For a 40-year-old driver with a clean record, car insurance in Chesapeake, VA, costs about $187 a month ($2,245 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 5% above the Virginia average of $178 a month. For cheap car insurance in Chesapeake, GEICO has the lowest full-coverage average among the three major insurers we compared (Allstate, GEICO and State Farm), at about $143 a month.
Chesapeake costs less than Norfolk, its neighbor to the north, for our benchmark driver: about $22 a month less, though about $9 a month more than the Virginia average.
To compare Chesapeake, VA, car insurance quotes, check your ZIP code first: our data covers six ZIP codes with a Chesapeake mailing address, from about $178 a month in 23322 to $194 in 23325. For statewide prices and how the state’s insurers compare, see our Virginia car insurance quotes guide.
Cost data comes from the auto rates insurers file with state regulators, priced across all six Chesapeake ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Chesapeake, VA?
Car insurance in Chesapeake, VA, costs about $187 a month ($2,245 a year) for full coverage, for our benchmark driver. Liability-only coverage at 25/50/20 limits averages $914 a year ($76 a month), and 50/100/50 liability with comprehensive and collision averages $2,180 ($182 a month).
- Full coverage (100/300/100, $500 deductibles): $2,245 a year ($187 a month)
- 50/100/50 with $500 deductibles: $2,180 a year ($182 a month)
- Liability only (25/50/20): $914 a year ($76 a month)
- Virginia average: $2,137 a year ($178 a month) for full coverage
- ZIP code range: $178 (23322) to $194 (23325) a month for full coverage
Who Has the Cheapest Car Insurance in Chesapeake?
Looking for cheap auto insurance in Chesapeake? Start with GEICO: among the three major insurers we compared, it has the lowest full-coverage average for our benchmark driver, about $143 a month, ahead of State Farm at $180 and Allstate at $238. Travelers*, which we price from published rate studies, comes in lower, at about $113.
- Lowest average among these three insurers, full coverage: GEICO, at about $143 a month ($1,713 a year).
- Next lowest: State Farm, at about $180 a month.
- Liability only (25/50/20): about $52 to $97 a month across these three insurers.
- Also on our list: Travelers at about $113 a month, Virginia Farm Bureau at $132, USAA at $136, Auto-Owners at $146, Nationwide at $153 and Erie at $162 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $238 a month, $1,148 a year more than GEICO for the same driver and car.
The recent statewide Virginia rate studies we reviewed disagree on which insurer is cheapest for full coverage: of the eight, three put a Farm Bureau insurer first, three put Travelers first and two others lead one each, apart from USAA, which sells only to military families. For liability-only coverage at 25/50/20 limits, averages among these three insurers run from about $52 to $97 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Chesapeake
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/50/20 (Yearly): | Liability Only 25/50/20 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $618 | $52 | $1,713 | $143 |
| State Farm | $961 | $80 | $2,161 | $180 |
| Allstate | $1,164 | $97 | $2,861 | $238 |
| Travelers* | $672 | $56 | $1,354 | $113 |
| Virginia Farm Bureau* | $723 | $60 | $1,587 | $132 |
| USAA (military families)* | $621 | $52 | $1,628 | $136 |
| Auto-Owners Insurance* | $664 | $55 | $1,755 | $146 |
| Nationwide* | $1,018 | $85 | $1,837 | $153 |
| Erie Insurance* | $863 | $72 | $1,941 | $162 |
| Chesapeake average | $914 | $76 | $2,245 | $187 |
This table uses Chesapeake ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Chesapeake Car Insurance Rates by ZIP Code
Across the six Chesapeake ZIP codes we price, full coverage for our driver ranges from about $178 a month in 23322 to $194 in 23325, a gap of $186 a year. The two Chesapeake ZIP codes in our data closest to Norfolk, 23324 and 23325, cost the most, and 23322, the southernmost and farthest from Norfolk, costs the least. 23320 averages about $184 a month.
Lowest-priced Chesapeake ZIP codes
Highest-priced Chesapeake ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Chesapeake’s average.
| ZIP Code: | Liability Only 25/50/20 (Yearly): | Liability Only 25/50/20 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 23320 | $905 | $75 | $2,213 | $184 | -2% |
| 23321 | $897 | $75 | $2,219 | $185 | -1% |
| 23322 | $865 | $72 | $2,140 | $178 | -5% |
| 23323 | $924 | $77 | $2,269 | $189 | +1% |
| 23324 | $939 | $78 | $2,305 | $192 | +3% |
| 23325 | $954 | $80 | $2,326 | $194 | +4% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Chesapeake?
Raising liability limits from 50/100/50 to 100/300/100 adds about $65 a year on average in our Chesapeake data, with the same $500 deductibles. That’s about $5 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Allstate charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Chesapeake?
Not for our benchmark driver. Comparing the same insurers in the same Chesapeake ZIP codes, full coverage averaged $2,333 a year nine months earlier and $2,245 in rates as of Aug. 31, 2026, a 3.8% drop. State Farm cut its Chesapeake average 10.9%, while Allstate’s and GEICO’s averages were unchanged. The comparison covers the three insurers priced in both sets of rates. Liability-only coverage at 25/50/20 limits fell 0.3%, led by State Farm, which cut its liability-only average 0.9%.
What Shapes Car Insurance Costs in Chesapeake
Chesapeake is an independent city, and at about $187 a month for full coverage it’s the 10th-most expensive of the 106 Virginia counties and independent cities we price, about the same as Virginia Beach ($188) and Hampton ($187).
Liability-only coverage is where Chesapeake’s insurers differ most: among these three insurers, GEICO averages about $52 a month at 25/50/20 limits, far below State Farm ($80) and Allstate ($97). Chesapeake’s southernmost ZIP code we price, 23322, averages $178 for full coverage, matching the Virginia average. Virginia insurers price by location as well as by driver and car, so your ZIP code can move your price.
How Chesapeake Car Insurance Compares With Other Virginia Cities
More Virginia cities and towns are in the Virginia rates by city table, and you can compare states on our car insurance rates by state page.
Norfolk, to the north, averages $209 a month, and neighboring Virginia Beach $188. Suffolk, to the west, averages $179, and Portsmouth, to the northwest, $198.
What Car Insurance Is Required in Chesapeake?
Drivers in Chesapeake follow Virginia’s rules. For policies effective on or after Jan. 1, 2025, every policy must include at least:
- Liability coverage of $50,000 per person and $100,000 per crash for injuries and $25,000 for property damage (50/100/25)
- Uninsured and underinsured motorist coverage that matches your liability limits unless you ask for less, and never below 50/100/25
Virginia doesn’t require personal injury protection. Insurers must provide medical expense coverage of up to $2,000 per person and income-loss coverage if you ask for them, but both are optional, as are collision and comprehensive coverage.
Our liability-only prices use 25/50/20 limits with 25/50 uninsured and underinsured motorist coverage, below that minimum, so a policy that meets the law will generally cost more than our liability-only figures. Since July 1, 2024, Virginia no longer lets you pay a fee instead of insuring a registered car. Our Virginia requirements guide covers proof of insurance and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Chesapeake
- Compare GEICO and State Farm first. They have the two lowest full-coverage averages among the three major insurers we compared in Chesapeake, about $143 and $180 a month.
- Quote several insurers. Among the three major insurers we compared in Chesapeake, the lowest and highest averages are about $95 a month apart for the same driver and car.
- Decide on medical expense coverage. Virginia doesn’t require personal injury protection, but insurers must provide medical expense coverage of up to $2,000 per person and income-loss coverage of up to $100 a week if you ask for it, under Va. Code § 38.2-2201.
- Compare at every renewal. Over the past nine months, State Farm has cut its Chesapeake average 10.9%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which auto insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how deductibles affect your rate.
- Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in Virginia, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.
Ready to compare
How We Calculated Chesapeake Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 18 full-coverage premiums from three insurers across six Chesapeake ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Insurer count: our Virginia averages come from three insurers, fewer than in most states, so they can move more when one insurer changes its prices. We publish them as calculated, without adjustment.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 25/50/20 limits, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. Virginia’s minimum has been 50/100/25 since Jan. 1, 2025, so our liability-only prices use lower limits than the law requires. Virginia policies must also carry uninsured and underinsured motorist coverage of at least 50/100/25, so a policy that meets the law will generally cost more than our liability-only prices.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. The comparison covers the three insurers priced in both sets of rates: Allstate, GEICO and State Farm. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Virginia rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Virginia law and the Virginia Department of Motor Vehicles. We refresh these figures when new rate data is released.
Chesapeake Car Insurance FAQ
Car insurance in Chesapeake, VA, costs about $187 a month ($2,245 a year) for full coverage and about $76 a month for liability-only coverage at 25/50/20 limits, for our benchmark driver, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 5% above the Virginia average of $178 a month.
Among the three major insurers we compared, GEICO has the lowest full-coverage average in Chesapeake, at about $143 a month, followed by State Farm at $180. Travelers*, which we price from published rate studies, comes in lower, at about $113 a month. For liability-only coverage at 25/50/20 limits, averages among the three major insurers we compared run from about $52 to $97 a month. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. Chesapeake full coverage averages about $187 a month and Norfolk about $209, about $22 a month less in Chesapeake for the same driver and car.
In our data, 23322 has the lowest full-coverage average in Chesapeake, at about $178 a month, and 23325 the highest, at about $194. The ZIP code table on this page lists all six.
Chesapeake drivers follow Virginia law: for policies effective on or after Jan. 1, 2025, at least $50,000 per person and $100,000 per crash in bodily injury liability and $25,000 in property damage liability (50/100/25), plus uninsured and underinsured motorist coverage that matches your liability limits unless you ask for less, and never below 50/100/25. Our liability-only prices use 25/50/20 limits, below that minimum. Full coverage (100/300/100 with $500 deductibles) averages about $187 a month in Chesapeake, about $111 a month more than liability-only coverage at 25/50/20 limits, and unlike liability only, it pays to repair or replace your own car.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Chesapeake full coverage fell 3.8% over the past nine months, from about $2,333 to $2,245 a year. State Farm cut its Chesapeake average 10.9%. Liability-only coverage at 25/50/20 limits fell 0.3%.
For our benchmark driver, full coverage in Chesapeake averages about $187 a month. Nearby, Virginia Beach averages about $188 and Norfolk about $209. Chesapeake is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
- Latest Posts
Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
