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 AverageNational Average
$1,040$1,005$1,548

Jump to:

Or compare quotes from top insurance companies today:

Location pin icon
No spam. We take your privacy seriously.


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
CompanyAverage 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 groupAverage 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 StatusAverage 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
IncidentAverage 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 TierAverage 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

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.

102

Rainy Days a Year

48"

Avg. Annual Rainfall

7"

Avg. Annual Snowfall

Be Prepared For

Driving in Chesapeake

2
Major Highways
U.S. 13 U.S. 17 U.S. 58
2
Public Transit
HRT Bus
2
Toll Roads
Chesapeake Expressway

Find Local Chesapeake Agents

Turner Insurance Group LLC

1545 Crossways Blvd Ste 250, Chesapeake, VA 23320

E L Creech & Co Inc

2600 Barrett St, Virginia Beach, VA 23452

London & Norfolk Ltd

999 Waterside Dr #2500, Norfolk, VA 23510

Campbell & Associates Insurance Agency, Inc.

1092 Laskin Rd Ste 106, Virginia Beach, VA 23451

PointAbove Ins Grp LLC

1055 Laskin Road, Suite 301, VIRGINIA BEACH, VA 23451

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

Security Insurance Agency Inc

333 W Freemason St #100, Norfolk, VA 23510

S L Nusbaum Insurance Agency, Inc.

500 West 21st Street #300, Norfolk, VA 23517

Towne Insurance Agency LLC

301 Bendix Rd Ste. 300, Virginia Beach, VA 23452

Tuck Finley

1149 Cedar Point Dr, Virginia Beach, VA 23451

Goosehead Ins Agcy LLC

222 Central Park Ave Ste 1810, Virginia Beach, VA 23462

Marsh & McLennan Agcy LLC

1080 Laskin Rd #204, Virginia Beach, VA 23451

USI Insurance Services

101 W Main St Ste 900, Norfolk, VA 23510

Compass Insurance Solutions LLC

201 E City Hall Ave #700, Norfolk, VA 23510

Toby Leffel Insurance Agency

921 First Colonial Road Suite 1703, Virginia Beach, VA 23454

Not sure about Chesapeake

Check out these other Virginia cities:

Richmond

Norfolk

Virginia Beach

2

$930

The average Chesapeake resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

149

That's equal to 149 cups of coffee or $372 in savings

See How Much You Can Save in Chesapeake

Just enter your ZIP code to get started

or
Location pin icon
No junk mail. No phone number. Free quotes.