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The second most populated city in Virginia, Chesapeake is a bustling area near the coast. Close to 250,000 people live here, and since it’s filled with historic attractions that bring visitors from all around the nation, one can only imagine how busy its streets can become. Chesapeake contains a maze of freeways that can become jammed during rush hour, and during the winter, a snowstorm can create road problems quickly. It’s best to enroll in robust car insurance coverage here for your own peace of mind.
The average cost of Virginia car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Chesapeake, VA to find you the cheapest quotes in the area.
Here are the cheapest carriers in Chesapeake for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | |
|---|---|
 State Farm | $67/mo |
 American Family | $156/mo |
 The General | $228/mo |
| Best Companies | ||
|---|---|---|
 Nationwide | $177/mo | |
American Family | $179/mo | |
 Safeco | $152/mo | |
 Liberty Mutual | $201/mo | |
 Mercury | $214/mo |
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In Virginia, motorists are required to purchase liability insurance in the following minimum coverage limits:
Proof of insurance should be kept in the vehicle at all times. This can be in the form of an insurance card or policy declaration page. And while lawyers and police officers may disagree about whether carrying proof of insurance is a law, your best bet is to comply with the recommendations of the DMV.
In Chesapeake, young drivers cost more to insure than motorists in their 30s and beyond. The reason? Young drivers represent a higher amount of risk to car insurance companies. In turn, the car insurance companies manage this increased risk by charging the younger generation more. Teen drivers cost an average of $366 to insure, while the twentysomething crowd pays $244. Chesapeake rates top out at $212 for senior drivers in their 70s, who may also signal increased risk as they age.
| Driver's Age | |
|---|---|
| teens | $367 |
| 20s | $245 |
| 30s | $179 |
| 40s | $186 |
| 50s | $189 |
| 60s | $170 |
| 70s | $213 |
| 80s | $215 |
| Driving History | |
|---|---|
| No Violation | $196 |
| Speeding Ticket | $230 |
| At-Fault Accident | $257 |
| Failure to Stop for Red Light / Stop Sign | $239 |
In Chesapeake, adding an at-fault accident to your driving record can have a severe impact on your insurance premiums. While motorists with no offenses in Chesapeake pay an average of $195, an at-fault accident can raise your premiums 31 percent. That’s not all. Even if you don’t have an accident, participating in risky behavior sends your insurance company the message that you might someday make a claim. For this, they raise your rates as well. Have a speeding offense or a failure to stop on your record? You may be paying as much as $40 a month more than those who are better-behaved.
You may be pretty familiar with all the variables that go into setting car insurance rates. Your age, gender, and ZIP code are just a few. But did you know that companies also rely on your credit rating to make these financial decisions? If you aren’t already actively managing your credit score, you should be. The better your score, the lower your insurance rates can be. Chesapeake motorists with an excellent credit score can expect to pay an average of $228 in insurance premiums monthly.
| Credit Tie | |
|---|---|
| Excellent | $229 |
| Good | $213 |
| Average | $191 |
| Poor | $223 |
Chesapeake proper is home to one DMV office located just southeast of the city’s center. Open Monday through Friday from 8 a.m. to 5 p.m. and Saturday from 8 a.m. to noon, the office often has a large line of customers. Many have said that the employees here are friendly and knowledgeable, making the wait a little less frustrating. If you’d rather take a chance at another office, three locations are easily accessible in neighboring cities.
With so many people packed into a small area, you’d think that Chesapeake would have numerous public transportation options. However, this city’s main alternative to driving comes in the form of a bus system that navigates in and around the city. Some downtown areas are walkable, but if you have to commute to work, this may not be your best choice. Uber and Lyft are popular here if you need to travel outside the city.
Most residents of Chesapeake describe driving here as stressful ,as traffic seems to never stop and so many people live and drive within such a small area. It’s recommended that you familiarize yourself with the roadways and make sure you know how to drive in snow just in case you’re caught driving in a storm.
Car insurance does tend to be somewhat high in Chesapeake, but Insurify can help you find the best prices in your area. Whether you’re in need of full coverage or want to find a cheaper option, you can compare real-time quotes with ease. Insurify makes buying car insurance easy and stress-free!
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Chesapeake drivers measure up to their fellow Virginia motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Chesapeake drivers rank 13 in the number of car accidents per driver across all cities in Virginia.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Virginia, Chesapeake drivers rank 15 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Chesapeake drivers rank 9 in the number of DUI’s per driver across all cities in Virginia.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Chesapeake is the Toyota Camry.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Virginia, Chesapeake drivers rank 6 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Chesapeake drivers rank 22 in clean driving records across all cities in Virginia.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Chesapeake drivers rank 6 in failure to yield violations per driver across all cities in Virginia.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Virginia, Chesapeake drivers rank 7 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Chesapeake drivers rank 25 in hybrid and electric vehicle ownership across all cities in Virginia.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
