Chesapeake Car Insurance

Your Complete Guide to Chesapeake, VA Car Insurance

(Find the best car insurance policy for you)

Chesapeake Virginia car insurance

Every year, Chesapeake Bay brings in thousands of tourists. Whether they come to enjoy fishing, crabbing, or swimming, there are many unfamiliar drivers on the road. Having a high-quality Chesapeake car insurance policy is a good idea to protect yourself.

You’ll find help comparing local insurers to get good coverage and a good deal with an independent insurance agent. A Trusted Choice® member has access to Chesapeake auto insurance quotes from multiple top-rated companies. Chat with an agent to get started.

How much does car insurance cost in Chesapeake, VA?

  • National average cost per year: $1,311
  • Virginia average cost per year: $993

Car insurance rates in Virginia tend to be much cheaper than in other states. You’ll want to keep in mind that this is only an estimate of how much your policy will cost you. Insurance quotes will take into consideration several factors unique to you, such as age, how long you’ve driven, and your driving record.

How to save money on your policy

As cheap as auto insurance can be for the average driver in Virginia, it can get even cheaper if you’re a good driver. Car insurance discounts are a nice way to lower your premiums. Even with a not-so-great driving record, there will probably be some discounts you qualify for.

Here are some discounts that you may want to investigate:

  • Safety discounts: If your insurance carrier believes that you are less likely to get into an accident, like a good driver record, you may fall into this discount.
  • Bundling discounts: If you buy multiple types of insurance through the same carrier, you may get a deal. This also works if you insure multiple cars on the same policy.
  • Loyalty discounts: If you stay with an insurance company for a long time (depending on the carrier).

An independent insurance agent can help you find discounts that work for you. They stay on top of the industry and the latest discounts, so you don’t have to.

Virginia is a “Fault” Car Accident State

If you’re at fault for an accident, you’re also liable for any resulting harm. However, you do have the option to buy Med Pay coverage in this state. This will help pay for medical bills that incur after an accident. It will also cover any passengers in the vehicle of the insured driver.

Vehicle Theft in Chesapeake, VA

  • National average of auto thefts per 100,000: 214.6
  • Chesapeake average of auto thefts per 100,000: 127.9

With such a low auto theft rate, you may not think you need a comprehensive car insurance policy. However, it is always a good idea to be protected when the unpredictable happens. It’ll help protect you in case your car is stolen, or help pay for repair costs if your car is damaged because of a break-in.

How much coverage do you need in Chesapeake, VA?

When you’re applying for auto insurance, one of the most important questions to think about is how much coverage is right for you. You’ll want to decide how high you want your deductible to be, liability limits, and other additional coverages. 

The minimum amount of liability coverage in Chesapeake are:

  • $25,000 for bodily injury or death of one person
  • $50,000 for total bodily injury or death liability
  • $20,000 for property damage per accident

Your liability coverage pays for property damage, medical bills, and other costs of passengers, and drivers who are injured. If your policy limits are reached, you’ll be personally responsible for any leftover financial bills. It's important to remember that your liability coverage won’t cover your own injuries or vehicle damage. So, it’s a good idea to purchase additional coverage, such as:

Collision coverage: this will pay for the repair or replacement of your vehicle if you are in a crash. This policy covers damage in a car accident, whether it was your fault, or not.

Comprehensive coverage: it is one of the most popular add-ons to a policy. This insurance covers everything that isn’t covered by collision or liability insurance. Comprehensive coverage will protect against theft, flooding, or flying debris.

Roadside Assistance Coverage: It is usually just a few extra dollars a month to guarantee that if you need a tow or a battery jump, you’re covered. This will also cover gas delivery and locksmith services.

What about uninsured motorists in Chesapeake, VA?

National average of uninsured motorist: 13%

Virginia average of uninsured motorist: 10%

You are not required to purchase uninsured motorist coverage, but it may be a good idea. This will pay for any expenses related to an accident if you are hit by someone without insurance. It’ll also cover the difference if the other driver doesn’t have enough insurance coverage.

How to find a Car Insurance Policy in Chesapeake, VA?

A Chesapeake independent agent can compare multiple policies and quotes from numerous insurance companies for you. They’ll find coverage within your needs and budget to find the one you want. When you’re ready, chat with an independent insurance agent to get started.

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