Hampton, Virginia is small with just 136,000 residents. The coastal town’s Traffic Unit consists of just one sergeant and four officers who ride around on motorcycles. You will likely encounter one or more officers while driving every day. You could be charged for not having Hampton car insurance.
A valid policy is less expensive than a fine. Car insurance rates in Hampton, VA are $528 per annum for minimum coverage and $1,377 for full coverage. If you’re willing to do some research, you may be able find lower prices than the average Hampton car insurance cost. We bring you the best car insurance companies in Hampton based on Bankrate data on pricing, as well as customer ratings and carrier offerings.
Hampton’s best car insurance companies
The following table features major carriers in the area offering the cheapest car insurance in Hampton. There are more factors to consider when choosing an auto insurance company than just cost. It is important to choose a company that is accessible when you need it and responds quickly to claims. We used Bankrate’s pricing data and J.D. to find the best carriers. Power’s customer satisfaction survey to assess ratings from policyholders.
USAA
USAA provides the lowest car insurance in Hampton and the best customer service rating by J.D. Power Insurance is not available to qualifying members of the Armed Forces, or eligible family members.
You may be able to get coverage that is tailored for military personnel for as low as $30 per month. Policyholders who store their vehicles while on deployment can get up to 60% off standard car insurance, including liability, collision and comprehensive coverage.
Alfa
Hampton residents unable to get basic car insurance with USAA should consider Alfa for cheap car insurance. The average rate for minimum insurance is $366 per annum, which is far lower than the average in the area. Alfa also scores high in the J.D. The Power study proves that you don’t have to sacrifice service if you are on a tight budget.
Compare quotes from other carriers if you require full coverage for your vehicle. Alfa’s complete coverage package is the most costly of all the Hampton car insurance companies that made it onto the list.
Travelers
Travelers Insurance offers competitive rates to all drivers, including those who need the lowest minimum coverage or vehicle owners who are looking for comprehensive insurance. Hampton residents who need minimum coverage to drive legally could start with Travelers Insurance. They can also customize their policy by selecting from the optional coverages offered by Travelers.
Some of the add ons available include rideshare insurance that insures drivers while they work driving passengers or making deliveries, gap coverage for leased or newly financed vehicles, accident forgiveness and new car replacement.
All over the country
Nationwide offers the best full-coverage car insurance in Hampton. The annual premiums for Nationwide are $798, which is over $100 more than the next lowest insurance company.
It may be a smart decision to upgrade to full coverage. Your car may be eligible for coverage if it is damaged or destroyed by an at-fault event, such as fire, theft, or weather-related damage. Considering that cyclones, heavy rain and flooding are common in coastal Hampton, full car insurance could financially protect you if your vehicle suffers severe damages.
Hampton has the lowest car insurance
How does Hampton’s car insurance compare with the rest of the country. The national average cost of full car insurance is $1,674 per year. VIrginia has a lower rate at $1,304 per year. Hampton coverage is $1,377 less than Virginia. The rates of the four top Hamptons car insurance companies we chose ranged from $798 to $1074, per year. The right carrier could make a big difference in how much you can pay.
USAA, the lowest-cost carrier for minimum car insurance, is only available to military personnel. Geico is the next best choice for car owners who need the most affordable coverage. You should look into Progressive and Travelers for the best and cheapest car insurance. Mercury is a good option if you have difficulty finding car insurance because of past accidents, tickets, or other high-risk behaviors.
Hampton insurance requirements
The State of Virginia mandates vehicle owners to carry a minimum coverage amount of liability insurance:
- One person can sustain a bodily injury or death. $25,000
- Bodily Injury/Death Per Accident: $50,000
- Property damage: $20,000
You have two options: you can either carry minimum liability of 25/50/20, or you can pay $500 uninsured motorist fee that allows your vehicle to be registered and driven without insurance. You are fully acknowledging your financial responsibility for any property damage or accidents.
Liability insurance does not cover third-party injuries. Full car insurance provides protection for your vehicle. You can get paid or reimbursed in the event that your car is damaged or totaled after a covered loss. Experts recommend that you have more than the minimum insurance coverage to avoid financial hardship. You may have to pay the full cost of the accident.
Hampton insurance discount
There are many ways to reduce your premiums, including choosing a Hampton car insurance company that is cheap.
- Excellent studentStudents in high school and college may be eligible to lower their vehicle insurance rates than younger drivers. You may be required to provide proof of your grade average in order to qualify.
- Safe driver:Hampton vehicle owners with a clean driving record could be eligible for a safe-driver discount. To potentially save on your annual premiums, ask your insurance company for one.
- Driver trainingPassing a driving test approved by the insurance company may help you to reduce your high premiums if you have had tickets or other accidents in the past.
- GarageYour rates may be lower if you park your car in a garage or covered area. Garage discounts can reduce theft and damage caused by hail, heavy winds and other severe weather.
Safety-related discounts are the most important for Hampton drivers looking for car insurance. A discount should be requested by safe drivers and students who have not been cited for any offenses or accidents. Driver-training courses are an option for other drivers who want to improve their driving record. They may also be able to learn defensive driving skills.
Questions frequently asked
Which is the best auto insurance company?
According to Banrkate’s car insurance study, the best car insurance companies in Hampton, Virginia, are USAA, Alfa, Travelers and Nationwide.
What is the cost of car insurance in Hampton?
Average Hampton car insurance costs are $528 annually for minimum coverage, and $1377 annually to insure the entire vehicle.
