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Chesapeake Car Insurance Costs

When it comes to securing reliable and affordable car insurance in Chesapeake, VA – InsuranceQuotes is your trusted partner in the search for the perfect policy coverage.

InsuranceQuotes is committed to connecting Chesapeake’s drivers with top-notch insurance providers, ensuring that you can hit the road with confidence, knowing your vehicle is protected.

We can help you compare quotes and help you figure out how much you should expect to pay for car insurance in Chesapeake with updated costs data.

Average Chesapeake Car Insurance Rates:

  • State Minimum Liability: You can expect to pay $73 a month or $874 a year.
  • Full Coverage: You can expect to pay $198 a month or $2,379 a year.

InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in your city – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.

Drivers in VA should compare multiple car insurance coverage options that may be cheaper than the average rates – we will breakdown costs throughout this guide. Knowing average auto insurance costs beforehand is helpful when using InsuranceQuotes to compare free local and national provider quotes so you can know what to expect when searching for a new policy.

Who Has the Cheapest Car Insurance in Chesapeake?

Here is a breakdown of average costs from the cheapest local insurance providers in the state from our data set of used-car drivers who are single, middle aged and have a clean driving record:

Insurance Company:Minimum Liability:Monthly:Full Coverage:Monthly:
State Farm$687$57$1,897$158
Average Cost:$874$73$2,379$198

Auto Insurance Rates by Age in VA

Statistics show that younger drivers, particularly teenagers and drivers in their early twenties, are more likely to be involved in accidents due to their limited driving experience and potential risky behavior on the road. Drivers older than 25 will see a significant drop in their auto policy costs as they are moved into the middle aged cost tier group for coverage.

Virginia insurance providers use age as a factor that influences your auto rates and cost quotes you receive. Younger drivers tend to face higher annual premiums compared to mature, more experienced drivers.

* Full Coverage – Average Costs by Age:

* State Minimum Liability – Average Costs by Age:

Here is a full breakdown of the average costs for car insurance by age in Virginia:

Age:Minimum Liability:Monthly:Full Coverage:Monthly:

How Much Car Insurance Do I Need in Virginia?

The amount of car insurance you should get in Virginia, like in most states, is determined by the state’s minimum coverage requirements and your individual needs and circumstances. In Virginia, the minimum required coverage includes:

  1. Bodily Injury Liability (BIL) Coverage:
    • Minimum coverage: $25,000 per person and $50,000 per accident
  2. Property Damage Liability (PDL) Coverage:
    • Minimum coverage: $20,000 per accident

These are the minimum legal requirements to drive in Virginia. In many cases, it is recommended to carry coverage beyond the state minimum in VA to provide more protection in case of accidents. Here are some additional types of coverage you might want to consider:

  1. Uninsured/Underinsured Motorist Coverage (UM/UIM): This coverage can protect you if you’re in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your expenses.
  2. Comprehensive Coverage: This covers damages to your vehicle caused by things other than accidents, such as theft, vandalism, or weather-related events.
  3. Collision Coverage: This covers the cost of repairs to your vehicle if you’re in an accident, regardless of who is at fault.
  4. Medical Payments Coverage: This pays for medical expenses related to injuries sustained in an accident.

The amount of coverage you should get really depends on your financial situation, the value of your vehicle, and your personal preferences. It’s advisable to discuss your specific needs with your insurance agent who can provide guidance tailored to your circumstances.

If high cost insurance is not an option for you, Virginia law allows you to pay an uninsured motor vehicle fee. This allows you to register and operate your vehicle for a year. However, it isn’t insurance, and you can be held liable if you cause an accident.

How Much Does a Driving Record Violation Increase Insurance Rates?

Driving violations can have a significant impact on your car insurance costs in Virginia, as they indicate a higher level of risk to insurance providers. When you receive a driving violation, such as a speeding ticket or a DUI, your insurance company may consider you a higher-risk driver, which can lead to an increase in your insurance premiums for the foreseeable future.

Here is a breakdown of full coverage car insurance cost increases with driving violations:

Insurance Company:Minimum Liability:Monthly:Full Coverage:Monthly:
Clean Record$807$67$2,561$213
1 Speeding Violation$959$80$3,068$256
1 At-Fault Accident$1,145$95$3,627$302
1 DUI Violation$1,207$101$3,789$316

See a more in depth guide for auto insurance costs broken down by popular cities in Virginia.

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