What drives up car insurance rates in Chesapeake?
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
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
Car Insurance Companies in Chesapeake
Find Local Chesapeake Agents
Towne Insurance Agency LLC
301 Bendix Rd Virginia Beach, VA 23452
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
S L Nusbaum Insurance Agency, Inc.
500 West 21st Street Norfolk, VA 23517
Turner Insurance Group LLC
1545 Crossways Blvd Chesapeake, VA 23320
Brown & Brown - Norfolk Division
500 East Main Street Suite 600 Norfolk, VA 23510
London & Norfolk Ltd
999 Waterside Dr #2500 Norfolk, VA 23510
Security Insurance Agency Inc
333 W Freemason St #100 Norfolk, VA 23510
Compass Insurance Solutions LLC
201 E City Hall Ave #700 Norfolk, VA 23510
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
E L Creech & Co Inc
2600 Barrett St 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
1149 Cedar Point Dr Virginia Beach, VA 23451
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Chesapeake Car Insurance
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