Hampton Car Insurance

The Zebra
May 30, 2018

Car Insurance in Hampton

With premiums within $45 of the state average, Hampton has rates that are relatively consistent with Virginia. Going over some tips about how to save on Hampton car insurance can save you money.

  • City Average: $946
  • State Average: $901
  • National Average: $1,427

Hampton Car Insurance by Accident or Violation History

Possessing an untarnished driving record is critical if you want to keep the cost of rates minimal. Reckless driving will increase your car insurance premiums more than other driving violations. $420 is the extra cost per year for drivers with a DUI in Hampton, compared to the city average of $946. Reckless driving will bump your premiums up as well, with average rates of $1,669! For individuals in Hampton with at-fault accidents, $488 is the amount by which annual insurance premiums can be expected to rise.

  • DUI: $1,366
  • Reckless Driving: $1,669
  • At-fault Accident (damages less than $1000): $1,434
  • At-fault Accident (damages greater than $2000): $1,434
  • Speeding Ticket (16-20 mph over speed limit): $1,125

Ready to start saving?

Hampton Car Insurance by Gender and Marital Status

Both marital status and gender can have an effect on your car insurance premiums in Hampton. However, males have premiums that are only a bit cheaper than those for females. Believe it or not, marital status has a substantial impact on premiums. You can save an average of 10% per year if you're married as opposed to single or divorced. Rates for those who are widowed are also significantly cheaper than rates for those who are single.

  • Female: $949
  • Male: $946
  • Single: $946
  • Married: $855
  • Divorced: $946
  • Widowed: $891

Hampton Car Insurance by Credit Rating

People with Very Poor credit (300-579) usually pay almost twice as much each year for car insurance than those with Exceptional credit (800-850). Drivers can save close to $301 per year when they boost their credit tier from Very Poor (300-579) to Fair (580-669).

  • Very Poor: $1,699
  • Fair: $1,398
  • Good: $1,170
  • Very Good: $991
  • Exceptional: $869

Hampton Car Insurance by Age

Teenage drivers are the ones who pay the most in car insurance premiums, with average payments of $3,537. Drivers in their 50s save money on insurance, as they have the lowest rates among all age groups, paying only $816 a year. The greatest decline in premiums for Hampton drivers happens when they reach their 20s. Once out of the teenage age range, individuals reduce their premiums by 63%. Rates continue to trend downward up until drivers turn 60.

  • Teenagers: $3,537
  • 20s: $1,320
  • 30s: $926
  • 40s: $887
  • 50s: $816
  • 60s: $857
  • 70s: $1,106

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