In Chesapeake, we recommend Virginia Farm Bureau, State Farm, Erie, Auto-Owners and Travelers for car insurance. These companies have rates that are lower than average for both minimum and full coverage in the city. Additionally, they’re all known to provide both excellent customer service and high-quality coverage.

Keep reading: Cheap car insurance

Unless stated otherwise, the following cost tables show average rates for the driving profile of a 35-year-old married driver with good credit and a clean driving history.

Our data shows that the average cost of minimum-coverage car insurance in Chesapeake is $52 per month or $628 per year. This is about 1% more than the U.S. average of $52 per month or $627 per year. On the other hand, full-coverage insurance costs $150 per month or $1,793 per year on average, which is about 10% less expensive than the national average of $167 per month or $2,008 per year for full coverage.

Cheapest Liability Car Insurance in Chesapeake

Virginia Farm Bureau offers the cheapest liability insurance with average rates of $30 per month or $364 per year. State Farm is the second-cheapest option in Chesapeake with average rates of $35 per month or $425 per year.

Car insurance is optional in Virginia, but those who don’t purchase it must pay a $500 annual fee. For drivers who buy auto insurance, these are the minimum insurance requirements set out by the Virginia Department of Motor Vehicles for liability coverage:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $20,000 property damage liability per accident
• $30,000 underinsured/uninsured motorist bodily injury coverage per person
• $60,000 underinsured/uninsured motorist bodily injury coverage per accident
• $20,000 underinsured/uninsured motorist property damage coverage per accident

Cheapest Full-Coverage Car Insurance in Chesapeake

A full-coverage car insurance policy can be pricey in Chesapeake. Full car insurance coverage includes liability plus comprehensive coverage and collision coverage, which protect against damage to your vehicle in a variety of situations. Virginia Farm Bureau is the cheapest full-coverage option with average rates of $81 per month or $970 per year.

Car insurance rates are influenced by various factors, so the company with the lowest price for one driver may not be affordable for another. In this section, we’ll examine how a driver’s age, credit score and driving record impact their car insurance costs in Chesapeake.

A few ways to increase the accessibility of cheap car insurance rates are by increasing your deductible and by shopping at insurance agencies throughout Chesapeake, Virginia Beach and Norfolk. The best car insurance companies will also let you bundle auto coverage with life insurance, renters coverage and home insurance if you’re a homeowner.

Chesapeake Car Insurance Cost by Age

Car insurance for teenagers is more expensive due to their increased likelihood of getting into car accidents or breaking traffic laws. Our data shows that 16-year-olds pay about $210 per month or $2,516 per year for car insurance in Chesapeake.

As drivers get older, the cost of car insurance usually goes down. There are some examples of the average minimum cost of car insurance in Chesapeake for different age groups below.

Cheapest Car Insurance in Chesapeake: Teen Drivers

Car insurance for teens is expensive, but some insurance providers tend to be more affordable than others. Our data shows that Virginia Farm Bureau is the cheapest car insurance company for teen drivers, with minimum-coverage rates as low as $96 per month or $1,152 per year. Erie, Travelers and Geico also offer affordable premiums to Chesapeake teens.

Chesapeake Car Insurance Cost by Credit Score

Companies can consider your credit score when deciding how much to charge for car insurance in many states, including Virginia. Your car insurance cost will be higher if you have a low credit score, but expect lower rates if you have a high credit score.

Cheapest Car Insurance in Chesapeake: Poor Credit

Our rate data shows that Virginia Farm Bureau is the cheapest option for car insurance with bad credit in Chesapeake. The company offers minimum-coverage policies to drivers with poor credit for rates of $50 per month or $604 per year. This is 4% less than the overall state average for minimum coverage with good credit.

Chesapeake Car Insurance Cost by Driving Record

People who’ve gotten speeding tickets, been involved in accidents or had DUIs can expect their car insurance rates to increase. On average, speeding can increase your rates by 21%, an at-fault accident by 49%, and a DUI by 87% over prices with a clean driving record.

While different companies have varying average price increases, we discovered that State Farm is your best choice if there are violations on your driving record. The table below shows average rates by company for drivers who have either a speeding ticket, accident or DUI on their record.

Keep reading: Insurance rates for high-risk drivers

Cheapest Car Insurance in Chesapeake: Speeding Ticket

Let’s dive into the details for high-risk drivers a little more. According to our data, State Farm offers the cheapest auto insurance rates to drivers who have a speeding ticket on their records — $39 per month or $462 per year. Virginia Farm Bureau follows close behind with an average monthly rate of $40, while Auto-Owners, Erie and Geico round out the top five options for cheap speeding ticket car insurance in Chesapeake.

Cheapest Car Insurance in Chesapeake: At-Fault Accident

If you’ve caused a car accident in the past, that could make your insurance rates go up more than if you had gotten a speeding ticket. Auto-Owners and State Farm are the cheapest options here with average rates of about $38 per month and $42 per month, respectively.

Cheapest Car Insurance in Chesapeake: DUI

Getting a DUI in Chesapeake can lead to a significant increase in your car insurance rates, possibly by hundreds of dollars per year. State Farm is the cheapest of all companies, offering average rates of $39 per month or $462 per year for drivers with a DUI. Virginia Farm Bureau, Travelers and Auto-Owners are also good options with rates under $64 per month on average.

While auto coverage in Chesapeake is 16% higher than Virginia car insurance and 1% more than the national average, there are still plenty of cheap providers to shop from. Virginia Farm Bureau offers the cheapest minimum- and full-coverage policies in the city for about $30 and $81 per month, respectively.

Compare free quotes to find the company that meets your Virginia car insurance needs at the best rate. You can compare insurance products from nationwide providers and get quotes online or from insurance agents.

Here are some frequently asked questions about the cheapest auto insurance in Chesapeake, Va.:

*Cost data comes from Quadrant Information Services and is accurate at time of publication.