Compare Cape Charles, VA Car Insurance Rates (2021)

Car insurance in Cape Charles, VA averages $195 a month. Cape Charles, Virginia car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Cape Charles car insurance rates, compare quotes from the top car insurance companies in Cape Charles, VA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Cape Charles is USAA
  • The cheapest car insurance company in Cape Charles for teen drivers is GEICO
  • Average car insurance rates in Cape Charles, VA after a DUI are $2,769/year

If you need to buy Cape Charles, Virginia car insurance, the options can be confusing. Everything you need to know about car insurance in Cape Charles, VA is right here.

You’ll find Cape Charles car insurance rates, the cheapest Cape Charles, VA car insurance companies, and information on Virginia car insurance laws. You can also compare Cape Charles, Virginia car insurance rates to Portsmouth car insurance rates, Suffolk car insurance rates, and Alexandria car insurance rates.

Ready to find affordable Cape Charles, VA car insurance today? Enter your ZIP code for fast, free Cape Charles car insurance quotes.

Cheapest Cape Charles, VA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Cape Charles, VA car insurance rates? Every Cape Charles, Virginia car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cape Charles, Virginia

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,070 $1,952 $2,061 $2,061 $6,450 $7,397 $2,693 $2,692
GEICO $1,490 $1,493 $1,413 $1,413 $3,090 $4,147 $1,729 $1,719
Nationwide $1,436 $1,447 $1,273 $1,310 $3,384 $4,377 $1,582 $1,727
Progressive $1,218 $1,164 $1,094 $1,100 $5,406 $6,088 $1,476 $1,515
State Farm $1,382 $1,382 $1,244 $1,244 $4,134 $5,196 $1,561 $1,794
USAA $1,119 $1,103 $1,041 $1,051 $3,437 $4,102 $1,444 $1,590

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Minimum Car Insurance in Cape Charles, VA

Every driver must carry the minimum car insurance in Cape Charles, VA. Take a look at the Virginia car insurance requirements.

Minimum Required Car Insurance Coverage in Cape Charles, Virginia

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Cape Charles, VA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Cape Charles, VA. Compare credit history car insurance rates in Cape Charles from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Cape Charles, Virginia

Insurance Company Poor Fair Good
Allstate $4,170 $3,337 $2,758
GEICO $2,290 $1,947 $1,947
Nationwide $2,449 $1,967 $1,785
Progressive $2,669 $2,319 $2,161
State Farm $3,188 $1,977 $1,561
USAA $2,492 $1,695 $1,397

Cheapest Cape Charles, VA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Cape Charles, VA to rates for a clean record with top companies.

Annual Cape Charles, Virginia Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,560 $4,096 $3,733 $3,299
GEICO $1,560 $2,032 $3,095 $1,560
Nationwide $1,795 $1,795 $2,638 $2,039
Progressive $2,047 $2,682 $2,427 $2,376
State Farm $2,049 $2,435 $2,242 $2,242
USAA $1,442 $1,869 $2,477 $1,657

Cheapest Cape Charles, VA Car Insurance for Teen Drivers

Teen car insurance in Cape Charles, VA can be expensive. Take a look at rates from the top car insurance companies in Cape Charles for teenagers.

Annual Car Insurance Rates for Teen Drivers in Cape Charles, Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,450 $7,397
GEICO $3,090 $4,147
Nationwide $3,384 $4,377
Progressive $5,406 $6,088
State Farm $4,134 $5,196
USAA $3,437 $4,102

Cheapest Cape Charles, VA Car Insurance for Seniors

Take a look at Cape Charles, VA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Cape Charles, Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,061 $2,061
GEICO $1,413 $1,413
Nationwide $1,273 $1,310
Progressive $1,094 $1,100
State Farm $1,244 $1,244
USAA $1,041 $1,051

Cheapest Cape Charles, VA Car Insurance Rates After a DUI

A DUI in Cape Charles, VA increases car insurance rates. Compare Cape Charles, Virginia DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Cape Charles, Virginia

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,733
GEICO $3,095
Nationwide $2,638
Progressive $2,427
State Farm $2,242
USAA $2,477

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Cheapest Cape Charles, VA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Cape Charles, VA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Cape Charles, Virginia

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,317 $3,527
GEICO $2,023 $2,101
Nationwide $2,067 $2,067
Progressive $2,383 $2,383
State Farm $2,187 $2,297
USAA $1,792 $1,930

The Best Cheap Car Insurance Companies in Cape Charles, VA

Take a look at a side-by-side comparison of the top car insurance companies in Cape Charles, VA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Cape Charles, Virginia

Insurance Company Average Annual Rates
Allstate $3,422
GEICO $2,062
Nationwide $2,067
Progressive $2,383
State Farm $2,242
USAA $1,861

Category Winners: Cheapest Car Insurance in Cape Charles, Virginia

Find the cheapest car insurance companies in Cape Charles, VA for each category right here.

Best Annual Car Insurance Rates by Company in Cape Charles, Virginia

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record USAA
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation GEICO

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Cheapest Cape Charles, VA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Cape Charles car insurance rates. Find the cheapest Cape Charles, VA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Cape Charles, Virginia

Insurance Company Low Medium High
Allstate $3,307 $3,422 $3,536
GEICO $1,983 $2,059 $2,142
Nationwide $2,165 $2,047 $1,989
Progressive $2,282 $2,356 $2,510
State Farm $2,111 $2,239 $2,377
USAA $1,789 $1,864 $1,930

What affects car insurance rates in Cape Charles, Virginia?

What factors can have an impact on Cape Charles, VA car insurance? There are several reasons why Cape Charles car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Cape Charles, Virginia.

Commute Time in Cape Charles

The more time you spend in your car the higher the risk of an accident. The average commute length in Cape Charles, VA is 20.1 minutes according to City-Data.

Compare Car Insurance Quotes in Cape Charles, VA

Ready to find affordable Cape Charles, Virginia car insurance today? Enter your ZIP code for fast, free Cape Charles, VA car insurance quotes.

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