Cheapest Auto Insurance in Chesapeake, Virginia (2026)

In Chesapeake, Virginia, the average monthly cost of auto insurance is $153. This is higher than the statewide average of $141 but lower than national average of $136. 

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.

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.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best for
Auto-Owners	8.2	$99	$61	Liability-only coverage
State Farm	9.3	$101	$62	Drivers with an accident
GEICO	9.2	$101	$111	Military members and veterans

Disclaimer: Table data sourced from real-time Chesapeake car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Chesapeake may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  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

liability coverage

Compare Quotes

User Reviews	4.3 148 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$58/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$111/mo

Details

Driver Reviews

4.3

Best choice in Chesapeake, VABased on 323 verified driver reviews and ratings

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best in Chesapeake for

Cheap rates

Senior drivers

Ample discounts

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best in Chesapeake for

Cheap rates

Senior drivers

Ample discounts

Showing recent national reviews - See all 148 Auto-Owners reviews

Darryl

Verified Review

Insurance Shopping

Reviewed in Missouri on March 22, 2026

Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.

Norberto

Verified Review

Excellent

Reviewed in Florida on March 21, 2026

Definitely not the cheapest insurance you can buy.

Wayne

Verified Review

Cost too much for someone who never had a claim

Reviewed in Florida on March 2, 2026

Never had a claim.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

654

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.46

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Since Chesapeake is located within the Hampton Roads region — which recorded the highest rate of vehicle crashes in Virginia in 2022 — it’s important to have liability insurance.^[2] Auto-Owners charges the lowest rates in Virginia for liability-only policies. This coverage pays for losses caused to others but not damage to a policyholder’s vehicle.

In addition to auto insurance, Auto-Owners offers homeowners insurance, renters insurance, pet insurance, life insurance, and more.

Pros

• A+ rating from the Better Business Bureau (BBB)

• Fewer complaints than average, according to the National Association of Insurance Commissioners (NAIC)

Cons

• Not available in every state

• Quotes only available via agents

Best insurer for drivers with an accident: State Farm

Drivers with an Accident

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User Reviews	4.0 7,307 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$60/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$114/mo

Details

Driver Reviews

4.0

Best choice in Chesapeake, VABased on 16,608 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Chesapeake for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Chesapeake for

Customer service

Competitive rates

Discounts for safe drivers

Showing 40 Virginia reviews for Chesapeake drivers - See all 7,307 State Farm reviews

James

Verified Review

Average

Reviewed in Virginia on March 20, 2026

Good service but too expensive.

Larry

Verified Review

Not pleased that State Farm is overpriced

Reviewed in Virginia on March 12, 2026

Shop around. State Farm is high but good.

Sandra

Verified Review

So Far Good Experience

Reviewed in Virginia on March 10, 2026

My experience was good. I have a problem using the app.

Holly

Verified Review

Frustrated Customer

Reviewed in Virginia on February 27, 2026

My policy increased consistently, even with no accidents and no tickets. Then when I had an accident, they dropped my coverage.

Richard

Verified Review

When you want to save money

Reviewed in Virginia on February 26, 2026

State Farm is good but has gotten expensive.

Robert

Verified Review

State Farm Ripoff

Reviewed in Virginia on February 19, 2026

They set their policies to get more money from the customer. I have the discounts available on my policy, and they increase their fee every month.

Bernard

Verified Review

My State Farm Agency Settlement of Minor Vehicle Bump

Reviewed in Virginia on February 16, 2026

I had a very minor bump at the local landfill with another vehicle last fall. Whether I was at fault was very questionable. I was never notified by State Farm about any settlement.

Jodi

Verified Review

Too expensive for a 2013 car. More than my health insurance. Actively looking for another cheaper insurance.

Reviewed in Virginia on January 9, 2026

Too expensive for a 2013 car. More than my health insurance. Actively looking for another cheaper insurance.

John

Verified Review

The Good, the Bad, and the Ugly

Reviewed in Virginia on January 5, 2026

I am 74. I actually have an employee of the agency call when I have a premium due. I have a clean driving record. All of my vehicles have liability-only coverage and most have farm tags. It is not cheap. The online process to shop for insurance is daunting. What is real and what is BS? To disclose personal info to a bot or someone that cannot communicate clearly is downright scary. A high premium with State Farm is much safer and affords peace of mind.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

For motorists involved in the 2,571 collisions in Chesapeake in 2022, State Farm may be a good choice for auto insurance.^[3] State Farm offers some of the most affordable rates for Virginia drivers with an accident on their record. In fact, the insurer’s premiums after an at-fault claim come in at less than half of what some competitors charge.

Pros

• Above-average J.D. Power customer satisfaction rating in the Mid-Atlantic region 

• Network of 19,000 agents provides in-person support, but quotes also available online

Cons

• Gap insurance not available

• Not as many discounts as some competitors

Best insurer for military members and veterans: GEICO

Military Members and Veterans

Compare Quotes

User Reviews	3.9 7,547 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$108/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$187/mo

Details

Driver Reviews

3.9

A solid option in Chesapeake, VABased on 16,870 verified driver reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Chesapeake for

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Chesapeake for

Teen drivers

Cheap rates

Accident forgiveness

Showing 28 Virginia reviews for Chesapeake drivers - See all 7,547 GEICO reviews

Anthony

Verified Review

Auto policy is way too expensive

Reviewed in Virginia on March 28, 2026

I will be looking to change soon. GEICO is way too expensive.

Jason

Verified Review

Geico is good value

Reviewed in Virginia on March 27, 2026

I haven't needed to make any claims yet, but they are better priced than most of the other companies.

Stanley

Verified Review

Stan Haas review of GEICO experience

Reviewed in Virginia on March 26, 2026

I thought it was mediocre. They wanted me to take photos. They wanted me to take my car to a different repair shop than the one I usually use. After calling my usual repair shop, I was informed of the difficult process some insurance companies (not necessarily GEICO) use about using off-market parts, etc. Eventually, GEICO gave in to my requests.

Diane

Verified Review

It's Been Fine

Reviewed in Virginia on March 21, 2026

They are fine, but I would like them to be cheaper.

Linda

Verified Review

I have had them for over 2 years, and the car is getting older, but the prices keep going up. I haven't had any accidents in over 40 years. All insurance is sky high.

Reviewed in Virginia on March 6, 2026

I have had them for over 2 years, and the car is getting older, but the prices keep going up. I haven't had any accidents in over 40 years. All insurance is sky high.

Que

Verified Review

Check the fine print, and you do not owe them loyalty

Reviewed in Virginia on March 2, 2026

Huge increase every 6 months, even though I had no claims for 17 years!

Anthony

Verified Review

Dissatisfied with Rate Increase

Reviewed in Virginia on February 20, 2026

My policy renewal increased by over $100 for no reason. I haven't gotten a ticket or been in an accident. I have the safe drive app, but there's misinformation when using it. I train drivers, so most of the time I'm not driving when using my phone, and it's too much trouble trying to adjust whether I'm driving or not.

Margurita

Verified Review

Rate and Price

Reviewed in Virginia on February 10, 2026

Better rates and lower prices.

Mary

Verified Review

Even if it hurts, choose integrity.

Reviewed in Virginia on February 6, 2026

My policy doubled due to a parking issue. I was parallel parking and scraped the car behind me. It was my fault. But doubling my policy payment? I've been a customer for over thirty years. I owed the man behind me honesty, so I left a note on his windshield. However, the hike in my premiums is making it almost unaffordable to keep the car. They have been a good insurance company for the thirty-plus years I have enjoyed their coverage. I trust them. They send a locksmith or a battery jump when needed over the years. Two of my three adult children also use them.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Chesapeake is home to more than 28,000 veterans, as well as many military members in its rural southern area, where the NSA Northwest Annex is located.^[4] Active-duty and retired military qualify for special discounts from GEICO, making it a top choice for people in the service.

Pros

• A+ rating from the BBB

• Competitive rates and numerous available discounts

Cons

• Below-average J.D. Power customer satisfaction rating in the Mid-Atlantic region

• Rideshare insurance and gap insurance not available

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:^[5]

• 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.

Find Cheap Car Insurance in Chesapeake, Virginia

Liability-only quotes start at $58 per month

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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 $124 per month in Chesapeake. The table below shows some of the most affordable insurers for drivers who want minimum coverage at lower rates.

The below rates in Chesapeake, VA, are estimated rates current as of: Wednesday, April 1 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Auto-Owners	$58
State Farm	$60
USAA	$80
CSAA	$87
Chubb	$88
Mercury	$91
Erie	$92
Elephant	$95
Nationwide	$104
GEICO	$108
National General	$113
Bristol West	$114
Direct Auto	$122
Progressive	$122
Allstate	$126
GAINSCO	$126
Safeco	$132
Dairyland	$148
Liberty Mutual	$153
Trexis	$155
Root	$156
AssuranceAmerica	$162
The General	$162
Travelers	$168
Trexis One	$176
Clearcover	$180

Disclaimer: Table data sourced from real-time Chesapeake car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Chesapeake may vary based on the policy buyer's unique driver profile.

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 $181 per month in Chesapeake, on average. The table below shows some of the most affordable Chesapeake insurers offering full-coverage policies.

The below rates in Chesapeake, VA, are estimated rates current as of: Wednesday, April 1 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Auto-Owners	$111
State Farm	$114
Elephant	$147
CSAA	$148
USAA	$153
Progressive	$164
Chubb	$167
Mercury	$173
Erie	$174
GEICO	$187
Safeco	$196
Nationwide	$198
Bristol West	$202
National General	$210
Direct Auto	$219
Liberty Mutual	$219
Allstate	$238
Root	$241
GAINSCO	$273
AssuranceAmerica	$276
Trexis	$300
Travelers	$320
Dairyland	$331
Clearcover	$340
The General	$359
Trexis One	$381

Disclaimer: Table data sourced from real-time Chesapeake car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Chesapeake may vary based on the policy buyer's unique driver profile.

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:^[6]

Coverage	Minimum Requirements
Bodily injury liability	$30,000 per person / $60,000 per accident For policies on or after Jan. 1, 2025: $50,000 per person / $100,000 per accident
Property damage liability	$20,000 per person For policies on or after Jan. 1, 2025: $25,000 per person

In addition to the minimum required coverage, many other types of optional coverage are also available in Chesapeake, including the following:

• 

  Collision coverage

  Collision insurance pays for damages to your vehicle caused by a crash.

• 

  Comprehensive coverage

  Comprehensive insurance covers damages to your vehicle not caused by a crash but by theft, vandalism, or other non-collision causes.

• 

  Uninsured/underinsured motorist coverage

  Uninsured/underinsured motorist coverage pays for damages caused by drivers without sufficient insurance.

• 

  Medical payments coverage

  Medical payments coverage pays for medical bills and lost wages to policyholders and their passengers after a crash.

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 $225 per month for drivers with speeding tickets, while drivers with DUIs on their records face an average monthly cost of $229 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.

The below rates in Chesapeake, VA, are estimated rates current as of: Wednesday, April 1 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket	With At-Fault Accident	With DUI
Auto-Owners	$58	$75	$76	$80
State Farm	$60	$76	$78	$83
USAA	$80	$103	$106	$110
CSAA	$87	$111	$127	$120
Chubb	$88	$111	$115	$121
Mercury	$91	$127	$136	$130
Erie	$92	$121	$121	$126
Elephant	$95	$113	$123	$131
Nationwide	$104	$135	$138	$143
GEICO	$108	$141	$139	$147
National General	$113	$140	$148	$155
Bristol West	$114	$143	$148	$157
Direct Auto	$122	$152	$165	$168
Progressive	$122	$152	$158	$154
Allstate	$126	$164	$167	$173
GAINSCO	$126	$150	$159	$173
Safeco	$132	$173	$183	$194
Dairyland	$148	$184	$194	$204
Liberty Mutual	$153	$194	$201	$210
Trexis	$155	$193	$200	$196
Root	$156	$207	$206	$215
AssuranceAmerica	$162	$205	$213	$223
The General	$162	$216	$221	$223
Travelers	$168	$217	$224	$231
Trexis One	$176	$219	$228	$222
Clearcover	$180	$232	$260	$248

Disclaimer: Table data sourced from real-time Chesapeake car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Chesapeake may vary based on the policy buyer's unique driver profile.

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.^[7] 

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.^[8]

The table below shows the average cost of car insurance by age in Chesapeake:

Age	Average Monthly Quote
Teens	$290
20s	$200
30s	$148
40s	$135
50s	$121
60s	$112
70s	$116

Disclaimer: Table data is based on real-time Chesapeake quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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Chesapeake car insurance quotes by credit tier

Virginia allows insurance companies to consider credit history when setting auto insurance rates.^[9] 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