Cheapest Auto Insurance in Chesapeake, Virginia (2025)
Auto-Owners offers the cheapest car insurance in Chesapeake, with minimum-coverage policies as low as $63 per month.
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In Chesapeake, Virginia, the average monthly cost of auto insurance is $163. This is higher than the statewide average of $146 but lower than national average of $143.
Chesapeake is less walkable and has fewer options for public transportation than many other areas in Virginia, which may contribute to its higher car insurance rates.
However, Chesapeake residents still have options for affordable policies. It’s important to compare multiple insurers so you can find the one that’s best for your individual needs.
Quick Facts
Chesapeake drivers pay an average of $130 per month for liability-only coverage and $196 per month for full coverage.
Auto-Owners, State Farm, and USAA are the cheapest car insurance companies in Chesapeake.
Full-coverage car insurance policies cost Chesapeake drivers an average of $2,355 per year.
3 of the cheapest car insurance companies in Chesapeake
Insurance companies price policies based on many factors, including driver demographics such as marital status and age. The type of vehicle and where you keep it can also affect costs.1 Because so many factors affect premiums, every Chesapeake driver should get individual quotes to find the most affordable coverage.
Auto-Owners, State Farm, and GEICO are three inexpensive options that may be the right choice for many Chesapeake residents looking for cheap auto insurance. Check out the table below to learn more about these companies.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for liability-only coverage: Auto-Owners
Best insurer for drivers with an accident: State Farm
Best insurer for military members and veterans: GEICO
How to get the cheapest car insurance in Chesapeake
Insurance companies price policies based on risk. If you’re a safe driver, they’ll charge you less for insurance coverage. Many different factors affect how risky it is to insure you, including your age, marital status, type of vehicle you drive, and where you live.
You can also do some things to maximize your chances of getting cheap car insurance in Chesapeake. Some of the best ways to reduce auto insurance premiums include the following:4
Shop around and obtain quotes from many insurers.
Ask questions of insurance companies about discounts that may be available, such as for employment with certain companies.
Bundle coverage to take advantage of multi-policy discounts, including by buying homeowners insurance or life insurance from the same insurer.
Avoid accidents to earn good driver discounts and appear less risky to insurers.
Cheapest liability-only car insurance in Chesapeake: Auto-Owners
Liability-only car insurance only covers harm you cause to others. It doesn’t pay for any damages to your own vehicle. It’s usually much less expensive for customers to buy liability-only coverage rather than a full-coverage policy. But you take a big risk by going without coverage for your car.
Liability-only coverage costs an average of $130 per month in Chesapeake. The table below shows some of the most affordable insurers for drivers who want minimum coverage at lower rates.
Cheapest full-coverage car insurance in Chesapeake: Auto-Owners
Full-coverage car insurance includes liability insurance. But it also adds other kinds of insurance that protect your personal property. Collision and comprehensive coverage will pay if you crash your car or something else goes wrong, such as theft or damage due to vandalism.
Full-coverage auto insurance costs $196 per month in Chesapeake, on average. The table below shows some of the most affordable Chesapeake insurers offering full-coverage policies.
Car insurance requirements in Virginia
As of July 1, Virginia will no longer allow commonwealth drivers to pay a $500 Uninsured Motor Vehicle fee and forgo insurance. As of that date, Virginia’s registration laws will change to require all drivers who want to register a vehicle in the commonwealth to buy at least the minimum required amount of liability coverage.
Virginia is also changing the minimum amount of car insurance required, with modifications to the law going into effect on Jan. 1, 2025. The table below shows the current and future minimum required coverage:5
In addition to the minimum required coverage, many other types of optional coverage are also available in Chesapeake, including the following:
Cheapest car insurance for drivers with an incident
If drivers have certain incidents on their record, insurers charge them more for an auto policy because they present a greater risk. Examples of incidents that can result in an increase in premiums include speeding tickets, driving under the influence (DUI), and at-fault accidents. Insurers view these and other moving violations as increasing the likelihood of a collision leading to an insurance claim.
For example, full-coverage car insurance in Chesapeake costs an average of $232 per month for drivers with speeding tickets, while drivers with DUIs on their records face an average monthly cost of $316 for full coverage.
Some insurers penalize drivers with incidents more than others, so it’s a good idea to shop for the best price. The table below shows some of the cheapest insurers for motorists with imperfect driving records.
Average cost of car insurance by age
Age affects auto insurance premiums. Teen drivers have a higher likelihood of crashes because of inexperience and immaturity, which means premiums are high for young motorists.6
Costs decline around age 35 before going up again for seniors around age 70. Seniors also pay more, as information on crash risks shows older adults present an increased risk of aging-related cognitive or mobility issues.7
The table below shows the average cost of car insurance by age in Chesapeake:
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Chesapeake car insurance quotes by credit tier
Virginia allows insurance companies to consider credit history when setting auto insurance rates.8 Insurance companies believe there’s a direct relationship between a high or low credit score and the likelihood of a policyholder needing a payout. That’s because people with excellent or good credit scores tend to file fewer claims than people with poor credit scores.
The chart below shows the cost of insurance by credit score for drivers in Chesapeake, Virginia.
Chesapeake car insurance FAQs
If you’re shopping for car insurance in Chesapeake, Virginia, this additional information may help as you research your coverage options.
How much is car insurance in Chesapeake?
Car insurance in Chesapeake costs an average of $130 per month for liability-only coverage and $196 per month for full coverage, according to Insurify data.
Which companies have the cheapest car insurance in Chesapeake?
Auto-Owners has the cheapest car insurance in Chesapeake, with a monthly liability-only rate of $63. State Farm and USAA also offer affordable liability coverage, with monthly rates of $64 and $86, respectively.
The cheapest insurer for you will depend on multiple factors, including your age, ZIP code, driving history, and the type of car you drive.
What are the best car insurance companies in Chesapeake?
With high J.D. Power customer satisfaction ratings, a high Insurify Quality (IQ) Score, and a superior financial strength rating from AM Best, State Farm is one of the best car insurance companies in Chesapeake.
Other top insurers to consider include Auto-Owners and GEICO.
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