How Much Does Auto Insurance Cost in Chesapeake?


With premiums within $30 of the state average, Chesapeake has rates that are fairly equivalent to the state. Let's compare car insurance costs in Chesapeake versus premiums across the nation.


INSURANCE RATES: CHESAPEAKE VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$931$901$1,427


Chesapeake Auto Insurance by Driver Age

Teenage drivers are the ones who pay the most in car insurance premiums, with average rates of $3,512. The largest decline in premiums for Chesapeake drivers happens when they hit their 20s. Once out of the teenage age bracket, they reduce their premiums by $2,211. In Chesapeake, turning 60 means an increase in insurance rates. Up until then, moving between age groups means decreasing prices. Among all age groups, drivers in their 50s have the smallest car insurance payments, with rates of $804/year.


CHESAPEAKE CAR INSURANCE PREMIUMS BY DRIVER AGE
AgeAverage Rate
Teenagers$3,512
20s$1,301
30s$912
40s$874
50s$804
60s$845
70s$1,093


Chesapeake Car Insurance by Marital Status and Gender


In Chesapeake, both marital status and gender contribute to your auto insurance rates. Believe it or not, marital status has a substantial impact on premiums. Being married, as opposed to single, can save you $90 per year on car insurance. Rates for those who are widowed are also strikingly cheaper than rates for those who are single. Females have premiums that are more pricey than those for males, but only by a narrow margin.


CHESAPEAKE CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$935
Male$931
Single$931
Married$841
Divorced$931
Widowed$877


Chesapeake Car Insurance by Credit Rating


Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you an average of $818 each year on car insurance. Moving from Very Poor (300-579) to Fair (580-669) results in the greatest drop in premiums, as drivers save nearly $296 per year.


CHESAPEAKE AUTO INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage Car Insurance Rate
Very Poor$1,673
Fair$1,377
Good$1,152
Very Good$975
Exceptional$855


Chesapeake Car Insurance With Accidents or Violations


Do you know by how much an at-fault accident or violation can raise your car insurance rates? Drivers with a DUI in Chesapeake have rates that surpass the city average ($931) by $398. Reckless driving will drive your rates up as well, with average rates of $1,624! No one plans on being in an accident, but things happen, so be aware of how your rates can change following one. Being at-fault in an accident can cost drivers an extra 52% per year to insure your vehicle in Chesapeake.


AVERAGE CHESAPEAKE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or ViolationAverage Rate
DUI$1,329
Reckless Driving$1,624
At-fault Accident (damages less than $1,000)$1,411
At-fault Accident (damages greater than $2,000)$1,411
Speeding Ticket (16-20 mph over speed limit)$1,105


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

Campbell & Associates Insurance Agency, Inc.

1092 Laskin Rd Ste 106 Virginia Beach, VA 23451

Bankers Ins Heritage Bank & Trust - Norfolk

4815 Colley Ave Norfolk, VA 23508

London & Norfolk Ltd

999 Waterside Dr #2500 Norfolk, VA 23510

S L Nusbaum Insurance Agency, Inc.

500 West 21st Street Norfolk, VA 23517

E L Creech & Co Inc

2600 Barrett St Virginia Beach, VA 23452

USI Insurance Services

101 W Main St Ste 900 Norfolk, VA 23510

Security Insurance Agency Inc

333 W Freemason St #100 Norfolk, VA 23510

Towne Insurance Agency LLC

301 Bendix Rd Virginia Beach, VA 23452

Brown & Brown - Norfolk Division

500 East Main Street Suite 600 Norfolk, VA 23510

Goosehead Ins Agcy LLC

222 Central Park Ave Ste 1810 Virginia Beach, VA 23462

Compass Insurance Solutions LLC

201 E City Hall Ave #700 Norfolk, VA 23510

Toby Leffel Insurance Agency

921 First Colonial Road Virginia Beach, VA 23454

Tuck Finley

1149 Cedar Point Dr Virginia Beach, VA 23451

PointAbove Ins Grp LLC

1055 Laskin Road, Suite 301 VIRGINIA BEACH, VA 23451

Marsh & McLennan Agcy LLC

1080 Laskin Rd #204 Virginia Beach, VA 23451

Turner Insurance Group LLC

1545 Crossways Blvd Chesapeake, VA 23320

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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