Car Insurance in Chesapeake, Virginia
Estimated full coverage in Chesapeake runs about $1,405 a year ($117/month) — ▲ +3% versus the Virginia average, ranking 9th most expensive of the 13 Virginia cities we cover.
Why car insurance in Chesapeake costs more than the Virginia average
Insurers price by territory, and Chesapeake's numbers explain most of the gap. With 254,997 residents on 338.5 square miles, the city's density (753 people per square mile) is 99% higher than the density where the typical Virginia resident lives (378). The average commute is 25.8 minutes (Virginia: 27.3), and 76% of workers drive alone. Together these put our location factor at 1.02× the state baseline for liability and collision, and 1.03× for comprehensive once FEMA weather risk for Chesapeake city is included.
| Factor | Chesapeake | Virginia ref. | Why it matters |
|---|---|---|---|
| Population density | 753 / sq mi | 378 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 25.8 min | 27.3 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 4.0% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 75.7% | — | Share of workers commuting by car. |
| Public transit to work | 0.6% | — | Transit use lowers how much residents drive. |
| Work from home | 13.1% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 5.0% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 66.4 | 62.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Chesapeake
Rates can change from one ZIP code to the next. Across 6 Chesapeake ZIP codes, our full-coverage estimate ranges from $1,380 in 23322 to $1,505 in 23324. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 23322 | 66,956 | 357 | 28.4 min | 2.4% | $1,380 | −2% |
| 23320 | 59,108 | 1,862 | 24.0 min | 5.0% | $1,450 | +3% |
| 23323 | 43,043 | 525 | 26.2 min | 3.0% | $1,385 | −1% |
| 23321 | 40,176 | 1,507 | 26.0 min | 3.5% | $1,455 | +4% |
| 23324 | 24,670 | 3,708 | 24.7 min | 17.1% | $1,505 | +7% |
| 23325 | 19,138 | 5,076 | 22.3 min | 4.8% | $1,500 | +7% |
Minimum car insurance in Chesapeake
Chesapeake drivers follow Virginia's rules: at least 50/100/25 liability coverage, and uninsured motorist coverage. Virginia is at-fault (tort). We estimate state-minimum coverage in Chesapeake at $640 a year, and $775 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $50,000 per person / $100,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Virginia does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 50/100/25 Every liability policy must include uninsured motorist coverage at no less than the minimum liability limits. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | Yes | 50/100/25 Virginia's required uninsured motorist coverage also protects against underinsured drivers. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical expense benefits coverage is optional. | Medical bills for you and your passengers |
Every vehicle registered in Virginia must be insured; paying an uninsured motor vehicle fee instead of buying insurance is no longer allowed.
Minimums were raised recently from 30/60/20, and the uninsured motor vehicle fee option was eliminated.
Risk factors that shape Chesapeake premiums
Accidents
Virginia recorded 917 traffic deaths, or 1.04 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Virginia's vehicle theft rate is 112 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Honda Accord (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Chesapeake city as relatively low for hail, relatively moderate for inland flooding and very low for strong wind, and relatively moderate for hurricanes.
Traffic & commuting
4.0% of Chesapeake commuters spend an hour or more getting to work, and there are 2.01 vehicles per household. 13.1% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 61.4 | Comprehensive (car); roof claims (home) | |
| Tornado | 71.8 | Comprehensive; dwelling | |
| Hurricane | 92.0 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 82.9 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 80.6 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 9.5 | Comprehensive; dwelling | |
| Winter weather | 36.1 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Chesapeake by driver profile
A clean-record driver in their 50s pays the least in our Chesapeake model (about $1,290 for full coverage); an 18-year-old on their own policy pays about $3,860, and a DUI pushes a 30-something to $2,600.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,765 | $2,135 | $3,860 | $322 |
| Young adult (22) | $1,025 | $1,240 | $2,245 | $187 |
| Adult in their 30s | $640 | $775 | $1,405 | $117 |
| Adult in their 50s | $590 | $715 | $1,290 | $108 |
| Senior (72) | $720 | $870 | $1,575 | $131 |
| 30s, one at-fault accident | $930 | $1,125 | $2,035 | $170 |
| 30s, DUI on record | $1,190 | $1,435 | $2,600 | $217 |
Minimum vs. standard vs. full coverage in Chesapeake
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $640 | $54 | $525–$760 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $775 | $65 | $635–$915 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,405 | $117 | $1,150–$1,655 |
Estimate your premium in Chesapeake
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Cheap car insurance in Chesapeake: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Chesapeake's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $90 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $100 | You're among the 13.1% of Chesapeake workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $345 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $630 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $310 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Chesapeake
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 51 offices listed below.
- Check complaint records with the Virginia Bureau of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Chesapeake, our estimates differ by up to $125 a year between neighborhoods.
Car insurance agents near Chesapeake, VA
We found 51 insurance offices within about 14 miles of central Chesapeake, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Jessica Hester - State Farm
1245 Cedar Road, Suite J, Chesapeake, VA 23322 -
Zack Keaton - State Farm
644 Grassfield Parkway, Suite 27, Chesapeake, VA 23322 -
Garry Campbell - State Farm
308 Cedar Lakes Dr. Suite 102 Corner of Cedar Rd & Cedar Lakes Dr, Chesapeake, VA 23322 -
Corey Jones - State Farm
237 Carmichael Way, Suite 225, Chesapeake, VA 23322 -
Insurance Office
552 Battlefield Boulevard South, Chesapeake, VA 23322 -
Allstate
Chesapeake, VA -
Al Vincents Auto Insurance
442 Battlefield Boulevard South, Chesapeake, VA 23322 -
Farmers Insurance - Theresa Woolard
311 Johnstown Road, Chesapeake, VA 23322 -
Allison Plante State Farm Insurance
200 North Battlefield Boulevard, #6, Chesapeake, VA 23320 -
Stewart Deacon - State Farm
2605 Moses Grandy Trail, Suite A, Chesapeake, VA 23323 -
John Daves - State Farm Insurance Agent
501 North Battlefield Boulevard, Chesapeake, VA 23320 -
AAA Insurance
111 Kempsville Road, Chesapeake, VA 23320 -
Farmers Insurance
VA -
Erie Insurance
516 Innovation Drive, Suite 301, Chesapeake, VA 23320 -
Chubb Insurance
600 Independence Parkway, Chesapeake, VA 23320 -
Al Vincents Progressive Auto Insurance
1024 Battlefield Boulevard North, Chesapeake, VA 23320 -
Erie Insurance
1105 Madison Plaza, Suite 100, Chesapeake, VA 23320 -
Aaron Keels - Farmers Insurance
1200 Battlefield Blvd N, Chesapeake, VA 23320 -
Lee Ann Sullivan - Allstate
640 Independence Pkwy, Ste 200, Chesapeake, VA 23320 -
Erie Insurance
638 Independence Parkway, Suite 220, Chesapeake, VA 23320 -
GEICO
109 Volvo Parkway, Chesapeake, VA 23320 -
Kathy Kretz - State Farm
838 Old George Washington Hwy, Suite H, Chesapeake, VA 23323 -
Insurance Doctor
VA -
State Farm
VA -
Krystal Renee Jones-Dent - Farmers Insurance
1021 Eden Way N, Chesapeake, VA 23320 -
Jenel Proctor - State Farm
1428 Kempsville Road, Suite B, Chesapeake, VA 23320 -
Alysha Parks - Allstate
870 Greenbrier Cir, Chesapeake, VA 23320 -
Pierre Granger - State Farm
5705 Lynnhaven Parkway, Suite 104, Virginia Beach, VA 23464 -
Janney Agency, LLC
1369 S Military Hwy, Chesapeake, VA 23320 -
Joe Sictor - State Farm
1365 S Military Hwy, Suite 100, Chesapeake, VA 23320 -
Nationwide
VA -
Direct Auto Insurance
2552 Airline Boulevard, Portsmouth, VA 23701 -
Tracey Vinson - State Farm
3900 Greenway Ct N, Portsmouth, VA 23707 -
Willis Roberts - Allstate
6111 Portsmouth Blvd, Portsmouth, VA 23701 -
Jason McMahan - Allstate
1300 Kempsville Rd, Ste 2, Virginia Beach, VA 23464 -
Anthony Knight - Allstate
4221 Pleasant Vall Rd, Ste 105, Virginia Beach, VA 23464 -
Milt Rawles - State Farm
5265 Providence Rd, Ste 200, Virginia Beach, VA 23464 -
Donnie Gill - State Farm
4448 Portsmouth Blvd, Suite 100, Chesapeake, VA 23321 -
Howard Jackson - State Farm
733 Boush Street, Suite 103, Norfolk, VA 23510 -
Kathy Verschelde - Allstate
5237 Princess Anne Rd, Virginia Beach, VA 23462
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Chesapeake
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,060 | −25% |
| Subaru Outback | Wagon | $1,050 | −25% |
| Tesla Model 3 | Midsize car | $1,475 | +5% |
| Subaru Forester | Small SUV | $1,025 | −27% |
| Honda Civic | Compact car | $1,605 | +14% |
| Toyota Corolla | Compact car | $1,505 | +7% |
| Jeep Wrangler | Midsize SUV | $1,190 | −15% |
| Mazda CX-5 | Small SUV | $1,190 | −15% |
| MINI Cooper | Subcompact car | $1,065 | −24% |
| Tesla Model Y | Midsize SUV | $1,330 | −5% |
More car insurance topics in Chesapeake
Car insurance in nearby Virginia cities
- Norfolk $1,515/yr · 12 mi
- Virginia Beach $1,435/yr · 17 mi
- Suffolk $1,375/yr · 18 mi
- Newport News $1,470/yr · 22 mi
- Hampton $1,460/yr · 25 mi
- Richmond $1,475/yr · 87 mi
- Fredericksburg $1,575/yr · 129 mi
- Charlottesville $1,415/yr · 152 mi
- Alexandria $1,665/yr · 154 mi
- Lynchburg $1,340/yr · 167 mi
- Danville $1,350/yr · 172 mi
- Roanoke $1,400/yr · 206 mi
All Virginia cities and state rules · Homeowners insurance in Chesapeake
Frequently asked questions
How much is car insurance in Chesapeake, VA?
We estimate full coverage in Chesapeake at about $1,405 a year ($117 a month) for a driver in their 30s with a clean record, and about $640 for Virginia's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Chesapeake more expensive than the Virginia average?
Our Chesapeake estimate is 3% higher than the statewide figure. The model reflects a population density of 753 people per square mile (the typical Virginia resident lives at about 378) and an average commute of 25.8 minutes versus 27.3 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Chesapeake?
Drivers in Chesapeake follow Virginia law: at least 50/100/25 liability coverage and uninsured motorist coverage.
Which ZIP code in Chesapeake has the cheapest car insurance?
Among Chesapeake's 6 ZIP codes, 23322 has the lowest estimate (about $1,380 a year for full coverage) and 23324 the highest (about $1,505), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Chesapeake?
An 18-year-old with their own full-coverage policy would pay around $3,860 a year in Chesapeake by our estimate ($1,765 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Chesapeake?
FEMA's National Risk Index does not rate Chesapeake city as high risk for hail, hurricanes, flooding or tornadoes, so weather has a smaller effect on the comprehensive part of local premiums.
Are there car insurance agents near me in Chesapeake?
We list 51 insurance offices in and around Chesapeake, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Virginia DMV: Vehicle Insurance Coverage Requirements Change January 1
- Virginia DMV: Insurance Requirements
- Virginia DMV: New Laws Take Effect July 1, 2024 (UMV fee eliminated)
- Code of Virginia 38.2-2206 (uninsured motorist insurance coverage)
- Virginia DMV: Financial Responsibility Certifications (SR-22/FR-44)
- Virginia DMV: A Guide to Reinstating Your Virginia Driving Privilege
- Virginia SCC Bureau of Insurance: File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Chesapeake and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places