Cheapest Auto Insurance in Chesapeake, Virginia (2026)
Auto-Owners offers the cheapest car insurance in Chesapeake, with minimum-coverage policies as low as $60 per month.
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Written byChristy Rakoczy
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Christy RakoczyInsurance and Personal Finance Freelance Writer
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JD, Law from University of California, Los Angeles
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Ashley CoxSenior Managing Editor
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
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In Chesapeake, Virginia, the average monthly cost of auto insurance is $174. This is higher than the statewide average of $160 but lower than national average of $142.
Chesapeake is less walkable and has fewer options for public transportation than many other areas in Virginia, which may contribute to its higher car insurance rates.
However, Chesapeake residents still have options for affordable policies. It’s important to compare multiple insurers so you can find the one that’s best for your individual needs.
Quick Facts
Chesapeake drivers pay an average of $129 per month for liability-only coverage and $218 per month for full coverage.
Auto-Owners, State Farm, and USAA are the cheapest car insurance companies in Chesapeake.
Full-coverage car insurance policies cost Chesapeake drivers an average of $2,616 per year.
3 of the cheapest car insurance companies in Chesapeake
Insurance companies price policies based on many factors, including driver demographics such as marital status and age. The type of vehicle and where you keep it can also affect costs.[1] Because so many factors affect premiums, every Chesapeake driver should get individual quotes to find the most affordable coverage.
Auto-Owners, State Farm, and GEICO are three inexpensive options that may be the right choice for many Chesapeake residents looking for cheap auto insurance. Check out the table below to learn more about these companies.
Insurance Company | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best for |
|---|---|---|---|---|
| Auto-Owners | 8.2 | $99 | $55 | Liability-only coverage |
| State Farm | 9.3 | $101 | $56 | Drivers with an accident |
| GEICO | 9.2 | $101 | $103 | Military members and veterans |
Disclaimer: Table data sourced from real-time Chesapeake car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Chesapeake may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for liability-only coverage: Auto-Owners
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $60/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $108/mo |
4.3
Best choice in Chesapeake, VABased on 357 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Based on analysis of verified reviews collected by Insurify
Best in Chesapeake for
Showing recent national reviewsSee all 155 Auto-Owners reviews
Verified Review
Reviewed in North Carolina on August 1, 2026
Very easy to deal with.
Verified Review
Reviewed in Florida on July 30, 2026
Good. I never had to file a claim.
Verified Review
Reviewed in South Carolina on July 24, 2026
It’s expensive, but claims are handled quickly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Since Chesapeake is located within the Hampton Roads region — which recorded the highest rate of vehicle crashes in Virginia in 2022 — it’s important to have liability insurance.[2] Auto-Owners charges the lowest rates in Virginia for liability-only policies. This coverage pays for losses caused to others but not damage to a policyholder’s vehicle.
In addition to auto insurance, Auto-Owners offers homeowners insurance, renters insurance, pet insurance, life insurance, and more.
Pros
A+ rating from the Better Business Bureau (BBB)
Fewer complaints than average, according to the National Association of Insurance Commissioners (NAIC)
Cons
Not available in every state
Quotes only available via agents
Best insurer for drivers with an accident: State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $61/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $110/mo |
4.1
Best choice in Chesapeake, VABased on 20,303 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best in Chesapeake for
Showing 41 Virginia reviews for Chesapeake driversSee all 7,943 State Farm reviews
Verified Review
Reviewed in Virginia on July 12, 2026
I got over $400 off my previous policy. It’s worth talking to them, really.
Verified Review
Reviewed in Virginia on June 27, 2026
The rates go up every 6 months. We have gone 10 years with no claims.
Verified Review
Reviewed in Virginia on May 21, 2026
At the time of acquiring car insurance when I first moved to VA 2 years ago, they had the best price. They are very prompt in replying to any inquiries.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
652
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
For motorists involved in the 2,571 collisions in Chesapeake in 2022, State Farm may be a good choice for auto insurance.[3] State Farm offers some of the most affordable rates for Virginia drivers with an accident on their record. In fact, the insurer’s premiums after an at-fault claim come in at less than half of what some competitors charge.
Pros
Above-average J.D. Power customer satisfaction rating in the Mid-Atlantic region
Network of 19,000 agents provides in-person support, but quotes also available online
Cons
Gap insurance not available
Not as many discounts as some competitors
Best insurer for military members and veterans: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $112/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $186/mo |
4.0
Best choice in Chesapeake, VABased on 20,015 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best in Chesapeake for
Showing 40 Virginia reviews for Chesapeake driversSee all 8,049 GEICO reviews
Verified Review
Reviewed in Virginia on July 29, 2026
The cost of insuring a vehicle with GEICO, even if you’ve never had an accident and haven’t made a claim after 53 years of driving, is outrageously high. GEICO is very expensive.
Verified Review
Reviewed in Virginia on July 28, 2026
They’re better than most. I’m just trying to save a little more money, but they’re very reasonable.
Verified Review
Reviewed in Virginia on July 26, 2026
The price of my policy increased between the time I got off the phone and the time the bill came. The reason cited was my credit score, which is a little strange because my score is 815/850 and I hover around 800 most months. Additionally, their website won’t let me see my homeowners insurance coverage, which is the one that mysteriously increased.
Overall, it’s been a very expensive service, with low clarity and broken web tools for understanding what is covered, when, and why.
I’m currently considering other options.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
647
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Chesapeake is home to more than 28,000 veterans, as well as many military members in its rural southern area, where the NSA Northwest Annex is located.[4] Active-duty and retired military qualify for special discounts from GEICO, making it a top choice for people in the service.
Pros
A+ rating from the BBB
Competitive rates and numerous available discounts
Cons
Below-average J.D. Power customer satisfaction rating in the Mid-Atlantic region
Rideshare insurance and gap insurance not available
How to get the cheapest car insurance in Chesapeake
Insurance companies price policies based on risk. If you’re a safe driver, they’ll charge you less for insurance coverage. Many different factors affect how risky it is to insure you, including your age, marital status, type of vehicle you drive, and where you live.
You can also do some things to maximize your chances of getting cheap car insurance in Chesapeake. Some of the best ways to reduce auto insurance premiums include the following:[5]
Shop around and obtain quotes from many insurers.
Ask questions of insurance companies about discounts that may be available, such as for employment with certain companies.
Bundle coverage to take advantage of multi-policy discounts, including by buying homeowners insurance or life insurance from the same insurer.
Avoid accidents to earn good driver discounts and appear less risky to insurers.
Find Cheap Car Insurance in Chesapeake, Virginia
Liability-only quotes start at $60 per month
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Cheapest liability-only car insurance in Chesapeake: Auto-Owners
Liability-only car insurance only covers harm you cause to others. It doesn’t pay for any damages to your own vehicle. It’s usually much less expensive for customers to buy liability-only coverage rather than a full-coverage policy. But you take a big risk by going without coverage for your car.
Liability-only coverage costs an average of $129 per month in Chesapeake. The table below shows some of the most affordable insurers for drivers who want minimum coverage at lower rates.
The below rates in Chesapeake, VA, are estimated rates current as of: Tuesday, August 4 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $60 |
| State Farm | $61 |
| USAA | $82 |
| Chubb | $90 |
| CSAA | $90 |
| Mercury | $94 |
| Erie | $95 |
| Elephant | $96 |
| GEICO | $112 |
| National General | $113 |
| Bristol West | $116 |
| Progressive | $116 |
| Direct Auto | $125 |
| GAINSCO | $125 |
| Allstate | $128 |
| Safeco | $128 |
| AssuranceAmerica | $144 |
| Insurify Car | $148 |
| Liberty Mutual | $151 |
| Trexis | $152 |
| Dairyland | $154 |
| Root | $160 |
| The General | $161 |
| Travelers | $173 |
| Trexis One | $173 |
| Clearcover | $176 |
| Hugo | $192 |
Disclaimer: Table data sourced from real-time Chesapeake car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Chesapeake may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Chesapeake: Auto-Owners
Full-coverage car insurance includes liability insurance. But it also adds other kinds of insurance that protect your personal property. Collision and comprehensive coverage will pay if you crash your car or something else goes wrong, such as theft or damage due to vandalism.
Full-coverage auto insurance costs $218 per month in Chesapeake, on average. The table below shows some of the most affordable Chesapeake insurers offering full-coverage policies.
The below rates in Chesapeake, VA, are estimated rates current as of: Tuesday, August 4 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $108 |
| State Farm | $110 |
| CSAA | $145 |
| Elephant | $146 |
| USAA | $148 |
| Progressive | $158 |
| Chubb | $161 |
| Erie | $169 |
| Mercury | $170 |
| GEICO | $186 |
| Safeco | $194 |
| Bristol West | $199 |
| National General | $210 |
| Liberty Mutual | $214 |
| Direct Auto | $223 |
| Allstate | $231 |
| Root | $241 |
| AssuranceAmerica | $243 |
| GAINSCO | $271 |
| Trexis | $288 |
| Travelers | $308 |
| The General | $347 |
| Clearcover | $349 |
| Dairyland | $365 |
| Trexis One | $374 |
Disclaimer: Table data sourced from real-time Chesapeake car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Chesapeake may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Chesapeake, Virginia drivers
Recent Chesapeake, Virginia car insurance prices for Ford, Hyundai, Honda, and more.
*Quotes generated for Insurify users in and around Chesapeake, Virginia within the last 10 days. Last updated on August 6, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 6, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Chesapeake, Virginia within the last 10 days. Last updated on August 6, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 6, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Virginia
As of July 1, Virginia will no longer allow commonwealth drivers to pay a $500 Uninsured Motor Vehicle fee and forgo insurance. As of that date, Virginia’s registration laws will change to require all drivers who want to register a vehicle in the commonwealth to buy at least the minimum required amount of liability coverage.
Virginia is also changing the minimum amount of car insurance required, with modifications to the law going into effect on Jan. 1, 2025. The table below shows the current and future minimum required coverage:[6]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability |
|
| Property damage liability |
|
In addition to the minimum required coverage, many other types of optional coverage are also available in Chesapeake, including the following:
Collision coverage
Collision insurance pays for damages to your vehicle caused by a crash.
Comprehensive coverage
Comprehensive insurance covers damages to your vehicle not caused by a crash but by theft, vandalism, or other non-collision causes.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for damages caused by drivers without sufficient insurance.
Medical payments coverage
Medical payments coverage pays for medical bills and lost wages to policyholders and their passengers after a crash.
Cheapest car insurance for drivers with an incident
If drivers have certain incidents on their record, insurers charge them more for an auto policy because they present a greater risk. Examples of incidents that can result in an increase in premiums include speeding tickets, driving under the influence (DUI), and at-fault accidents. Insurers view these and other moving violations as increasing the likelihood of a collision leading to an insurance claim.
For example, full-coverage car insurance in Chesapeake costs an average of $268 per month for drivers with speeding tickets, while drivers with DUIs on their records face an average monthly cost of $273 for full coverage.
Some insurers penalize drivers with incidents more than others, so it’s a good idea to shop for the best price. The table below shows some of the cheapest insurers for motorists with imperfect driving records.
The below rates in Chesapeake, VA, are estimated rates current as of: Tuesday, August 4 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| State Farm | $61 | $77 | $81 | $82 |
| Auto-Owners | $60 | $77 | $79 | $77 |
| USAA | $82 | $105 | $110 | $110 |
| Chubb | $90 | $114 | $120 | $121 |
| Elephant | $96 | $116 | $125 | $129 |
| CSAA | $90 | $117 | $127 | $121 |
| Erie | $95 | $124 | $127 | $128 |
| Mercury | $94 | $129 | $140 | $135 |
| National General | $113 | $140 | $150 | $152 |
| Progressive | $116 | $143 | $152 | $145 |
| Bristol West | $116 | $145 | $153 | $156 |
| GEICO | $112 | $145 | $147 | $150 |
| GAINSCO | $125 | $149 | $159 | $168 |
| Direct Auto | $125 | $156 | $170 | $168 |
| Allstate | $128 | $165 | $171 | $172 |
| Safeco | $128 | $167 | $178 | $190 |
| AssuranceAmerica | $144 | $182 | $190 | $194 |
| Insurify Car | $148 | $182 | $194 | $185 |
| Trexis | $152 | $187 | $199 | $190 |
| Root | $160 | $189 | $201 | $216 |
| Dairyland | $154 | $189 | $202 | $207 |
| Liberty Mutual | $151 | $191 | $200 | $203 |
| Trexis One | $173 | $213 | $227 | $217 |
| The General | $161 | $214 | $221 | $210 |
| Travelers | $173 | $222 | $233 | $233 |
| Clearcover | $176 | $222 | $249 | $228 |
| Hugo | $192 | $236 | $252 | $241 |
Disclaimer: Table data sourced from real-time Chesapeake car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Chesapeake may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Age affects auto insurance premiums. Teen drivers have a higher likelihood of crashes because of inexperience and immaturity, which means premiums are high for young motorists.[7]
Costs decline around age 35 before going up again for seniors around age 70. Seniors also pay more, as information on crash risks shows older adults present an increased risk of aging-related cognitive or mobility issues.[8]
The table below shows the average cost of car insurance by age in Chesapeake:
Age | Average Monthly Quote |
|---|---|
| Teens | $290 |
| 20s | $200 |
| 30s | $148 |
| 40s | $135 |
| 50s | $121 |
| 60s | $112 |
| 70s | $116 |
Disclaimer: Table data is based on real-time Chesapeake quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Shop for Car Insurance in Chesapeake, VA
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Chesapeake car insurance quotes by credit tier
Virginia allows insurance companies to consider credit history when setting auto insurance rates.[9] Insurance companies believe there’s a direct relationship between a high or low credit score and the likelihood of a policyholder needing a payout. That’s because people with excellent or good credit scores tend to file fewer claims than people with poor credit scores.
The chart below shows the cost of insurance by credit score for drivers in Chesapeake, Virginia.
Rates by Credit Tier
Category | Price |
|---|---|
| Excellent | $126 |
| Good | $149 |
| Fair | $164 |
| Poor | $236 |
Chesapeake car insurance FAQs
If you’re shopping for car insurance in Chesapeake, Virginia, this additional information may help as you research your coverage options.
How much is car insurance in Chesapeake?
Car insurance in Chesapeake costs an average of $129 per month for liability-only coverage and $218 per month for full coverage, according to Insurify data.
Which companies have the cheapest car insurance in Chesapeake?
Auto-Owners has the cheapest car insurance in Chesapeake, with a monthly liability-only rate of $60. State Farm and USAA also offer affordable liability coverage, with monthly rates of $61 and $82, respectively.
The cheapest insurer for you will depend on multiple factors, including your age, ZIP code, driving history, and the type of car you drive.
What are the best car insurance companies in Chesapeake?
With high J.D. Power customer satisfaction ratings, a high Insurify Quality (IQ) Score, and a superior financial strength rating from AM Best, State Farm is one of the best car insurance companies in Chesapeake.
Other top insurers to consider include Auto-Owners and GEICO.
Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Virginia Mercury. "Hampton Roads again leads Virginia metro areas in vehicle crashes."
- Virginia Department of Motor Vehicles. "2022 Virginia Traffic Crash Facts."
- U.S. Census Bureau. "Quick Facts Chesapeake City, Virginia."
- Insurance Information Institute. "How to save money on car insurance."
- Virginia Department of Motor Vehicles. "Insurance Requirements."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
- Virginia State Corporation Commission Bureau of Insurance. "Insurance Credit Scoring."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Cheapest Auto Insurance in Portsmouth, Virginia
With a monthly liability-only rate of $68, Auto-Owners is the cheapest car insurance company in Portsmouth.
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Cheapest Car Insurance Quotes in Reston, Virginia (August 2026)
Auto-Owners offers the cheapest rates in Reston, at an average of $56 per month. Deer are a real issue in Reston, with most deer collisions occurring during mating season, which runs from October to December.
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Cheapest Car Insurance Quotes in Richmond, Virginia (August 2026)
Richmond drivers can find the cheapest car insurance rates from Auto-Owners, averaging $68 per month for liability coverage. The city sees heavy congestion downtown where I-95 and I-64 converge, which can influence insurance rates in Richmond.
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Cheapest Auto Insurance in Roanoke, Virginia
Roanoke drivers can find the cheapest car insurance rates from Auto-Owners. The insurer’s liability-only rates start at just $48 per month.
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Cheapest Car Insurance Quotes in Virginia Beach (August 2026)
Auto-Owners offers the cheapest car insurance in Virginia Beach, with rates averaging $57 per month. Located along the Atlantic Coast, Virginia Beach faces flood and storm-surge risk, which affects what drivers pay for coverage.
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Cheapest Auto Insurance in Woodbridge, Virginia
Auto-Owners offers the cheapest car insurance in Woodbridge, with minimum-coverage policies as low as $66 per month.
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Christy RakoczyInsurance and Personal Finance Freelance Writer
17+ years in personal finance and insurance writing
JD, Law from University of California, Los Angeles
Ashley CoxSenior Managing Editor
7+ years in content creation and management
5+ years in insurance and personal finance content
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