Updated: November 21, 2024
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Factors like your driving record and needs can affect the cost of your car insurance. American Family is the cheapest company for full coverage, minimum coverage, for military families and affordability.
Auto-Owners Insurance Co is the cheapest option after a speeding ticket and at-fault accident, State Farm after a DUI and Nationwide for teens. Cincinnati Insurance is the best option for quality customer service.
Cheapest + BestCar InsuranceChesapeakeCheapest and Best Car Insurance in Chesapeake
Why Trust MoneyGeek? We analyzed data and information from the Virginia Department of Insurance and Quadrant Information Services to get Virginia car insurance rates for this study. We developed a unique scoring system to evaluate insurers in the city.
The cheapest car insurance companies for a minimum coverage policy in Chesapeake are:
Kemper is the most expensive company for a minimum coverage policy, with an average premium of $1,349 per year. As of October 2022, American Family offers the cheapest car insurance in Virginia at $243 per year. The average rate in the state is a little more expensive than the city average, showing that rates can differ between locations.
| American Family | $226 | $19 |
| Mercury | $287 | $24 |
| State Farm | $350 | $29 |
| Auto-Owners Insurance Co | $365 | $30 |
| Nationwide | $393 | $33 |
| Cincinnati Insurance | $400 | $33 |
| Virginia Farm Bureau | $403 | $34 |
| Travelers | $434 | $36 |
| Erie | $439 | $37 |
| Allstate | $551 | $46 |
| GEICO | $551 | $46 |
| Progressive | $685 | $57 |
| National General | $813 | $68 |
| Kemper | $1,349 | $112 |
A minimum coverage policy only includes the state requirements in Virginia. Virginia law requires the following limits for each coverage:
Bodily injury liability covers the expenses in case you get into an accident. Your minimum coverage policy can pay for the medical costs, legal fees and lost income of every victim for up to $25,000, but the coverage cannot exceed $50,000. You will have to pay out of pocket for any extra costs.
The most affordable full coverage car insurance policies in Chesapeake are:
The most expensive company is Kemper, with an average premium of $2,353 per year. As of October 2022, the cheapest full coverage insurance in Virginia is also from American Family. The average rate for the state remains the same, with the average for Chesapeake, which is $601 per year.
Although the rates are the same, rates for different cities vary due to certain factors, including your age, driver profile, coverages and discounts.
| American Family | $601 | $50 |
| Nationwide | $683 | $57 |
| Auto-Owners Insurance Co | $699 | $58 |
| State Farm | $777 | $65 |
| Mercury | $800 | $67 |
| Virginia Farm Bureau | $818 | $68 |
| Erie | $828 | $69 |
| Travelers | $850 | $71 |
| Cincinnati Insurance | $881 | $73 |
| Progressive | $1,046 | $87 |
| Allstate | $1,050 | $88 |
| GEICO | $1,128 | $94 |
| National General | $1,600 | $133 |
| Kemper | $2,353 | $196 |
A full coverage policy has comprehensive and collision insurance. These additions cover the following:
An older vehicle might not benefit from a full coverage policy since the expensive premiums may not be proportionate to the value of your vehicle.
If you have driving violations, you can find the most affordable car insurance from:
On average, the most expensive companies after a driver offense are Cincinnati Insurance for DUIs ($2,710 per year), Kemper for at-fault accidents ($3,528 per year) and National General for speeding tickets ($3,276 per year). Driving offenses on your record may cause your car insurance rates to increase, so the cost of your policy tends to be more expensive compared to those with clean driving records.
| Auto-Owners Insurance Co | $776 | $65 |
| Nationwide | $832 | $69 |
| State Farm | $856 | $71 |
| American Family | $877 | $73 |
| Erie | $951 | $79 |
| Cincinnati Insurance | $1,026 | $86 |
| Travelers | $1,181 | $98 |
| Mercury | $1,207 | $101 |
| Virginia Farm Bureau | $1,264 | $105 |
| GEICO | $1,348 | $112 |
| Allstate | $1,364 | $114 |
| Progressive | $1,412 | $118 |
| Kemper | $2,990 | $249 |
| National General | $3,276 | $273 |
The cheapest car insurance for those with bad driving records depends on many factors, and one of them is the nature of your violation. The increase in your premium may depend on the severity of your violation.
For example, your premium may increase by $423 per year after a ticket, but it can increase by $682 per year after a DUI. Your rates increase because insurers tend to see drivers with violations as high-risk individuals who are more likely to file claims.
The cheapest car insurance companies for teens on a family policy are:
The most expensive company is Kemper. The average premiums are $10,547 per year for boys and $8,464 per year for girls. Premiums for girls and boys differ because insurers see boys as more high-risk clients than girls. Nationwide’s premiums for teens vary by around $118 per year, but the gap may close as they become young adults.
| Nationwide | $1,042 | $3,392 |
| State Farm | $1,731 | $4,161 |
| Auto-Owners Insurance Co | $1,806 | $5,647 |
| Travelers | $1,809 | $6,095 |
| Allstate | $2,517 | $6,684 |
| GEICO | $2,693 | $9,251 |
| Progressive | $2,837 | $10,853 |
| Kemper | $8,464 | $17,103 |
Buying an individual policy may not be the best way to get the cheapest car insurance for teens. Individual policies are more expensive than adding them to the family policy. Adding them to the family policy can save you thousands per year.
In Chesapeake, car insurance for a 16-year-old boy costs $2,272 per year more when he gets his own policy vs. being on a family policy.
The companies with the cheapest full coverage car insurance for active or veteran military families in Chesapeake are:
American Family is also the cheapest option for minimum coverage. Its average premium is $226 per year. Mercury offers the second most affordable option at around $287 per year.
USAA is also one of the cheapest military car insurance for minimum coverage, at roughly $319 per year. Its services are specific to military members and their families.
| American Family | $601 | $50 |
| USAA | $656 | $55 |
| Nationwide | $683 | $57 |
| Auto-Owners Insurance Co | $699 | $58 |
| State Farm | $777 | $65 |
| Mercury | $800 | $67 |
| Virginia Farm Bureau | $818 | $68 |
| Erie | $828 | $69 |
| Travelers | $850 | $71 |
| Cincinnati Insurance | $881 | $73 |
| Progressive | $1,046 | $87 |
| Allstate | $1,050 | $88 |
| GEICO | $1,128 | $94 |
| National General | $1,600 | $133 |
| Kemper | $2,353 | $196 |
You can get an online car insurance quote in Chesapeake, Virginia. The process may take at least 15 minutes per insurer, and you might need to fill in a lot of personal information.
MoneyGeek’s car insurance calculator can help you save time and get a rough estimate of the cost of your policy. With just your age, vehicle type, coverage level and driving record, you can get an idea of how much your premiums might be.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Nov 21, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
The best car insurance for you depends on which factors are the most important to you. The best car insurance companies are:
Company’s scores can change based on the category. The best car insurance in Virginia is also Cincinnati Insurance. For military drivers, USAA is our top recommendation, with a MoneyGeek score of 84 out of 100.
The best companies for car insurance in Chesapeake are:
Cincinnati Insurance received excellent scores in satisfaction and affordability. Cost can be a significant factor when looking for insurance, but you also need to have a good customer service experience. Cincinnati Insurance successfully balances quality customer service and reasonable premiums.
For active military members and veterans, the best car insurance company is USAA. It received a MoneyGeek score of 84 out of 100.
Offers excellent customer satisfaction
Affordable
Can waive your deductibles
Gap insurance
Received a low score for claims satisfaction
Doesn’t have accident forgiveness
Cincinnati Insurance offers many coverages, including general deductible waiver and gap insurance. These coverages are only optional additions to your policy. Even though you’ll have to pay a little more for these add-ons, you can save money if you file a claim.
Cincinnati Insurance has general deductible waiver coverage. This allows you to skip paying your deductible in case of a covered loss. The loss can be related to a collision or not.
You can also get gap insurance on your policy. Although it’s an additional expense, it can save you thousands in case of a covered loss. Gap insurance pays for the difference between the value of your car and the remaining balance of your lease or loan. If you have this on your policy, you won’t have to worry about the unsettled accounts on your vehicle.
After excluding the affordability, we found that the best companies for customer service in Chesapeake are:
Cincinnati Insurance received the best scores for customer satisfaction and coverage. It’s not one of the most affordable options, but it’s not one of the most expensive ones, either. Its cost can be reasonable for the quality of service you receive.
Ranked highly in customer satisfaction
Offers roadside assistance, rental car and/or travel reimbursement and gap insurance
Has safety restraint benefit and new car replacement coverages
Received a low claims satisfaction score
No accident forgiveness
Cincinnati Insurance provides coverage for your medical expenses and your brand-new car. These can help you recover from major financial troubles in case of emergencies.
The coverage amount included in your policy for medical expenses can be doubled if you have a safety restraint benefit. This coverage only applies to you or your passengers who are injured in an accident if you or they were using the standard seat belt of your vehicle. It can also cover a child in a safety restraint seat.
If your new car has been totaled in a covered loss, you can get a brand-new car or the amount left in your loan. Cincinnati Insurance’s replacement cost plus coverage pays for these costs as long as you add it to your policy. It protects your investment as soon as you drive it off the lot, which is important because cars quickly depreciate in value.
Focusing only on affordability and service for minimum coverage policies, the best insurers in Chesapeake are:
The most affordable minimum coverage policies in Chesapeake may have the lowest rates. With minimum coverage, even though you’re paying less for your insurance, you’re not protected against liability costs and damage to your vehicle. It’s important to assess your needs when looking for car insurance.
An affordable option with an average premium of $226 per year
Discounts for bundling, safe driving and being continuously insured
Has roadside assistance, rental car and/or travel reimbursement, OEM coverage and gap insurance
Good satisfaction score
Received a low score for claims satisfaction
Doesn’t offer the best claims management
American Family received the best score for coverage and affordability. This means it offers all essential coverages, namely roadside assistance, rental car and/or travel reimbursement, OEM coverage and gap insurance. It has all these at the most affordable rates, with an average of $226 per year.
It also has all the common discounts an insurer can offer, including bundling, good student, multiple car and safe driving. You can save money on your premiums by pairing your car insurance with other insurance types or insurance your other cars with this company. American Family also rewards you with a discount when you don’t have accidents, violations or claims for five years.
Other unique discounts apply when you go paperless, pay in full, are a new customer and more. These discounts can come in handy, although they can be quite specific to your personal circumstances and the features of your car.
The average cost of car insurance in Chesapeake for a full coverage policy is $915 per year. This average is based on a policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.
Car insurance in Chesapeake is $25 cheaper than Virginia’s cost of car insurance and $350 cheaper than the average cost of car insurance in the country. Location is one of the factors that affect rates.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
