Car Insurance in Chesapeake

The average Chesapeake car insurance rates are $100/mo. Chesapeake car insurance must meet Virginia's minimum coverage requirements of 25/50/20 for bodily injury and property damage.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State...

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UPDATED: Jun 17, 2020

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Here's what you need to know...
  • The average monthly rate for car insurance in Chesapeake is one-hundred dollars
  • Because crime rates are low in Chesapeake, residents enjoy lower car insurance premiums
  • Though Virginia allows residents to pay a yearly fee to avoid purchasing car insurance, it is best to insure your car in case of an accident


Chesapeake is the third-largest city in Virginia and is filled with many drivers that need Chesapeake car insurance. The low tax rates, the low crime rates, and the recreational opportunities all make this city a desirable place to live.

Many residents like to spend weekends relaxing on the Outer Banks or surfing the waves at the Virginia Beach oceanfront. Also, Chesapeake city is very close to Virginia Beach, Norfolk, and Portsmouth, as well as several cities in northern North Carolina.

Because of this, some people that live in North Carolina commute to their jobs in Chesapeake, which causes more traffic — and more opportunity for accidents — in Chesapeake and the surrounding area.

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Motor Vehicle Statistics

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According to statistics kept by the Chesapeake Department of Motor Vehicles, there were 2, 394 crashes in Chesapeake in 2010. Of these, 13 fatalities were reported. There were 1,483 injuries due to motor vehicle crashes. Of that number, 168 of the crashes involved alcohol.

The city has over 350 square miles of roadways which extend from Virginia Beach in the north to the border of Virginia and North Carolina in the south.

Even so, the average citizen spends less than 25 minutes commuting to and from work each day. Because of a number of crashes, it is important to get proper car insurance coverage.

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Safety in the City

Even though Chesapeake is a safe city in which to live and drive, it is important to have good car insurance.

The area has several interstates and roads which can get congested, especially during rush hour. In some places, tourists traveling to North Carolina can create traffic jams.

It is common to see many accidents during tourist season as tourists may opt to stay in Chesapeake and travel to the beach during the day.

Due to road construction in the area, traffic patterns can change quickly causing extra traffic and fender benders. Having car insurance in Virginia is something all residents should consider.

Often, during the summer months, fires start in the forest area around the city due to lightning. The smoke caused by these fires can be dangerous and many accidents can happen. Also, the area is prone to flooding during hurricane season. Because of this, good car insurance is a must.

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The Importance of Car Insurance

Locals should be sure to have their car insurance up-to-date as it can be checked during traffic stops. Many times, police will set up traffic stops in order to catch drunk drivers on their way to or from the beach and charge them with breaking Virginia DUI laws.

If you have not paid your personal property tax, you can expect for your car to get booted. If your car gets booted, you will probably have to prove that you have paid your tax bill and that you have Chesapeake car insurance before you can get the boots taken off your car.

Sometimes, your car can get damaged from the boot. If so, you may need to use your car insurance to get your vehicle fixed.

Low Crime Rates in the City

Although the crime rate is low in the city, over 489 cars were stolen last year alone. To prevent your car from being stolen, you should be sure to lock it.

If you are using a GPS system to navigate the roadways, you should be sure to take your system with you when leaving your car or truck the device under your seat. If your car is broken into, your car insurance will be able to help you replace the things that have been stolen.

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Car Insurance Rates

City rates in Chesapeake can be reasonably priced. In fact, it is cheaper to insure a car in Chesapeake than it is to insure your car if you were living in the neighboring cities of Virginia Beach or Norfolk.

Car insurance in Chesapeake will cost you about $100 a month.

Your rate may vary depending upon other factors like the amount of distance that you travel, your driving record, or your age. In contrast, rates per month in Virginia Beach are over $100 per month and rates for insurance in Norfolk are close to $200 per month.

According to state car insurance law, you can also choose to not have car insurance in Chesapeake.

To take this option, you have to pay a $500 fee per year when registering your vehicle. Although it may seem like a good idea to pay the fee and remain uninsured, it is very risky.

Car Insurance Companies

There are many car insurance companies that insure vehicles in Chesapeake city. All of the major insurance companies will write you a policy.

Also, some of these companies may offer you a discount for military service. Many of the residents of Chesapeake are members of the military.

Car insurance quotes can vary from company to company. For this reason, it is a good idea to get quotes from several different companies.

An easy way to do this is by researching rates online. You can choose the type of coverage that you would like and get online policies very quickly from various car insurance companies. Once you find a company that you like, you can call that company and ask them to create a policy for you.

Some companies will have you take your car to a service station before writing up a policy to see that your car is in good working order and that it does not have any damage, which takes only a few minutes of your time.

Take some time to research Chesapeake car insurance quotes and you just may be surprised how inexpensive car insurance actually can be!

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