227.36%
9 Mercury $120.1733.76%
10 ALFA $120.3834.00%

How Much is Car Insurance in Chesapeake, VA?

how much is auto insurance in Chesapeake

Rates can vary from city to city. The residents of Alexandria typically pay $105.84 per month while people who live in Arlington will pay $95.41 per month on average. See what people pay for car insurance in other cities in Virginia.

Virginia CitiesMonthly Average Rate
Alexandria $105.84
Arlington $95.41
Chesapeake $104.07
Norfolk $104.94
Richmond $100.37
Roanoke $75.58

Cheap Car Insurance in Chesapeake by Zip Codes

find cheap auto insurance in Chesapeake

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 CodeAverage Monthly Rate
23320$104.12
23321$97.57
23322$103.99
23323$103.83
23324$103.10
23325$119.61

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 $255.30 per month in Chesapeake. Compare that to drivers in their 30’s who typically pay around $87.14 per month drivers in their 40s at $76.30 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 GroupAverage Monthly Rate
16-19$255.30
20s$130.05
30s$87.14
40s$76.30
50s$62.54
60s$64.82
70+$77.20

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, Utica National Ins Group typically charges around $98.53 per month. This is likely the most affordable option in Chesapeake. You might also want to consider USAA and ALFA who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Utica National Ins Group$98.53
USAA$164.89
ALFA$168.81
State Farm$175.88
Virginia Farm Bureau$176.02

Cheapest Insurance for 20 Year-olds in Chesapeake

20 year-olds in Chesapeake might want to consider Utica National Ins Group who, on average, offers car insurance rates around $103.14 per month. USAA , State Farm , Erie and Virginia Farm Bureau are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Utica National Ins Group$103.14
USAA$114.78
State Farm$117.26
Erie$120.91
Virginia Farm Bureau$129.24

Cheapest Insurance for 30 Year-olds in Chesapeake

If you are in your 30s in Chesapeake our research has found that USAA typically has the most affordable coverage coming in around $73.61 per month, followed by State Farm at $75.01 and Penn National at $75.18.

CompanyAverage Monthly Rate
USAA$73.61
State Farm$75.01
Penn National$75.18
Erie$76.06
Virginia Farm Bureau$78.86

Cheapest Insurance for 40 Year-olds in Chesapeake

On average, USAA offers car insurance for 40 year-olds in Chesapeake for around $64.87 per month. If you are looking for affordable coverage, you may also want to consider Virginia Farm Bureau or Penn National. The full list of top companies is below.

CompanyAverage Monthly Rate
USAA$64.87
Virginia Farm Bureau$73.77
Penn National$73.83
Erie$75.21
State Farm$79.82

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 Penn National generally offers the most affordable coverage at $64.30 per month.

CompanyAverage Monthly Rate
Penn National$64.30
USAA$66.49
State Farm$69.86
Erie$70.49
Virginia Farm Bureau$72.38

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 $62.99 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
State Farm$62.99
Penn National$65.44
USAA$66.33
Nationwide$71.65
Erie$74.57

Driver's Coverage Auto Insurance Rates in Chesapeake, VA

driver's coverage

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 $81.83 while drivers who are not currently covered will pay around $119.21.

CoverageAverage Monthly Rate
Not Currently Insured $119.21
Currently Insured $81.83

Compare Recent Car Insurance Quotes in Chesapeake

auto insurance quotes in Chesapeake city

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 2019 Audi Tts can expect to pay around $87.28 per month while someone that owns a 2013 Toyota Scion Xd may pay around $57.93 per month. Check out the list of recent quotes in Chesapeake below.

VehicleAverage Monthly Rate
2019 Audi Tts$87.28
2013 Toyota Scion Xd$57.93
2019 Infiniti Q50$159.46
2010 Lexus Ls$150.40
2009 Lexus Es$121.66
2014 Hyundai Elantra$125.07
2021 Mazda 3$195.98
2016 Chevrolet Silverado$91.54
2010 Buick Enclave$77.03
2007 Nissan Versa$149.83

FAQ's for Drivers in Chesapeake, VA

driver’s frequently asked question in Chesapeake

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.

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Commute Time in Chesapeake, VA

25.9 Miles
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Commute Time in United States

26.4 Miles
people

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.

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