Compare Chesterfield, VA Car Insurance Rates (2021)

Car insurance in Chesterfield, VA averages $204 a month. Chesterfield, Virginia car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Chesterfield car insurance rates, compare quotes from the top car insurance companies in Chesterfield, VA.

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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 University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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

  • Average car insurance rates in Chesterfield, VA are $2,450/year
  • The cheapest car insurance company in Chesterfield for teen drivers is GEICO
  • The cheapest car insurance company in Chesterfield is USAA

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

You’ll find Chesterfield car insurance rates, the cheapest Chesterfield, VA car insurance companies, and information on Virginia car insurance laws. You can also compare Chesterfield, Virginia car insurance rates to Newport News car insurance rates, Richmond car insurance rates, and Portsmouth car insurance rates.

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

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

How do age, gender, and marital status affect Chesterfield, VA car insurance rates? Every Chesterfield, 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 Chesterfield, 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 $2,103 $1,984 $2,092 $2,092 $6,540 $7,489 $2,731 $2,728
GEICO $1,518 $1,507 $1,443 $1,443 $3,312 $4,409 $1,765 $1,734
Nationwide $1,531 $1,539 $1,357 $1,393 $3,705 $4,771 $1,692 $1,840
Progressive $1,215 $1,147 $1,108 $1,107 $5,733 $6,431 $1,467 $1,486
State Farm $1,498 $1,498 $1,362 $1,362 $4,652 $5,840 $1,697 $1,950
USAA $1,152 $1,136 $1,076 $1,086 $3,535 $4,204 $1,485 $1,635

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Minimum Car Insurance in Chesterfield, VA

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

Minimum Required Car Insurance Coverage in Chesterfield, 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 Chesterfield, VA Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Chesterfield, Virginia

Insurance Company Poor Fair Good
Allstate $4,227 $3,382 $2,801
GEICO $2,379 $2,022 $2,022
Nationwide $2,638 $2,121 $1,927
Progressive $2,732 $2,403 $2,250
State Farm $3,531 $2,188 $1,728
USAA $2,557 $1,744 $1,440

Cheapest Chesterfield, 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 Chesterfield, VA to rates for a clean record with top companies.

Annual Chesterfield, Virginia Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,592 $4,157 $3,788 $3,343
GEICO $1,633 $2,112 $3,189 $1,633
Nationwide $1,937 $1,937 $2,842 $2,199
Progressive $2,093 $2,799 $2,514 $2,441
State Farm $2,258 $2,706 $2,482 $2,482
USAA $1,482 $1,925 $2,541 $1,706

Cheapest Chesterfield, VA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Chesterfield, Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,540 $7,489
GEICO $3,312 $4,409
Nationwide $3,705 $4,771
Progressive $5,733 $6,431
State Farm $4,652 $5,840
USAA $3,535 $4,204

Cheapest Chesterfield, VA Car Insurance for Seniors

Take a look at Chesterfield, 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 Chesterfield, Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,092 $2,092
GEICO $1,443 $1,443
Nationwide $1,357 $1,393
Progressive $1,108 $1,107
State Farm $1,362 $1,362
USAA $1,076 $1,086

Cheapest Chesterfield, VA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Chesterfield, Virginia

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,788
GEICO $3,189
Nationwide $2,842
Progressive $2,514
State Farm $2,482
USAA $2,541

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Cheapest Chesterfield, VA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Chesterfield, Virginia

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,362 $3,578
GEICO $2,102 $2,181
Nationwide $2,229 $2,229
Progressive $2,462 $2,462
State Farm $2,420 $2,545
USAA $1,843 $1,984

Cheapest Chesterfield, VA Car Insurance Rates by ZIP Code

Chesterfield car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Chesterfield, VA.

Annual Car Insurance Rates by ZIP Code in Chesterfield, Virginia

ZIP Code Average Annual Rates
23832 $2,119
23838 $2,126

The Best Cheap Car Insurance Companies in Chesterfield, VA

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

Average Annual Car Insurance Rates by Company in Chesterfield, Virginia

Insurance Company Average Annual Rates
Allstate $3,470
GEICO $2,141
Nationwide $2,229
Progressive $2,462
State Farm $2,482
USAA $1,914

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Category Winners: Cheapest Car Insurance in Chesterfield, Virginia

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

Best Annual Car Insurance Rates by Company in Chesterfield, Virginia

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

Cheapest Chesterfield, VA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Chesterfield, Virginia

Insurance Company Low Medium High
Allstate $3,349 $3,470 $3,590
GEICO $2,044 $2,138 $2,242
Nationwide $2,333 $2,208 $2,145
Progressive $2,331 $2,428 $2,626
State Farm $2,320 $2,480 $2,647
USAA $1,832 $1,917 $1,992

What affects car insurance rates in Chesterfield, Virginia?

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

Traffic in Chesterfield

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Chesterfield, VA traffic data from INRIX ranks Chesterfield as the 520th-most congested in the world.

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Compare Car Insurance Quotes in Chesterfield, VA

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

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