The typical car insurance policy in Hampton costs $87 per month. Are you paying too much?
Car insurance coverage costs an average of $1,049 each year in Hampton. That's more expensive than the average in Virginia ($1,005) and cheaper than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Hampton.
|Hampton Average (yearly)||Virginia Average||U.S. Average|
One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. In Hampton, Erie offers the cheapest rates for the average insurance customer. We've gathered the best cheap car insurance companies in Hampton below.
You should use this list as a starting point: it's important to compare quotes specific to your unique driving profile.
Check out our guide to learn how to find the best cheap car insurance.
The age group that enjoys the lowest auto insurance rates in Hampton are drivers in their 50s, who pay an average of $898 per year. Those in their 60s don't pay significantly more ($940).
Teenage drivers pay Hampton's most expensive car insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in Hampton is to celebrate your 20th birthday. The difference in rates paid by teenage drivers and drivers in their 20s in Hampton is $2,450, the largest such difference between any two age groups.
|Age bracket||Average Annual Rate|
Marital status and gender can be contributors to car insurance rates, in some cases. Married drivers in Hampton pay $130 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. In Hampton, insurance rates for those who are widowed are less expensive than rates for those who are single.
Gender is another factor that can affect auto insurance rates. In Hampton, female drivers pay $2 per year more than do male drivers.
|Gender/Marital Status||Average Yearly Rate|
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Two of the most costly citations to receive are DUI and reckless driving. Hampton drivers found guilty of reckless driving face insurance rate increases of $421 per year, compared to the citywide average. A DUI violation may lead to a $576 increase, while a citation for speeding leads to a $256 rate hike.
|Violation/Incident||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$1,457|
|At-fault Accident (damages greater than $2,000)||$1,642|
|Speeding Ticket (16-20 mph over speed limit)||$1,304|
Learn more about citations' impact on your auto insurance rates.
A driver's credit level can be closely correlated with their auto insurance rates. Hampton drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 57% on their auto insurance premiums. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Hampton, improving your credit to "Fair" corresponds with an $830 decrease in annual car insurance rates.
|Credit Level||Average Rate (annual)|
Learn more about the relationship between credit score and insurance costs.