Despite the fact that much of Chesapeake was rural, there are still16 Motor vehicle accidents that resulted in death2019 was the latest year for which records exist. There are many more accidents that don’t involve fatalities. Drivers should do their research to find the best Chesapeake car insurance.Average cost of a policy is $527 for minimum coverage, $1,357 full coverage, which includes collision and comprehensive.
To locate the best car insurance companies in Chesapeake, we partnered with Quadrant Information Services to see who was writing the cheapest car insurance in Chesapeake. To determine which insurers should be your first choice when searching for auto insurance, we also looked at customer service quality.
The best car insurance companies in Chesapeake
After determining which companies were offering the cheapest rates to Chesapeake drivers, we reviewed the companies’ ratings on J.D. We reviewed Power’s regional customer satisfaction list. We examined the types of coverages offered by each company and what discounts are available to lower your rates. We also looked at how easy it was for customers to use the company’s website and app. These are the five companies that scored the highest, sorted from lowest to most expensive full coverage premiums.
All over the country
Nationwide’s average rate of full coverage was $778 per year. It also had the lowest minimum rate. Nationwide might be an option if you are looking to save money.
Nationwide allows you to customize your policy by adding gap coverage, rental car expense, and accident forgiveness. For safe driving, a vanishing deductible lets you earn $100 each year off your deductible. Almost a dozen discounts help to bring your rate down even lower if they apply.
USAA
USAA only sells insurance policies to military personnel and their families. It is worth requesting a quote if you fit this description. Its rates are very affordable, and it has a great reputation for excellent customer service as demonstrated by its high score at J.D. Power’s listing.
USAA provides great perks for military personnel, in addition to the standard coverages that come with a policy. You can get up to 15% off your comprehensive coverage by having your vehicle stored on-base. You can save up to 60% if you store your vehicle in storage while you’re deployed.
State Farm
State Farm is the number one insurer of cars in the U.S., writing more than 16% of the country’s policies. There are many reasons why it is so popular. Customer service is the number one ranking on the J.D. You can expect professional, efficient service from claims representatives and agents.
State Farm’s 13 discounts keep your rates reasonable, and optional coverages allow you to customize your policy to meet your own needs. State Farm’s website is one of our favorites. It is simple to make claims online, pay bills, and file and manage your claims. The app is also available on Android and Apple.
Erie
J.D. ranks Erie second in J.D. Power’s regional customer satisfaction ranking shows that Power takes customer service seriously. Your insurance company should be easy and efficient. Although its rates are at the top of our list, they still fall below Chesapeake averages.
Erie provides all types of insurance, including basic policies, as well as nice extras like pet coverage, first accident forgiveness (after 3 years without a claim) and windshield repair. Erie’s RateLock option means that your premium won’t increase as long you keep your car at the same address.
Geico
Geico, the well-known insurance company that claims to be able to save you 15% in just 15 minutes, is a good choice for Chesapeake drivers. It has reasonable rates for minimum coverage, and slightly higher rates for full coverage.
Geico doesn’t offer many optional coverages. It only offers roadside assistance and rental reimbursement. Where it does excel, though, is in the number and quality of discounts offered, some of which are worth 20% or more savings on your premium.
Cheapest car insurance in Chesapeake
The average cost for car insurance in Chesapeake costs $1,357 for complete coverage. This is just a little above the Virginia state average of $1,304 but less than the national average, which is $1,674 per year.
Below is a table that shows which companies offer the lowest prices for auto insurance in Chesapeake. Our “Best Of” list includes three of them: Nationwide, Geico, and USAA. Both Mercury and Travelers are worth considering, especially if your goal is to save money.
The prices for Chesapeake drivers are very affordable, and they offer both excellent optional coverages and a wide range of discounts. They are a good choice if you own or lease hybrid cars. There are also discounts for being eco-friendly.
Mercury is a regional insurance company with many positive points. They offer basic coverage options as well as a guarantee for repairs made at Mercury-authorized repair shops. They will work with local Chesapeake representatives to get you the best rates and customize your policy to fit your needs.
Notice: These premiums are for 12 months coverage
Chesapeake Insurance requirements
Like most states, Virginia requires drivers to carry a minimum level of car insurance to be on the road legally. This is the minimum required car insurance. It is typically written 25/50/20.
- $25,000 bodily injury liability per individual in a single accident
- $50,000 bodily injury liability in the event of all injuries sustained in one accident
- $20,000 per accident property damage liability
Your lender may require you to have collision and comprehensive insurance if you are leasing a car or taking out a loan on a vehicle.
These are state requirements. However, this does not mean that you should not purchase additional insurance if you have the means to do so. If there are severe injuries, the minimum amount for bodily injury liability may not be sufficient. You might be liable for any additional costs incurred if you cause an accident that damages the car of another driver.
Discounts on car insurance in Chesapeake
When searching for the best Chesapeake car insurance, the policyholder’s secret weapon is the discount on their car insurance. They are offered by almost all insurance companies and can help you save significant amounts on your premiums. These are the most popular ones in the area:
- BundlingThis discount is very common if you have your homeowners or renters insurance as well as your car insurance.
- Continuous insuranceYou may be able to save money if your insurance policy is in place for a set amount of time, such as six months.
- Electronic paymentsSet up an EFT payment method for your monthly premiums to receive a discount. If you pay all of your premiums at once, there may be another.
- Policy without paperMany companies will offer a discount if your policy paperwork is electronically received via email.
- Telematics (usage-based)You can save up 30% by downloading an app to your smartphone to monitor your driving habits.
Questions frequently asked
Which is the best auto insurance company?
Your experience might be different so the best car insurance company may not be right for you. To find the best car insurance company for your own needs, one strategy is to gather several quotes and see who offers you the best rates.
What is the cost of car insurance in Chesapeake?
The cost of Chesapeake car insurance is $527 for basic coverage and $1,357 to cover full coverage. Your rate will likely differ due to the fact that it is dependent on many factors such as your make, model, age, location, gender, marital status, and age.
What amount of car insurance do you need in Chesapeake
Although 25/50/20 is the minimum amount of car insurance in Chesapeake, many insurance professionals recommend that you have as much coverage as possible. As 100/300/50 is more likely to cover you in case of serious accidents, it is frequently recommended.