What's the Average Cost of Car Insurance in Chesapeake?
With premiums within $44 of the state average, Chesapeake has rates that are relatively equivalent to the state. We've analyzed how auto insurance rates in Chesapeake compare to premiums nationwide.
AUTO INSURANCE RATES: CHESAPEAKE VS. US/STATE MEAN
|City Average||State Average||National Average|
Chesapeake Car Insurance by Credit Rating
The disparity between average car insurance premiums in Chesapeake for individuals with Exceptional credit (800-850) and Very Poor credit (300-579) is $951/year. In terms of percent change, the most notable benefit of better credit comes from improving from Very Poor (300-579) to Fair (580-669), by which drivers can save around 38% per year.
CHESAPEAKE AUTO INSURANCE RATES BY CREDIT TIER
|Credit||Average Auto Insurance Rate|
Chesapeake Car Insurance by Gender and Marital Status
Marital status as well as gender have an effect on your car insurance premiums in Chesapeake. Believe it or not, marital status has a substantial impact on premiums. You can save $97 per year if you're married as opposed to single or divorced. Rates for those who are widowed are also way cheaper than rates for those who are single. Premiums for men and women tend to differ a bit, with men paying less.
CHESAPEAKE AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Chesapeake Car Insurance Costs by Age
When drivers hit their 20s in Chesapeake, therefore moving out of the teenage age range, they save an average of 61% on car insurance. You won't see a more significant difference between any other age group. Turning 60 causes a rise in insurance rates, but up until that point drivers can anticipate premium reductions when they progress between age groups. When you look across all age groups, drivers in their 50s have the smallest car insurance premiums. Their rates typically average $823 per year. However, those in their 60s ($864) have premiums that aren't much higher. Teenage drivers are the ones who pay the most in car insurance premiums, with rates of $3,418 on average.
CHESAPEAKE AUTO INSURANCE RATES BY DRIVER AGE
Chesapeake Car Insurance for Drivers With At-Fault Accidents or Violations
A history of accidents and violations can cost you in terms of car insurance rates. Speeding 16-20mph above the speed limit can cost you in terms of insuring your vehicle. People with a speeding ticket on their record spend, on average, 19% more per year. In Chesapeake, drivers with a DUI need to spend $625 more than the city average to insure their vehicle. Reckless driving will push your premiums up as well, with average rates of $1,278. That is 34% higher than the city average.
AVERAGE CHESAPEAKE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Mean Rate|
|At-fault Accident (damages less than $1,000)||$1,293|
|At-fault Accident (damages greater than $2,000)||$1,459|
|Speeding Ticket (16-20 mph over speed limit)||$1,133|
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. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Chesapeake Agents
Bankers Ins Heritage Bank & Trust - Norfolk
4815 Colley Ave Norfolk, VA 23508
Compass Insurance Solutions LLC
201 E City Hall Ave #700 Norfolk, VA 23510
1149 Cedar Point Dr Virginia Beach, VA 23451
Goosehead Ins Agcy LLC
222 Central Park Ave Ste 1810 Virginia Beach, VA 23462
PointAbove Ins Grp LLC
1055 Laskin Road, Suite 301 VIRGINIA BEACH, VA 23451
Toby Leffel Insurance Agency
921 First Colonial Road Virginia Beach, VA 23454
Turner Insurance Group LLC
1545 Crossways Blvd Chesapeake, VA 23320
S L Nusbaum Insurance Agency, Inc.
500 West 21st Street Norfolk, VA 23517
Brown & Brown - Norfolk Division
500 East Main Street Suite 600 Norfolk, VA 23510
Campbell & Associates Insurance Agency, Inc.
1092 Laskin Rd Ste 106 Virginia Beach, VA 23451
Marsh & McLennan Agcy LLC
1080 Laskin Rd #204 Virginia Beach, VA 23451
London & Norfolk Ltd
999 Waterside Dr #2500 Norfolk, VA 23510
Security Insurance Agency Inc
333 W Freemason St #100 Norfolk, VA 23510
E L Creech & Co Inc
2600 Barrett St Virginia Beach, VA 23452
USI Insurance Services
101 W Main St Ste 900 Norfolk, VA 23510
Towne Insurance Agency LLC
301 Bendix Rd Virginia Beach, VA 23452
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
Chesapeake Car Insurance
Jul 28, 2017
Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...
Jun 09, 2017
Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...
May 19, 2017
You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...
Apr 03, 2017
A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...
Mar 16, 2017
While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...
Mar 12, 2017
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
Jan 30, 2017
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
Jan 27, 2017
If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...
Dec 20, 2016
The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...
Dec 13, 2016
Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...
Nov 08, 2016
If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...
Nov 02, 2016
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
Sep 23, 2016
In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...
Aug 22, 2016
Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...
Aug 02, 2016
Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...
Aug 02, 2016
Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...
May 03, 2016
Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...