Car Insurance in Chesapeake

Premiums in Chesapeake are relatively consistent with Virginia's rates, as its premiums are within $30 of the state average. Keep some money in your pocket by following the tips below about how to save on car insurance in Chesapeake.

  • City Average: $931
  • State Average: $901
  • National Average: $1,427

Chesapeake Car Insurance by Credit Rating

The difference between average car insurance premiums in Chesapeake for those with Very Poor credit (300-579) and Exceptional credit (800-850) is $818 per year. Drivers can save around 18% per year when they raise their credit tier from Very Poor (300-579) to Fair (580-669).

  • Very Poor: $1,673
  • Fair: $1,377
  • Good: $1,152
  • Very Good: $975
  • Exceptional: $855

Chesapeake Car Insurance by Accident or Violation History

Possessing a spotless driving record is vital if you want to keep the expense of premiums minimal. Drivers with a DUI in Chesapeake have rates $398 higher than the city average of $931. Reckless driving will also bump your premiums up, with typical rates of $1,624! $480 is, on average, the additional cost for car insurance in Chesapeake if you have an at-fault accident on your driving record.

  • DUI: $1,329
  • Reckless Driving: $1,624
  • At-fault Accident (damages less than $1000): $1,411
  • At-fault Accident (damages greater than $2000): $1,411
  • Speeding Ticket (16-20 mph over speed limit): $1,105

Chesapeake Car Insurance by Gender and Marital Status

Car insurance premiums in Chesapeake differ depending on driver attributes such as gender and marital status. Believe it or not, marital status has a substantial impact on premiums. Being married can save you roughly 10% per year compared to being single or divorced. Rates for those who are widowed are also much cheaper than rates for those who are single. Unfortunately for women, their premiums tend to be a bit more costly than for men.

  • Female: $935
  • Male: $931
  • Single: $931
  • Married: $841
  • Divorced: $931
  • Widowed: $877

Chesapeake Car Insurance by Age

Car insurance premiums are highest for teenage drivers, with average payments of $3,512 per year. When drivers reach their 20s in Chesapeake, therefore moving out of the teenage age range, they save an average of 63%. It is the largest gap between any age group. When drivers turn 60, they will experience a car insurance premium increase related to their age for the first time. When you look across all age groups, drivers in their 50s tend to have the lowest payments. Their rates normally average $804.

  • Teenagers: $3,512
  • 20s: $1,301
  • 30s: $912
  • 40s: $874
  • 50s: $804
  • 60s: $845
  • 70s: $1,093

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.

102

Rainy Days a Year

48"

Avg. Annual Rainfall

7"

Avg. Annual Snowfall

Be Prepared For

Driving in Chesapeake

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

Find Local Chesapeake Agents

E L Creech & Co Inc

2600 Barrett St Virginia Beach, VA 23452

Towne Insurance Agency LLC

301 Bendix Rd Virginia Beach, VA 23452

Goosehead Ins Agcy LLC

222 Central Park Ave Ste 1810 Virginia Beach, VA 23462

USI Insurance Services

101 W Main St Ste 900 Norfolk, VA 23510

Toby Leffel Insurance Agency

921 First Colonial Road Virginia Beach, VA 23454

London & Norfolk Ltd

999 Waterside Dr #2500 Norfolk, VA 23510

Compass Insurance Solutions LLC

201 E City Hall Ave #700 Norfolk, VA 23510

Turner Insurance Group LLC

1545 Crossways Blvd Chesapeake, VA 23320

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

Bankers Ins Heritage Bank & Trust - Norfolk

4815 Colley Ave Norfolk, VA 23508

Tuck Finley

1149 Cedar Point Dr Virginia Beach, VA 23451

S L Nusbaum Insurance Agency, Inc.

500 West 21st Street Norfolk, VA 23517

Marsh & McLennan Agcy LLC

1080 Laskin Rd #204 Virginia Beach, VA 23451

Brown & Brown - Norfolk Division

500 East Main Street Suite 600 Norfolk, VA 23510

Security Insurance Agency Inc

333 W Freemason St #100 Norfolk, VA 23510

See All

Not sure about Chesapeake

Check out these other Virginia cities...

Virginia Beach

Norfolk

Richmond

$930

The average Chesapeake resident's annual cost of coverage

40%

Our customer's average savings after comparing insurance

149

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

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Chesapeake Car Insurance

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