How much does car insurance cost in Chesapeake?
The typical Chesapeake driver pays $1,040 per year for auto insurance. That's more than the average in Virginia ($1,005) and cheaper than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Chesapeake.
AUTO INSURANCE COSTS: CHESAPEAKE VS. STATE AND US AVERAGES
|Chesapeake Average (yearly)||Virginia Average||National Average|
Or compare quotes from top insurance companies today:
Chesapeake auto insurance premiums by company
The difference in auto insurance rates from company to company can be substantial. For a typical driver, USAA offers Chesapeake's most affordable premiums. We've gathered the best cheap car insurance companies in Chesapeake below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.
CHESAPEAKE AUTO INSURANCE RATES BY COMPANY
|Company||Average Annual Rate|
Chesapeake car insurance premiums by age
The age bracket that pays the least for auto insurance in Chesapeake consists of drivers in their 50s, who pay an average of $891. Drivers in their 60s pay marginally higher rates — $935 per year.
Teenage drivers pay Chesapeake's most expensive auto insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Chesapeake is to age out of your teenage years. In Chesapeake, teenage drivers pay $3,897 — a full $2,962 more than the second-most expensive rate paid by an age group.
CAR INSURANCE RATES BY AGE TIER IN CHESAPEAKE
|Age group||Average Annual Rate|
Chesapeake auto insurance premiums by gender and marital status
In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. Married drivers usually pay less for car insurance than their single counterparts. In Chesapeake, married motorists pay $131 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Chesapeake, insurance rates for those who are widowed are less expensive than rates for those who are single.
Gender is another factor that can influence auto insurance rates. In Chesapeake, female drivers pay $4 per year more than do male drivers.
INSURANCE RATES IN CHESAPEAKE BY MARITAL STATUS AND GENDER
|Gender/Marital Status||Average Annual Rate|
Chesapeake car insurance costs by violation history
If you want to keep your car insurance costs reasonable, keep your driving record clean. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Chesapeake drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $418 per year versus the city average. A ticket for speeding results in a $257 rate hike, on average, while a DUI violation costs $570per year in insurance premiums.
AVERAGE CHESAPEAKE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$1,461|
|At-fault Accident (damages greater than $2,000)||$1,639|
|Speeding Ticket (16-20 mph over speed limit)||$1,297|
Chesapeake auto insurance rates by credit level
It's no secret credit score is closely correlated with auto insurance rates. In fact, Chesapeake drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 57% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Chesapeake, improving your credit to "Fair" could help you earn an $816 decrease in annual car insurance rates.
CHESAPEAKE CAR INSURANCE RATES BY CREDIT LEVEL
|Credit Tier||Average Yearly Rate|
What drives up car insurance rates in Chesapeake?
Where you live in Chesapeake affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Chesapeake is no exception to the rule. From ZIP code 23320 to 23323, premiums rise by 3 percent—that’s $26.
Expensive Chesapeake ZIP codes: 23324, 23322, 23323
Cheap Chesapeake ZIP codes: 23320, 23321, 23325
Chesapeake Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, & decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Chesapeake, you can expect 102 rainy days with an annual rainfall of 48 inches. Chesapeake is also known to experience thunderstorms and occasional hurricanes.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in Chesapeake
Find Local Chesapeake Agents
E L Creech & Co Inc
2600 Barrett St, Virginia Beach, VA 23452
1149 Cedar Point Dr, Virginia Beach, VA 23451
Goosehead Ins Agcy LLC
222 Central Park Ave Ste 1810, Virginia Beach, VA 23462
Brown & Brown - Norfolk Division
500 East Main Street Suite 600, Norfolk, VA 23510
Bankers Ins Heritage Bank & Trust - Norfolk
4815 Colley Ave, Norfolk, VA 23508
USI Insurance Services
101 W Main St Ste 900, Norfolk, VA 23510
Towne Insurance Agency LLC
301 Bendix Rd Ste. 300, Virginia Beach, VA 23452
Marsh & McLennan Agcy LLC
1080 Laskin Rd #204, Virginia Beach, VA 23451
Compass Insurance Solutions LLC
201 E City Hall Ave #700, Norfolk, VA 23510
PointAbove Ins Grp LLC
1055 Laskin Road, Suite 301, VIRGINIA BEACH, VA 23451
London & Norfolk Ltd
999 Waterside Dr #2500, Norfolk, VA 23510
S L Nusbaum Insurance Agency, Inc.
500 West 21st Street #300, Norfolk, VA 23517
Turner Insurance Group LLC
1545 Crossways Blvd Ste 250, Chesapeake, VA 23320
Campbell & Associates Insurance Agency, Inc.
1092 Laskin Rd Ste 106, Virginia Beach, VA 23451
Toby Leffel Insurance Agency
921 First Colonial Road Suite 1703, Virginia Beach, VA 23454
Security Insurance Agency Inc
333 W Freemason St #100, Norfolk, VA 23510
The average Chesapeake resident's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Chesapeake
Just enter your ZIP code to get started