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 Average||State Average||National Average|
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
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/Gender||Average Rate|
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 Score||Average Car Insurance Rate|
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 Violation||Average Rate|
|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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in Chesapeake
Find Local Chesapeake Agents
London & Norfolk Ltd
999 Waterside Dr #2500 Norfolk, VA 23510
Turner Insurance Group LLC
1545 Crossways Blvd Chesapeake, VA 23320
Marsh & McLennan Agcy LLC
1080 Laskin Rd #204 Virginia Beach, VA 23451
Toby Leffel Insurance Agency
921 First Colonial Road Virginia Beach, VA 23454
S L Nusbaum Insurance Agency, Inc.
500 West 21st Street Norfolk, VA 23517
Goosehead Ins Agcy LLC
222 Central Park Ave Ste 1810 Virginia Beach, VA 23462
Bankers Ins Heritage Bank & Trust - Norfolk
4815 Colley Ave Norfolk, VA 23508
E L Creech & Co Inc
2600 Barrett St Virginia Beach, VA 23452
USI Insurance Services
101 W Main St Ste 900 Norfolk, VA 23510
Campbell & Associates Insurance Agency, Inc.
1092 Laskin Rd Ste 106 Virginia Beach, VA 23451
Brown & Brown - Norfolk Division
500 East Main Street Suite 600 Norfolk, VA 23510
PointAbove Ins Grp LLC
1055 Laskin Road, Suite 301 VIRGINIA BEACH, VA 23451
1149 Cedar Point Dr Virginia Beach, VA 23451
Compass Insurance Solutions LLC
201 E City Hall Ave #700 Norfolk, VA 23510
Towne Insurance Agency LLC
301 Bendix Rd Virginia Beach, VA 23452
Security Insurance Agency Inc
333 W Freemason St #100 Norfolk, VA 23510
The average Chesapeake resident's annual cost of coverage
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Chesapeake Car Insurance
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