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 AverageState AverageNational Average
$954$910$1,569


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
CreditAverage Auto Insurance Rate
Very Poor$1,809
Fair$1,126
Good$954
Very Good$898
Exceptional$858


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/GenderAverage Rate
Female$956
Male$954
Single$954
Married$858
Divorced$954
Widowed$858


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
AgeAverage Rate
Teenagers$3,418
20s$1,321
30s$934
40s$896
50s$823
60s$864
70s$1,096


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 ViolationMean Rate
DUI$1,579
Reckless Driving$1,278
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.

102

Rainy Days a Year

48"

Avg. Annual Rainfall

7"

Avg. Annual Snowfall

Be Prepared For

Driving in Chesapeake

2
Major Highways
U.S. 13 U.S. 17 U.S. 58
2
Public Transit
HRT Bus
2
Toll Roads
Chesapeake Expressway

Find Local Chesapeake Agents

Brown & Brown - Norfolk Division

500 East Main Street Suite 600 Norfolk, VA 23510

Bankers Ins Heritage Bank & Trust - Norfolk

4815 Colley Ave Norfolk, VA 23508

Goosehead Ins Agcy LLC

222 Central Park Ave Ste 1810 Virginia Beach, VA 23462

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

Towne Insurance Agency LLC

301 Bendix Rd Virginia Beach, VA 23452

Marsh & McLennan Agcy LLC

1080 Laskin Rd #204 Virginia Beach, VA 23451

Turner Insurance Group LLC

1545 Crossways Blvd Chesapeake, VA 23320

London & Norfolk Ltd

999 Waterside Dr #2500 Norfolk, VA 23510

E L Creech & Co Inc

2600 Barrett St Virginia Beach, VA 23452

Tuck Finley

1149 Cedar Point Dr Virginia Beach, VA 23451

PointAbove Ins Grp LLC

1055 Laskin Road, Suite 301 VIRGINIA BEACH, VA 23451

S L Nusbaum Insurance Agency, Inc.

500 West 21st Street Norfolk, VA 23517

Toby Leffel Insurance Agency

921 First Colonial Road Virginia Beach, VA 23454

Campbell & Associates Insurance Agency, Inc.

1092 Laskin Rd Ste 106 Virginia Beach, VA 23451

USI Insurance Services

101 W Main St Ste 900 Norfolk, VA 23510

Not sure about Chesapeake

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2

$930

The average Chesapeake resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

149

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

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