Cheapest and Best Car Insurance in Hampton, VA (2024)

Finding the right car insurance in Hampton, Virginia, varies based on coverage or personal preferences. For both full and minimum insurance coverage, Virginia Farm Bureau offers the lowest rates, whereas families with teens find Nationwide most affordable. The best company for customer service is Cincinnati Insurance, while Erie is the best overall, excelling in value between price and service.

MoneyGeek found that these companies are the most affordable options for those seeking the cheapest car insurance in Hampton:

• Virginia Farm Bureau: $358 per year
• American Family: $380 per year

Kemper has the most expensive minimum coverage policy in Hampton, with an annual premium of $1,399. Comparing Kemper to Virginia Farm Bureau, there's a substantial $1,041 difference in their rates. This shows the potential savings for consumers who take the time to compare rates.

For all cities in Virginia, including Hampton, drivers must adhere to the state's minimum required car insurance coverage. Here's what the law mandates:

• $25,000 bodily injury per person
  
• $50,000 bodily injury per accident
  
• $20,000 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 illustrate, a minimum coverage policy offers up to $25,000 for an individual's bodily injury per incident, and $50,000 total for injuries per accident. Should expenses exceed these figures, the remainder is unfortunately out of your pocket. Remember, these figures are standard, just the legal baseline to keep you road-ready in Virginia.

These companies offer the cheapest full coverage car insurance in Hampton:

• Virginia Farm Bureau: $807 per year
• Auto-Owners Insurance Co: $838 per year

Kemper is the most expensive policy provider at $2,402 annually. Full coverage car insurance can be considerably pricier than minimum coverage due to its comprehensive protection against a wide range of incidents.

A full coverage policy includes coverage for damage to your own vehicle in the form of comprehensive and collision coverages. It usually also includes increased liability limits.

• Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.
• Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.

If you have a new vehicle, opt for full coverage for more robust financial protection. If you're leasing or have a car loan, you are typically required to carry full coverage insurance.

Owners of older vehicles may find the extra premium for full coverage less justifiable due to the car's decreased value. Striking the right balance is key when deciding how much car insurance you need; higher coverage leads to increased premiums, but with lower coverage, you run the risk of being inadequately insured.

MoneyGeek found that the cheapest car insurance options for drivers with violations vary based on the type of driving offense:

• Speeding Ticket: Auto-Owners Insurance Co ($863 per year)
• At-Fault accident: Auto-Owners Insurance Co ($779 per year)
• DUI: Virginia Farm Bureau ($1,030 per year)

National General is the most expensive insurer for both speeding tickets and at-fault accidents, with premiums at $3,197 per year, while Kemper is the priciest post-DUI at $2,519 per year. The cost differences highlight how varying traffic offenses impact insurance rates; the cheapest annual premium after a DUI is $167 higher than after a speeding ticket.

In Hampton, as in many cities, insurance rates increase with the severity of a driver’s offenses due to the higher risk they pose to insurers. For example, drivers with a DUI in Hampton face an average annual premium of $2,660, compared to those with a speeding ticket who pay around $2,171. Given this significant variance in rates for different offenses, it’s crucial for drivers with violations to diligently compare insurance offerings to secure savings where possible.

MoneyGeek found that Nationwide is the cheapest option in Hampton for both female and male teens when it comes to full coverage car insurance.

• Nationwide: $1,127 per year for female teens and $1,254 per year for male teens
• State Farm: $1,787 per year for female teens and $2,264 per year for male teens

It is clear from these figures that Nationwide offers the most competitive rates, which cover the combination of two parents and a teenager. On the other hand, Kemper holds the spot for the most expensive teen family policy in Hampton, with an annual premium of $8,627 for female teens and a staggering $10,749 for male teens. The difference in premiums highlights the paramountcy of comparison shopping, particularly considering teenagers are generally deemed higher risk drivers, which can substantially elevate policy costs. This variance — over $7,000 annually for female teens — signifies the potential financial relief that diligent research can provide.

In Hampton, as in many cities, teen drivers are offered higher insurance premiums due to the elevated risk insurers associate with their inexperience. It is, therefore, best for teens to join a family plan at $3,457 as compared to an individual policy that runs an average of $5,940 annually. Joining a family plan also provides better approval chances.

MoneyGeek found that Virginia Farm Bureau offers the most affordable full coverage car insurance for those with military backgrounds in Hampton.

• Virginia Farm Bureau: $807 per year
• Auto-Owners Insurance Co: $838 per year

While USAA did not rank as the lowest, with an annual premium of $890, it specializes in serving the unique needs of active-duty military members, which is enough reason for consideration.

In Hampton, securing the best car insurance rate is important for cost savings, but manually comparing rates from various companies can be arduous, requiring upwards of 15 minutes per provider.

To streamline this process, MoneyGeek's car insurance calculator presents a swift alternative. By simply inputting key details such as age, driving history, credit score and desired coverage, you can receive instant estimates.

Choosing the right auto insurance rests on your personal preferences, including service quality, cost and coverage options. MoneyGeek has identified the leading car insurance providers in Hampton for varied needs:

• Best overall: Erie (MoneyGeek score 88 out of 100)
• Best for service: Cincinnati Insurance(MoneyGeek score 86 out of 100)
• Best cheap: Erie (MoneyGeek score 88 out of 100)

Erie emerges as the top choice in Hampton for its superior combination of service and cost-effectiveness. On the other hand, Cincinnati Insurance stands out for its exceptional service quality.

MoneyGeek found that Erie offers the best option for car insurance in Hampton, providing top-tier services.

• Erie: MoneyGeek score of 88 out of 100 ($892 per year)
• Cincinnati Insurance: MoneyGeek score of 88 out of 100 ($1,028 per year)

Erie distinguishes itself with exceptional customer satisfaction and affordability based on a full coverage policy.

MoneyGeek found that Cincinnati Insurance offers the best car insurance for customer service in Hampton.

• Cincinnati Insurance: MoneyGeek score of 86 out of 100 ($1028 per year)
• Erie: MoneyGeek score of 84 out of 100 ($892 per year)

Cincinnati Insurance stands out for its exceptional customer satisfaction and coverage options, which are the largest contributors to its MoneyGeek score.

MoneyGeek found that Erie is the top-notch provider for the most affordable car insurance in Hampton, balancing cost-effectiveness with reliable service.

• Erie: MoneyGeek score of 88 out of 100 ($455 per year)
• Cincinnati Insurance: MoneyGeek score of 88 out of 100 ($459 per year)

Erie distinguishes itself with its unparalleled combination of low-cost premiums, top-tier claims handling, and high customer satisfaction.

In Hampton, Virginia, the average cost of car insurance is $1,075, slightly less than the state average of $1,086. Virginia's average car insurance cost remains considerably lower than the national average, with Virginians paying an average of $1,086 compared to the national figure of $1,781.

Car insurance premiums account for many factors, including location. Risks associated with areas with high traffic density typically drive up insurance rates. Norfolk exhibits the highest average premium, at $1,036, while the most economical insurance can be found in Virginia Beach, with an average premium of $900. These differences show how location influences insurance rates.