Cheapest Auto Insurance in Chesapeake, Virginia (2024)
Auto-Owners offers the cheapest car insurance in Chesapeake, with minimum-coverage policies as low as $39 per month.
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Written byChristy Rakoczy
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Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.
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Edited byAshley Cox
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Updated October 30, 2024
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Table of contents
In Chesapeake, Virginia, the average monthly cost of auto insurance is $138. This is higher than the statewide average of $138 but lower than national average of $158.
Chesapeake is less walkable and has fewer options for public transportation than many other areas in Virginia, which may contribute to its higher car insurance rates.
However, Chesapeake residents still have options for affordable policies. It’s important to compare multiple insurers so you can find the one that’s best for your individual needs.
Quick Facts
Chesapeake drivers pay an average of $105 per month for liability-only coverage and $171 per month for full coverage.
Auto-Owners, State Farm, and GEICO are the cheapest car insurance companies in Chesapeake.
Full-coverage car insurance policies cost Chesapeake drivers an average of $2,056 per year.
3 of the cheapest car insurance companies in Chesapeake
Insurance companies price policies based on many factors, including driver demographics such as marital status and age. The type of vehicle and where you keep it can also affect costs.[1] Because so many factors affect premiums, every Chesapeake driver should get individual quotes to find the most affordable coverage.
Auto-Owners, State Farm, and GEICO are three inexpensive options that may be the right choice for many Chesapeake residents looking for cheap auto insurance. Check out the table below to learn more about these companies.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $66 | $36 | Liability-only coverage |
| State Farm | 9.3 | $68 | $37 | Drivers with an accident |
| GEICO | 9.0 | $68 | $49 | Military members and veterans |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for liability-only coverage: Auto-Owners
Auto-OwnersCompare personalized, real-time quotes
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $39/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $75/mo |
Since Chesapeake is located within the Hampton Roads region — which recorded the highest rate of vehicle crashes in Virginia in 2022 — it’s important to have liability insurance.[2] Auto-Owners charges the lowest rates in Virginia for liability-only policies. This coverage pays for losses caused to others but not damage to a policyholder’s vehicle.
In addition to auto insurance, Auto-Owners offers homeowners insurance, renters insurance, pet insurance, life insurance, and more.
Pros
A+ rating from the Better Business Bureau (BBB)
Fewer complaints than average, according to the National Association of Insurance Commissioners (NAIC)
Cons
Not available in every state
Quotes only available via agents
Read more driver reviews of Auto-Owners
Ronald W - October 29, 2024
Verified
They Cancelled Our Home Insurance
We had no problem with Auto-Owners regarding our auto insurance. However, we were disappointed when Auto-Owners cancelled our home insurance. They stopped all home insurance in 'fire prone areas'.
Martha - October 28, 2024
Verified
Good
The premiums keep increasing.
Lawrence - October 24, 2024
Verified
Honest Answers to Questions
Please refer to my answers to the previous questions.
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Best insurer for drivers with an accident: State Farm
State FarmCompare personalized, real-time quotes
| User Reviews | 3.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $40/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $76/mo |
For motorists involved in the 2,571 collisions in Chesapeake in 2022, State Farm may be a good choice for auto insurance.[3] State Farm offers some of the most affordable rates for Virginia drivers with an accident on their record. In fact, the insurer’s premiums after an at-fault claim come in at less than half of what some competitors charge.
Pros
Above-average J.D. Power customer satisfaction rating in the Mid-Atlantic region
Network of 19,000 agents provides in-person support, but quotes also available online
Cons
Gap insurance not available
Not as many discounts as some competitors
Read more driver reviews of State Farm
Jannie - October 29, 2024
Verified
Good
The insurance is higher than other companies' policies.
Marsha - October 29, 2024
Verified
Friendly agents!
Check out their prices!
Linda - October 29, 2024
Verified
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
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Best insurer for military members and veterans: GEICO
GEICOCompare personalized, real-time quotes
| User Reviews | 3.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $103/mo |
Chesapeake is home to more than 28,000 veterans, as well as many military members in its rural southern area, where the NSA Northwest Annex is located.[4] Active-duty and retired military qualify for special discounts from GEICO, making it a top choice for people in the service.
Pros
A+ rating from the BBB
Competitive rates and numerous available discounts
Cons
Below-average J.D. Power customer satisfaction rating in the Mid-Atlantic region
Rideshare insurance and gap insurance not available
Read more driver reviews of GEICO
Herman - October 29, 2024
Verified
Excellent
For us, it came down to cost and having all of our insurance with the same company, not farmed out.
Greg - October 29, 2024
Verified
It's Expensive
It's expensive.
Robert - October 29, 2024
Verified
Unpleasant Experience on Cape Cod
My insurance has gone from $37 a month to $82. Stay far away from this company.
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How to get the cheapest car insurance in Chesapeake
Insurance companies price policies based on risk. If you’re a safe driver, they’ll charge you less for insurance coverage. Many different factors affect how risky it is to insure you, including your age, marital status, type of vehicle you drive, and where you live.
You can also do some things to maximize your chances of getting cheap car insurance in Chesapeake. Some of the best ways to reduce auto insurance premiums include the following:[5]
Shop around and obtain quotes from many insurers.
Ask questions of insurance companies about discounts that may be available, such as for employment with certain companies.
Bundle coverage to take advantage of multi-policy discounts, including by buying homeowners insurance or life insurance from the same insurer.
Avoid accidents to earn good driver discounts and appear less risky to insurers.
Find Cheap Car Insurance in Chesapeake, Virginia
Liability-only quotes start at $39 per month
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Cheapest liability-only car insurance in Chesapeake: Auto-Owners
Liability-only car insurance only covers harm you cause to others. It doesn’t pay for any damages to your own vehicle. It’s usually much less expensive for customers to buy liability-only coverage rather than a full-coverage policy. But you take a big risk by going without coverage for your car.
Liability-only coverage costs an average of $105 per month in Chesapeake. The table below shows some of the most affordable insurers for drivers who want minimum coverage at lower rates.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $39 |
| State Farm | $40 |
| GEICO | $55 |
| USAA | $55 |
| Mercury | $57 |
| Chubb | $60 |
| Clearcover | $62 |
| Erie | $62 |
| Nationwide | $72 |
| Midvale Home & Auto | $73 |
| Safeco | $80 |
| Direct Auto | $84 |
| Progressive | $85 |
| Allstate | $86 |
| Elephant | $88 |
| State Auto | $91 |
| National General | $100 |
| GAINSCO | $108 |
| AssuranceAmerica | $109 |
| Dairyland | $111 |
| Travelers | $115 |
| CSAA | $123 |
| Liberty Mutual | $132 |
| Bristol West | $136 |
| The General | $161 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Chesapeake: Auto-Owners
Full-coverage car insurance includes liability insurance. But it also adds other kinds of insurance that protect your personal property. Collision and comprehensive coverage will pay if you crash your car or something else goes wrong, such as theft or damage due to vandalism.
Full-coverage auto insurance costs $171 per month in Chesapeake, on average. The table below shows some of the most affordable Chesapeake insurers offering full-coverage policies.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $75 |
| State Farm | $76 |
| GEICO | $103 |
| USAA | $103 |
| Clearcover | $109 |
| Chubb | $112 |
| Erie | $117 |
| Mercury | $125 |
| Midvale Home & Auto | $125 |
| Safeco | $125 |
| Nationwide | $133 |
| Direct Auto | $147 |
| State Auto | $149 |
| Elephant | $159 |
| Allstate | $160 |
| Progressive | $163 |
| AssuranceAmerica | $180 |
| National General | $194 |
| CSAA | $196 |
| Travelers | $214 |
| Liberty Mutual | $217 |
| GAINSCO | $254 |
| Bristol West | $268 |
| Dairyland | $272 |
| The General | $309 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Chesapeake, Virginia
Drivers in and around Chesapeake, Virginia have found policies from GAINSCO, Direct Auto, State Farm, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Chesapeake, Virginia within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Chesapeake, Virginia within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Virginia
As of July 1, Virginia will no longer allow commonwealth drivers to pay a $500 Uninsured Motor Vehicle fee and forgo insurance. As of that date, Virginia’s registration laws will change to require all drivers who want to register a vehicle in the commonwealth to buy at least the minimum required amount of liability coverage.
Virginia is also changing the minimum amount of car insurance required, with modifications to the law going into effect on Jan. 1, 2025. The table below shows the current and future minimum required coverage:[6]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability |
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| Property damage liability |
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In addition to the minimum required coverage, many other types of optional coverage are also available in Chesapeake, including the following:
Collision coverage
Collision insurance pays for damages to your vehicle caused by a crash.
Comprehensive coverage
Comprehensive insurance covers damages to your vehicle not caused by a crash but by theft, vandalism, or other non-collision causes.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for damages caused by drivers without sufficient insurance.
Medical payments coverage
Medical payments coverage pays for medical bills and lost wages to policyholders and their passengers after a crash.
Cheapest car insurance for drivers with an incident
If drivers have certain incidents on their record, insurers charge them more for an auto policy because they present a greater risk. Examples of incidents that can result in an increase in premiums include speeding tickets, driving under the influence (DUI), and at-fault accidents. Insurers view these and other moving violations as increasing the likelihood of a collision leading to an insurance claim.
For example, full-coverage car insurance in Chesapeake costs an average of $234 per month for drivers with speeding tickets, while drivers with DUIs on their records face an average monthly cost of $274 for full coverage.
Some insurers penalize drivers with incidents more than others, so it’s a good idea to shop for the best price. The table below shows some of the cheapest insurers for motorists with imperfect driving records.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| Auto-Owners | $39 | $50 | $52 | $63 |
| State Farm | $40 | $51 | $53 | $65 |
| GEICO | $55 | $70 | $73 | $89 |
| USAA | $55 | $70 | $73 | $89 |
| Mercury | $57 | $78 | $81 | $85 |
| Chubb | $60 | $78 | $80 | $98 |
| Clearcover | $62 | $80 | $89 | $101 |
| Erie | $62 | $81 | $84 | $101 |
| Nationwide | $72 | $93 | $97 | $117 |
| Safeco | $80 | $103 | $104 | $130 |
| Direct Auto | $84 | $107 | $114 | $137 |
| Progressive | $85 | $108 | $114 | $138 |
| Allstate | $86 | $110 | $114 | $140 |
| Elephant | $88 | $122 | $115 | $143 |
| State Auto | $91 | $126 | $133 | $148 |
| National General | $100 | $128 | $134 | $163 |
| GAINSCO | $108 | $149 | $138 | $176 |
| AssuranceAmerica | $109 | $141 | $144 | $177 |
| Dairyland | $111 | $142 | $147 | $180 |
| Travelers | $115 | $148 | $154 | $187 |
| CSAA | $123 | $160 | $170 | $200 |
| Liberty Mutual | $132 | $182 | $188 | $215 |
| Bristol West | $136 | $174 | $180 | $221 |
| The General | $161 | $208 | $218 | $262 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Age affects auto insurance premiums. Teen drivers have a higher likelihood of crashes because of inexperience and immaturity, which means premiums are high for young motorists.[7]
Costs decline around age 35 before going up again for seniors around age 70. Seniors also pay more, as information on crash risks shows older adults present an increased risk of aging-related cognitive or mobility issues.[8]
The table below shows the average cost of car insurance by age in Chesapeake:
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $290 |
| 20s | $200 |
| 30s | $148 |
| 40s | $135 |
| 50s | $121 |
| 60s | $112 |
| 70s | $116 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Chesapeake car insurance quotes by credit tier
Virginia allows insurance companies to consider credit history when setting auto insurance rates.[9] Insurance companies believe there’s a direct relationship between a high or low credit score and the likelihood of a policyholder needing a payout. That’s because people with excellent or good credit scores tend to file fewer claims than people with poor credit scores.
The chart below shows the cost of insurance by credit score for drivers in Chesapeake, Virginia.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Chesapeake car insurance FAQs
If you’re shopping for car insurance in Chesapeake, Virginia, this additional information may help as you research your coverage options.
How much is car insurance in Chesapeake?
Car insurance in Chesapeake costs an average of $105 per month for liability-only coverage and $171 per month for full coverage, according to Insurify data.
Which companies have the cheapest car insurance in Chesapeake?
Auto-Owners has the cheapest car insurance in Chesapeake, with a monthly liability-only rate of $39. State Farm and GEICO also offer affordable liability coverage, with monthly rates of $40 and $55, respectively.
The cheapest insurer for you will depend on multiple factors, including your age, ZIP code, driving history, and the type of car you drive.
What are the best car insurance companies in Chesapeake?
With high J.D. Power customer satisfaction ratings, a high Insurify Quality (IQ) Score, and a superior financial strength rating from AM Best, State Farm is one of the best car insurance companies in Chesapeake.
Other top insurers to consider include Auto-Owners and GEICO.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Virginia
Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Virginia Mercury. "Hampton Roads again leads Virginia metro areas in vehicle crashes."
- Virginia Department of Motor Vehicles. "2022 Virginia Traffic Crash Facts."
- U.S. Census Bureau. "Quick Facts Chesapeake City, Virginia."
- Insurance Information Institute. "How to save money on car insurance."
- Virginia Department of Motor Vehicles. "Insurance Requirements."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
- Virginia State Corporation Commission Bureau of Insurance. "Insurance Credit Scoring."
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Christy Rakoczy
Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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