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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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: Aug 4, 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.

Monthly Hampton, VA Car Insurance Rates by ZIP Code

Find more info about the monthly Hampton, VA car insurance rates by ZIP Code below:

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Hampton, VA Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare Hampton, Virginia against other top US metro areas’ auto insurance rates.

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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 cheapest Hampton, VA auto insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Virginia auto insurance company rates?” We cover that as well.

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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.

Hampton, Virginia auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a significant role in your Hampton, VA auto insurance rates. Find the cheapest Hampton, Virginia auto insurance rates by coverage level below:

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Your credit score will play a major role in your Hampton, VA auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Hampton, Virginia auto insurance rates by credit score below.

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Your driving record will affect your Hampton auto insurance rates. For example, a Hampton, Virginia DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Hampton, Virginia auto insurance rates by driving record.

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Factors affecting auto insurance rates in Hampton, VA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Hampton, VA auto insurance.

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These states no longer use gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, and North Carolina, Pennsylvania. But age is still a big factor because young drivers are considered high-risk drivers in Hampton. Virginia does use gender, so check out the average monthly auto insurance rates by age and gender in Hampton, VA.

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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.

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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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Monthly Hampton, VA Auto Insurance Rates by ZIP Code
Hampton, VA Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Hampton, VA Auto Insurance Rates by Company vs. City Average
Hampton, VA Auto Insurance Rates by Company and Age
The Cheapest Hampton, VA Auto Insurance Rates by Coverage Level
The Cheapest Hampton, VA Auto Insurance Rates by Credit Score
The Cheapest Hampton, VA Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Hampton, VA
Average Monthly Auto Insurance Rates by Age & Gender in Hampton, VA
Monthly Hampton, VA Auto Insurance Rates by ZIP Code
Hampton, VA Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Hampton, VA Auto Insurance Rates by Company vs. City Average
Hampton, VA Auto Insurance Rates by Company and Age
The Cheapest Hampton, VA Auto Insurance Rates by Coverage Level
The Cheapest Hampton, VA Auto Insurance Rates by Credit Score
The Cheapest Hampton, VA Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Hampton, VA
Average Monthly Auto Insurance Rates by Age & Gender in Hampton, VA