Hampton Car Insurance

What's the average car insurance rate in Hampton?


Car insurance coverage costs an average of $1,049 each year in Hampton. That's more expensive than the average in Virginia ($1,005) and cheaper than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Hampton.


AUTO INSURANCE COSTS: HAMPTON VS. STATE AND US AVERAGES
Hampton Average (yearly)Virginia AverageU.S. Average
$1,049$1,005$1,548

Skip to:

Compare rates instantly:

Location pin icon
No spam. We take your privacy seriously.


Hampton auto insurance rates by company


One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. In Hampton, Erie offers the cheapest rates for the average insurance customer. We've gathered the best cheap car insurance companies in Hampton below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.


HAMPTON CAR INSURANCE RATES BY COMPANY
Insurance CompanyAverage Annual Rate
Erie$906
USAA$929
Progressive$948
State Farm$989
Nationwide$1,138

Check out our guide to learn how to find the best cheap car insurance.



Hampton car insurance costs by age

The age group that enjoys the lowest auto insurance rates in Hampton are drivers in their age_50s, who pay an average of $898per year. Those in their age_60s don't pay significantly more ($940).

Teenage drivers pay Hampton's most expensive car insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in Hampton is to celebrate your 20th birthday. The difference in rates paid by teenage drivers and drivers in their 20s in Hampton is $2,450, the largest such difference between any two age groups.


CAR INSURANCE RATES BY AGE TIER IN HAMPTON
Age bracketAverage Annual Rate
Teenagers$3,892
20s$1,443
30s$1,025
40s$976
50s$898
60s$940
70s$1,201

Learn more about the impact of age on auto insurance rates.



Hampton auto insurance rates by gender and marital status


Marital status and gender can be contributors to car insurance rates, in some cases. Married drivers in Hampton pay $130 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. In Hampton, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can affect auto insurance rates. In Hampton, female drivers pay $2 per year more than do male drivers.


HAMPTON CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Yearly Rate
Female$1,051
Male$1,049
Single$919
Married$919
Divorced$1,049
Widowed$921

Learn more about how gender and marital status have on insurance rates.



Hampton auto insurance costs by accident and violation history


No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Two of the most costly citations to receive are DUI and reckless driving. Hampton drivers found guilty of reckless driving face insurance rate increases of $421 per year, compared to the citywide average. A DUI violation may lead to a $576 increase, while a citation for speeding leads to a $256 rate hike.


AVERAGE HAMPTON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Annual Rate
DUI/DWI$1,624
Reckless Driving$1,470
At-fault Accident (damages less than $1,000)$1,457
At-fault Accident (damages greater than $2,000)$1,642
Speeding Ticket (16-20 mph over speed limit)$1,304

Learn more about citations' impact on your auto insurance rates.



Hampton car insurance premiums by credit score


A driver's credit level can be closely correlated with their auto insurance rates. Hampton drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 57% on their auto insurance premiums. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Hampton, improving your credit to "Fair" corresponds with an $830 decrease in annual car insurance rates.


HAMPTON CAR INSURANCE RATES BY CREDIT TIER
Credit LevelAverage Rate (annual)
Very Poor$2,070
Fair$1,240
Good$1,049
Very Good$954
Exceptional$883

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.