Hampton, VA, Car Insurance

In Hampton, the average full coverage car insurance costs $102 per month. Depending on the policy, vehicle type, and driver's details, costs can range from $102 to $331. To give drivers a better understanding of what they should expect to pay, the table below includes the average car insurance costs for various driver profiles.

Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.

Hampton's average car insurance costs $1,213 per year for full coverage and $645 for minimum coverage. These rates are slightly lower and higher, respectively, than Virginia's averages of $1,217 for full coverage and $632 for minimum coverage. Consider these differences when evaluating your insurance options.

Even though premiums are rising in Virginia, you can still find affordable car insurance in Hampton. Virginia Farm Bureau offers the cheapest minimum coverage at $30 per month. For full coverage, they also have the best rate at $67 per month.

Virginia Farm Bureau often offers the cheapest car insurance, but rates vary for each driver. To find the most affordable option, gather quotes from different providers. Below is a table showing the cheapest car insurance rates for various driver profiles.

To save on car insurance in Hampton, compare rates from different companies. Below, find the breakdown for affordable state minimum and full coverage options.

Virginia Farm Bureau offers the cheapest minimum coverage auto insurance at $30 per month. American Family follows at $32 per month. See the breakdown of the cheapest options in the table below.

Virginia Farm Bureau offers the cheapest full coverage car insurance in Hampton at $67 per month. Below is the full list of providers and their rates.

To find affordable car insurance in Hampton, we suggest getting quotes from several local providers. Virginia Farm Bureau offers the cheapest rate at $582, while Cincinnati Insurance is the best cheap provider with a MoneyGeek score of 88.5. Check the table below for more options to consider in your search.

*Rates are for a 40-year-old driver with good credit and no driving violations.

Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,213 per year for 40-year-olds and $1,238 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.

Nationwide offers the cheapest overall car insurance for teens in Hampton at $96 per month, saving $131 compared to the state average. The table below also breaks down some of the most affordable providers in the city for this age group.

*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.

Virginia Farm Bureau offers the lowest minimum coverage rate for young drivers in Hampton at $30 per month. They also provide the most affordable full coverage at $73 per month. Check the table below to see which providers offer the cheapest rates for different young driver profiles.

Travelers offers the most affordable auto insurance for young drivers at $66 per month. For more options, explore affordable auto insurance. The table below shows other companies with competitive rates.

*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.

Cincinnati Insurance and Virginia Farm Bureau offer some of the most affordable car insurance rates. However, costs can vary based on factors like driving history and coverage needs. The table below shows the cheapest providers for different driver and coverage profiles that may better fit you.

Virginia Farm Bureau offers the cheapest monthly premium for seniors at $55 for both minimum and full coverage. Cincinnati Insurance follows with a rate of $57 per month. The table below shows options of the top car insurance providers for seniors in Hampton.

*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.

In Hampton, car insurance rates for high-risk drivers are more affordable than the state average, with minimum coverage at $954 and full coverage at $1,824 annually. Drivers with bad credit and DUIs on their records tend to pay the most for car insurance, while accidents and speeding tickets have less of an effect on rates.

Virginia Farm Bureau offers the cheapest minimum coverage for drivers with a DUI at $443 per year in Hampton. For full coverage, they also provide the lowest rate at $1,029 annually. Check the table below for more low-cost coverage options.

*Rates are for a 40-year-old driver with good credit and a DUI.

Auto-Owners Insurance Co, Virginia Farm Bureau, and American Family offer the cheapest auto insurance after an at-fault accident in Hampton. Finding affordable coverage is crucial for maintaining financial stability. The table below shows different providers in Hampton offering cheap car insurance coverage for drivers with an at-fault accident violation.

*Rates are for a 40-year-old driver with good credit an at-fault accident.

Cincinnati Insurance is the cheapest car insurance provider for drivers with a speeding ticket, offering rates of $44 for minimum coverage and $100 for full coverage in Hampton. Check the table below to see how other providers charge drivers with a speeding ticket on their record.

**Rates are for a 40-year-old driver with good credit and a speeding ticket.*

Virginia Farm Bureau offers the most affordable rates for drivers with bad credit in Hampton, with minimum coverage at $45 and full coverage at $104. See the table below for other affordable options.

*Rates are for a 40-year-old driver with bad credit and no driving violations.

In Virginia, each city requires that the car insurance minimums are set by statewide mandates. Here's what your policy needs at a minimum:

• $25,000 for bodily injury liability per person.
• $50,000 for bodily injury liability per accident.
• $20,000 for property damage liability per accident.
• $25,000 uninsured motorist bodily injury per person.
• $50,000 uninsured motorist bodily injury per accident.
• $20,000 uninsured/Underinsured property damage coverage.

For example, if you're in an accident, this minimum coverage helps cover costs for injuries and damages up to these limits, ensuring you're financially protected.

Virginia Farm Bureau shines with the cheapest car insurance in Hampton, at just $30 for minimum coverage and $67 for full coverage. No matter your age or credit, you'll find affordable plans that fit your wallet. Make sure your insurance covers Virginia's must-haves: injury and property damage protection, plus coverage for uninsured drivers. Compare and save, ensuring you get the best price for the coverage you need by law.

This FAQ section offers quick answers to common questions about finding affordable and quality car insurance in Hampton. Explore options for state minimum and comprehensive coverage to suit your needs and budget.

MoneyGeek conducted an analysis of Hampton auto insurance prices using data from the Virginia Department of Insurance and Financial Services and Quadrant Information Services.

Hampton Driver Profile

To assess the best and most affordable auto insurance options for Hampton residents, MoneyGeek used the following sample driver profile:

• 40-year-old male
• Clean driving history
• 2012 Toyota Camry LE
• 12,000 miles driven per year

By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.

Coverage Levels in Hampton

In assessing the car insurance quotes for Hampton, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Virginia's mandated liability insurance parameters:

The minimum coverage requirements in Virginia are:

• $25,000 for bodily injury liability per person.
• $50,000 for bodily injury liability per accident.
• $20,000 for property damage liability per accident.
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident
• $20,000 uninsured/Underinsured property damage coverage

To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability
• Comprehensive and collision coverage with a deductible of $1,000

MoneyGeek’s Scoring System

MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.

Insurers received scores as indicated below, with a total possible score of 100 points:

• General customer satisfaction (up to 35 points)
• Affordability (up to 30 points)
• Claims experience (up to 20 points)
• Essential coverages (up to 10 points)
• Financial stability (up to five points)

MoneyGeek’s Sources

To gauge rates and assess the best service experiences among Virginia providers, MoneyGeek utilized six sources:

• Quadrant Information Services provided actual policy quotes in Hampton
• J.D. Power's studies and the NAIC index contributed to the assessment of customer service
• Claims experience metrics came from J.D. Power and the CRASH Network’s report card
• AM Best and Demotech offered financial stability insights through their ratings

MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Hampton. For more details on our methodology, visit MoneyGeek's methodology.