Best Cheap Auto Insurance in Chesapeake, VA (2021)

The average Chesapeake, VA auto insurance rates are $204 per month. The minimum auto insurance in Chesapeake is at least 25/50/20 in coverage to comply with Virginia auto insurance laws. To find the best cheap auto insurance in Chesapeake, Virginia, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The most expensive auto insurance company in Chesapeake for teen drivers is Allstate
  • The minimum auto insurance required in Chesapeake, Virginia is 25/50/20
  • The cheapest auto insurance company in Chesapeake is USAA

Chesapeake, Virginia auto insurance requirements are 25/50/20 according to Virginia auto insurance laws. Finding cheap auto insurance in Chesapeake can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Chesapeake, Virginia, including driving record, credit, commute time, and more.

Compare auto insurance in Chesapeake to other Virginia cities, including Alexandria auto insurance rates, Virginia Beach auto insurance rates, and Roanoke auto insurance rates to see how Chesapeake, Virginia auto insurance rates stack up.

Before you buy Chesapeake, Virginia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Chesapeake, Virginia auto insurance quotes.

Minimum Auto Insurance in Chesapeake, Virginia

Chesapeake, Virginia auto insurance laws require that you have at least the Virginia minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Chesapeake, Virginia.

Minimum Required Auto Insurance Coverage in Chesapeake, Virginia

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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Cheap Chesapeake, Virginia Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Chesapeake, Virginia are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Chesapeake, Virginia

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,115 $1,992 $2,103 $2,103 $6,608 $7,545 $2,741 $2,730
GEICO $1,450 $1,439 $1,378 $1,378 $3,175 $4,231 $1,687 $1,657
Nationwide $1,441 $1,446 $1,280 $1,311 $3,487 $4,475 $1,592 $1,726
Progressive $1,232 $1,162 $1,125 $1,124 $5,870 $6,585 $1,489 $1,509
State Farm $1,481 $1,481 $1,352 $1,352 $4,685 $5,872 $1,680 $1,934
USAA $1,211 $1,190 $1,143 $1,144 $3,782 $4,479 $1,552 $1,701

Cheap Chesapeake, Virginia Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Chesapeake, Virginia is a challenge. Take a look at the annual teen auto insurance rates in Chesapeake, Virginia.

Annual Auto Insurance Rates for Teen Drivers in Chesapeake, Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,608 $7,545
GEICO $3,175 $4,231
Nationwide $3,487 $4,475
Progressive $5,870 $6,585
State Farm $4,685 $5,872
USAA $3,782 $4,479

Cheap Chesapeake, Virginia Auto Insurance for Seniors

What are senior auto insurance rates in Chesapeake, Virginia? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Chesapeake, Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,103 $2,103
GEICO $1,378 $1,378
Nationwide $1,280 $1,311
Progressive $1,125 $1,124
State Farm $1,352 $1,352
USAA $1,143 $1,144

Cheap Chesapeake, Virginia Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Chesapeake, Virginia compared to the annual auto insurance rates with a clean record in Chesapeake, Virginia.

Annual Chesapeake, Virginia Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,597 $4,191 $3,820 $3,360
GEICO $1,564 $2,021 $3,050 $1,564
Nationwide $1,824 $1,824 $2,664 $2,067
Progressive $2,132 $2,862 $2,565 $2,489
State Farm $2,251 $2,709 $2,480 $2,480
USAA $1,566 $2,046 $2,687 $1,803

Cheap Chesapeake, Virginia Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Chesapeake, Virginia is not easy. Compare the annual rates for DUI auto insurance in Chesapeake, Virginia to find the best deal.

Annual Auto Insurance Rates After a DUI in Chesapeake, Virginia

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,820
GEICO $3,050
Nationwide $2,664
Progressive $2,565
State Farm $2,480
USAA $2,687

Cheap Chesapeake, Virginia Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Chesapeake, Virginia annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Chesapeake, Virginia

Insurance Company Poor Fair Good
Allstate $4,243 $3,410 $2,823
GEICO $2,277 $1,936 $1,936
Nationwide $2,473 $1,996 $1,815
Progressive $2,784 $2,453 $2,299
State Farm $3,528 $2,186 $1,726
USAA $2,699 $1,848 $1,529

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Cheap Chesapeake, Virginia Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Chesapeake, Virginia can vary. Compare the annual cost of auto insurance by ZIP code in Chesapeake, Virginia to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Chesapeake, Virginia

ZIP Code Average Annual Rates
23320 $2,097
23321 $2,096
23322 $2,133
23323 $2,122
23324 $2,156
23325 $2,094

Cheap Chesapeake, Virginia Auto Insurance Rates By Commute

Commute length and annual mileage affect Chesapeake, Virginia auto insurance. Find the cheapest annual Chesapeake, Virginia auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Chesapeake, Virginia

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,383 $3,601
GEICO $2,012 $2,087
Nationwide $2,095 $2,095
Progressive $2,512 $2,512
State Farm $2,417 $2,542
USAA $1,950 $2,100

Cheap Chesapeake, Virginia Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Chesapeake, Virginia? Check out the comparison of annual Chesapeake, Virginia auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Chesapeake, Virginia

Insurance Company Low Medium High
Allstate $3,369 $3,492 $3,615
GEICO $1,961 $2,047 $2,140
Nationwide $2,184 $2,076 $2,024
Progressive $2,381 $2,479 $2,676
State Farm $2,314 $2,477 $2,648
USAA $1,930 $2,030 $2,116

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Best By Category: Cheapest Auto Insurance in Chesapeake, Virginia

Compare the cheapest auto insurance companies in Chesapeake, Virginia in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Chesapeake, Virginia

Category Insurance Company
Teenagers GEICO
Seniors Progressive
Clean Record GEICO
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation GEICO

The Cheapest Chesapeake, Virginia Auto Insurance Companies

What auto insurance companies in Chesapeake, Virginia are the cheapest? Compare the top Chesapeake, Virginia auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Chesapeake, Virginia

Insurance Company Average Annual Rates
Allstate $3,492
GEICO $2,050
Nationwide $2,095
Progressive $2,512
State Farm $2,480
USAA $2,025

What affects auto insurance rates in Chesapeake, Virginia?

There are a lot of reasons why auto insurance rates in Chesapeake, Virginia are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Chesapeake, Virginia. Many local factors may affect your Chesapeake auto insurance rates.

Chesapeake Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Chesapeake, Virginia commute length is 24.6 minutes according to City-Data.

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Compare Chesapeake, Virginia Auto Insurance Quotes

Before you buy Chesapeake, Virginia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Chesapeake, Virginia auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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