Best Cheap Auto Insurance in Hampton, VA (2021)

The cheapest Hampton, VA auto insurance is from GEICO, but rates will be different for each driver. Auto insurance in Hampton must meet the Virginia minimum requirements of 25/50/20 in liability coverage, 25/50 in uninsured motorist bodily injury coverage, and $20,000 in uninsured motorist hit and run coverage. Shop around and compare Hampton, VA auto insurance quotes online to find your best deal.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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: Apr 26, 2021

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Things to Remember

  • GEICO offers the cheapest auto insurance to all drivers in Hampton, VA
  • Auto insurance in Hampton is cheaper than the national average
  • Hampton, VA is located between Newport News and Norfolk but commute times are low

Hampton, VA auto insurance is more expensive than the Virginia auto insurance average rates. However, it is less than the overall national average.

Finding the most affordable Hampton, VA auto insurance is important, so shop around to find the best deal. Compare rates from multiple companies to find the cheapest coverage for you.

Enter your ZIP code now to compare Hampton, VA auto insurance quotes for free from companies near you.

What is the cheapest auto insurance company in Hampton, VA?

The Hampton, VA auto insurance company with the cheapest average rates is USAA, but it only offers coverage to the military, veterans, and their families. The company that offers the cheapest rates to all Hampton drivers is GEICO.

The top Hampton, VA auto insurance companies listed from least to most expensive are:

  • USAA – $2,107.54
  • GEICO – $2,124.72
  • Nationwide – $2,269.66
  • Progressive – $2,436.33
  • State Farm – $2,491.94
  • Allstate – $3,427.75

Many factors affect your auto insurance rates, such as your age, gender, and driving record.

Where you live also affects your rates. Larger cities with more traffic and crime will have higher rates. For example, as the capital of the state, Richmond, VA will have higher auto insurance rates than Hampton.

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What auto insurance coverage is required in Hampton, VA?

Like most states, Virginia requires drivers to carry at least a minimum amount of auto insurance. Alexandria drivers must carry at least:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $20,000 per incident for property damage
  • $25,000 per person and $50,000 per incident for uninsured motorist bodily injury coverage
  • $20,000 per accident with a $200 deductible for uninsured motorist hit and run coverage

As you can see, these limits are extremely low and will easily exhaust in the event of a major accident. Increase these limits and add coverages like collision and comprehensive to prevent paying out of pocket for losses.

What affects auto insurance rates in Hampton, VA?

Traffic can also affect your auto insurance rates. More traffic means a greater chance of being in an accident.

INRIX ranks Hampton, VA as the 196th most congested city in the U.S.

City-Data reports that most drivers in Hampton commute about 20 minutes and prefer to drive alone.

Theft can also affect your rates. According to the FBI, there were 332 motor vehicle thefts in one year in Hampton, VA.

Hampton, VA Auto Insurance: The Bottom Line

Although car insurance in Hampton is cheaper than the national average, you still want the best deal available. So before you buy Hampton, VA auto insurance, compare quotes from different companies to find cheap auto insurance.

Enter your ZIP code now to compare Hampton, VA auto insurance rates from multiple companies for free.

Free Auto Insurance Comparison

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

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