Buy Cheap Chesapeake, VA Auto Insurance
The average annual auto insurance rates in Chesapeake, VA are $2,442 ($169/mo). The cheapest auto insurance company in Chesapeake, VA is USAA, although rates will vary for each person. Chesapeake, VA car insurance must meet the state minimum requirements with coverage levels of 25/50/20 for liability and property damage. Compare Chesapeake, Virginia auto insurance rates online to get the best price for you.
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UPDATED: Jul 15, 2021
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- The average annual auto insurance rates for Chesapeake, VA are $2,442 ($169/mo)
- The cheapest auto insurance company in Chesapeake, VA is USAA, and the second cheapest is GEICO
- Chesapeake rates are affected by the traffic that is shared with Norfolk and Virginia Beach
- The average commute time for Chesapeake is 23.6 min
Chesapeake, VA auto insurance rates is, on average, about the same as Virginia Beach but are about $400 cheaper than Norfolk.
You can save on Chesapeake, Virginia auto insurance by shopping around, comparing rates, and looking for discounts, and we can help. Below you’ll find information on cheap car insurance in Chesapeake, VA for every age, credit history, and driving record.
Ready to find affordable auto insurance in Chesapeake, VA? Enter your ZIP code above to get started.
What is the cheapest auto insurance company in Chesapeake, VA?
The cheapest auto insurance company in Chesapeake, based on average rates, is USAA followed by GEICO.
The top auto insurance companies in Chesapeake, VA, ranked from cheapest to most expensive are:
- USAA – $2,025
- GEICO – $2,050
- Nationwide – $2,095
- State Farm – $2,480
- Progressive – $2,512
- Allstate – $3,492
There are a lot of factors that determine your auto insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.
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What auto insurance coverage is required in Chesapeake, VA?
All Chesapeake drivers have to meet the Virginia state law minimum requirements to buy car insurance.
In Virginia, you have to carry at least:
- $25,000 per person and $50,000 per incident for bodily injury liability
- $20,000 per incident for property damage
It’s recommended that most drivers carry more than the state minimum.
What affects auto insurance rates in Chesapeake, VA?
Chesapeake is the 3rd largest city in Virginia. Let’s take a look at how Chesapeake auto insurance rates compare to other cities in Virginia.
- Bailey’s Crossroads, VA — $2,857 (most expensive)
- Virginia Beach, VA — $2,482
- Chesapeake, VA — $2,442
- Norfolk, VA — $2,613
- East Lexington, VA — $2,018 (cheapest)
City-Data reports an average commute time for Chesapeake is 23.6 minutes.
Car theft also affects rates. The FBI’s most recent annual statistics reports Chesapeake had 250 car thefts in a city population of 240,119. That’s a rate of 104 cars stolen per 100,000 population.
Chesapeake, VA Auto Insurance: The Bottom Line
Chesapeake has about the same rates as the state average when compared to other cities of its size in Virginia, but you can still save by shopping around and comparing.
Before you buy auto insurance in Chesapeake, VA, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Chesapeake, VA auto insurance quotes.