Chesapeake, VA Car Insurance

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
$1,040	$1,005	$1,548

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• Provider
• Age
• Gender
• Driving record
• Credit score

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
USAA	$894
Erie	$929
Progressive	$968
State Farm	$978
Nationwide	$1,060

Check out our guide to learn how to find the best cheap car insurance.

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
Teenagers	$3,897
20s	$1,433
30s	$1,017
40s	$969
50s	$891
60s	$935
70s	$1,198

Learn more about the impact of age on auto insurance rates.

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
Female	$1,044
Male	$1,040
Single	$910
Married	$910
Divorced	$1,040
Widowed	$912

Learn more about how gender and marital status have on car insurance rates.

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
DUI/DWI	$1,610
Reckless Driving	$1,457
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

Learn more about the impact of driving violations on car insurance rates.

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
Very Poor	$2,045
Fair	$1,229
Good	$1,040
Very Good	$945
Exceptional	$874

Learn more about the relationship between poor credit and car insurance.

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