Cheap Auto Insurance Quotes in Chesapeake, VA (2021)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Old Dominion State.

Enter your zipcode to get started

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million

Quotes

Been Here Before?

Get Back to My Quotes

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.

Car Insurance in Chesapeake, VA

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.

Quotes by Top Carriers
Quotes ($/mo)
$67
$156
$228
State FarmAmerican FamilyThe General
Monthly $

Cheapest Car Insurance in Chesapeake, VA

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.

Best Car Insurance in Chesapeake, VA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Chesapeake. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$129
$114
$134
$124
$125
$150
VirginiaVirginia BeachNorfolkRichmondArlingtonChesapeake
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Chesapeake, VA Driving Facts

virginia

Minimum Car Insurance Requirements in VA

In Virginia, motorists are required to purchase liability insurance in the following minimum coverage limits:

  • $25,000 for bodily injury or death of one person
  • $50,000 for bodily injury or death of two+ people
  • $20,000 for property damage liability

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. 

Chesapeake Car Insurance Rates by Driver Age

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.

Driving History
No Violation$196
Speeding Ticket$230
At-Fault Accident$257
Failure to Stop for Red Light / Stop Sign$239

Chesapeake Car Insurance Rates by Driving and Accident History

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.

Chesapeake Car Insurance Rates by Credit Tier

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.

Chesapeake, VA DMV Information

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.

Public Transportation in Chesapeake, VA

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.

Conclusion: How to get the best and cheapest car insurance in Chesapeake, VA

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!

Find local Chesapeake agents

Beskin-Divers Ins Grp Inc 
1200 Battlefield Blvd N Ste 102, Chesapeake, VA 23320-4790
Equity 1 Inc 
P O Box 16384, Chesapeake, VA 23328
Ins Doctor Agcy of Chesapeake 
'1437 Sam''s Dr # 121, Chesapeake, VA 23320'
Bankers Monarch Bank-Chesapeake 
750 Volvo Pkwy, Chesapeake, VA 23320-2802
Towne Ins Agcy LLC - Greenbrier 
1312 Greenbrier Pkwy, Chesapeake, VA 23320-0619
Direct Auto Insurance
1020 N Battlefield Blvd Suite C, Chesapeake, VA 23320
Direct Auto Insurance
4400 Indian River Rd Unit A, Chesapeake, VA 23325
Centerville Insurance Agency
516 Innovation Dr Ste 301, Chesapeake, VA 23320
Direct Auto Insurance
'1437 Sam''s Dr Ste 121, Chesapeake, VA 23320'
Declan Kelly: Allstate Insurance
3587 Forest Haven Ln Ste C, Chesapeake, VA 23321

Insurify Insights: How Chesapeake Drivers Measure Up

toyota
Toyota Camry
Most Popular Car in
Chesapeake, VA
suspended licenses
#21
Cities with Most
Suspended Licenses Rank

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.

Accidents Chesapeake

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.

  • Rank within state: #13
  • Percent of drivers in Chesapeake with an accident: 12.53%
  • Drivers in Chesapeake, VA with an accident in their driving history paid on average 43.02% more than drivers with a clean record

Speeding Chesapeake

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.

  • Rank within state: #15
  • Percent of drivers in Chesapeake with a speeding ticket: 15.35%
  • Drivers in Chesapeake, VA with a speeding ticket in their driving history paid on average 36.05% more than drivers with a clean record

DUI/DWIs Chesapeake

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.

  • Rank within state: #9
  • Percent of drivers in Chesapeake with a DUI: 2.37%
  • Drivers in Chesapeake, VA with a DUI in their driving history paid on average 38.95% more than drivers with a clean record

Most Popular Vehicle Chesapeake

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.

Rude Chesapeake

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.

  • Rank within state: #6
  • Percent of drivers in Chesapeake with a reckless driving violation: 4.18%
  • Drivers in Chesapeake, VA with a reckless driving violation in their driving history paid on average 51.74% more than drivers with a clean record.

Safest Drivers Chesapeake

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.

  • Rank within state: #22
  • Percent of drivers in Chesapeake with clean record: 73.65%

Failure to Yield the Right of Way Chesapeake

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.

  • Rank within state: #6
  • Percent of drivers in Chesapeake with a failure to yield violation: 1.19%
  • Drivers in Chesapeake, VA with a failure to yield violation in their driving history paid on average 1800% more than drivers with a clean record

Reckless Drivers Chesapeake

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.

  • Rank within state: #7
  • Percent of drivers in Chesapeake with a reckless driving offense: 0.62%

Hybrid/Electric Vehicle Ownership Chesapeake

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.

  • Rank within state: #25
  • Percent of drivers in Chesapeake with a hybrid/electric vehicle: 1.06%

FAQs - Chesapeake, VA Car Insurance

Is auto insurance required in Chesapeake?

Virginia is one of the few states that doesn’t require drivers to enroll in auto coverage for their registered vehicle. Instead, motorists can pay a $500 fee to the DMV and forgo purchasing any type of insurance. This law is one of the reasons why Chesapeake residents tend to pay so much for their coverage.

What type of car insurance should I purchase in Chesapeake?

If you are going to enroll in auto coverage, it’s advised that you purchase $25,000 for bodily injury, $20,000 for property damage, and $25,000 for uninsured motorist bodily injury. Many drivers like to add PIP and collision coverage as well to ensure they are protected in the event of an accident.

How can I find cheap car insurance in Virginia?

Drivers who decide to enroll in car insurance should visit Insurify to find the best prices on policies that meet their specific driving needs. With just a few clicks, you’ll be able to compare quotes, view discounts, and even enroll online.

Insurify Rate Comparison Methodology

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.