Best cheap car insurance in Hampton for 2021

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Hampton, Virginia, is small, with a population of nearly 136,000. The coastal town’s Traffic Unit consists of just one sergeant and four officers who ride around on motorcycles. Chances are, you will come across an officer or two during your daily driving. Not having a valid car insurance policy in Hampton can cost you.

A valid policy is cheaper than a fine — car insurance rates in Hampton, VA, are only $528 per year (on average) for minimum insurance and $1,377 per year for full coverage. You may even be able to find prices lower than the average cost of car insurance in Hampton, if you know where to look. We bring you the best car insurance companies in Hampton based on Bankrate data on pricing, as well as customer ratings and carrier offerings.

Best car insurance companies in Hampton

The following table features major carriers in the area offering the cheapest car insurance in Hampton. However, there is more to choosing a car insurance company than cost. Choosing a carrier that is available when you need help and pays out claims quickly is also important. To find the carriers that provide the most value, we used Bankrate’s quote data for pricing and J.D. Power’s customer satisfaction study for ratings from policyholders.

Insurance company J.D. Power score Average annual premium for minimum coverage Average annual premium for full coverage
USAA* 890 / 1000 $345 $978
Alfa 858 / 1000 $366 $1,074
Travelers 836 / 1000 $391 $910
Nationwide 835 / 1000 $421 $798

*USAA is not eligible for official ranking with J.D. Power due to eligibility restrictions

USAA

USAA offers the cheapest car insurance in Hampton, along with the highest customer service rating from J.D. Power. However, insurance is only available for qualifying members who are or have been part of the Armed Forces or an eligible family member

For less than $30 per month, you may have coverage designed for the unique needs of military personnel. Besides the standard types of car insurance such as liability, collision, comprehensive and uninsured motorist coverage, policyholders can save up to 60% if they store their vehicle while deployed.

Alfa

Hampton residents unable to get basic car insurance with USAA should consider Alfa for cheap car insurance. The carrier’s rates of $366 per year on average for minimum insurance are far less than the town average. In addition, Alfa scores well in the J.D. Power study, proving you do not have to sacrifice service when you are on a budget.

However, if you need full car insurance per your lender or leasing company’s requirements, or you prefer full coverage to protect your newer vehicle, compare quotes from other carriers. Alfa’s full coverage package is the most expensive of all of the best car insurance companies in Hampton that made the list.

Travelers

Travelers Insurance has competitive rates for all drivers — those in need of the cheapest minimum coverage and vehicle owners looking for full insurance. Hampton residents that need basic coverage to legally drive could start with minimum liability insurance and personalize their policy further by choosing from Travelers’ optional coverages.

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.

Nationwide

For the cheapest full car insurance in Hampton, be sure to get a quote from Nationwide. Annual premiums are $798 per year, over $100 less than the next cheapest insurance company.

Upgrading to full coverage may be a sensible decision. Unlike minimum coverage, your car could qualify for a claim if it needed repairs or replacement after an at-fault accident or event such as theft, fire 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.

Cheapest car insurance in Hampton

How does car insurance in Hampton compare to the rest of the country? The national average cost of full car insurance is $1,674 per year. VIrginia’s rate is less, at $1,304 annually. Coverage in Hampton is right on par with Virginia at $1,377. However, the four best car insurance companies in Hamptons we selected had rates ranging from $798 to $1,074 per year. Choosing the right carrier can make a difference on how much you could pay.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $345 $978
Geico $384 $1,209
Travelers $391 $910
Mercury $402 $1,222
Progressive $403 $907

USAA is the cheapest carrier for minimum car insurance but is only available to vehicle owners with military affiliation. Geico is the next-best choice on your list for all car owners in need of the cheapest coverage available. For the most options and/or cheapest full car insurance, you should consider Travelers and Progressive. Lastly, if you are having trouble finding car insurance due to past accidents, tickets or other high-risk behavior, Mercury may be the only affordable choice available.

Hampton insurance requirements

The State of Virginia mandates vehicle owners to carry a minimum coverage amount of liability insurance:

  • Bodily injury/death for one person: $25,000
  • Bodily injury/death per accident: $50,000
  • Property damage: $20,000

You can carry the minimum liability of 25/50/20 or pay a $500 Uninsured Motorist Fee that gives you the ability to register and drive a vehicle without insurance. This choice means that you are completely acknowledging that you are financially responsible for any accidents, property damage, etc.

Liability insurance only covers third-parties. Full car insurance adds protection for your vehicle so you can be paid or reimbursed if your car is totaled or needs repairs after a covered loss. Insurance experts recommend carrying more than the minimum required insurance coverages to protect yourself from financial hardship. Otherwise, you may be responsible for covering the outstanding costs of the accident out of pocket.

Car insurance discounts in Hampton

Besides choosing a cheap car insurance company in Hampton, there are other opportunities to lower your premiums by taking advantage of discounts offered by most carriers:

  • Good student: High school or college students enrolled in school may be able to save on the high vehicle insurance rates younger drivers usually face. To qualify, you may need to show your grade average.
  • Safe driver: Vehicle owners in Hampton with a clean driving record may qualify for a safe driver discount. Be sure to ask for one from your insurance company to potentially save on your annual premiums.
  • Driver training: If you have past tickets or accidents, you may be able to get some relief from high insurance premiums by passing an approved driving course.
  • Garage: Parking your vehicle in a covered spot or garage may help you lower your rates. A garage discount can help you reduce the risk of theft and damage from heavy winds, hail and other severe weather.

The most significant car insurance discounts for Hampton drivers are safety-related. Safe drivers and good students with no accidents or tickets should request a discount. Other drivers working on improving their driving record could start by taking driver-training courses. Besides the discount, they may pick up some useful defensive driving skills.

Frequently asked questions

What is the best car insurance company?

According to Banrkate’s car insurance study, the best car insurance companies in Hampton, Virginia, are USAA, Alfa, Travelers and Nationwide.

How much does car insurance in Hampton cost?

The average Hampton car insurance cost is $528 per year (on average) for minimum coverage and $1,377 annually for full vehicle insurance.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Cynthia Paez Bowman
Personal Finance Contributor
Cynthia Paez Bowman is a finance and business journalist who has been featured in Bankrate, Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and TheSimpleDollar.com. She regularly travels to Africa and the Middle East to consult with women’s NGOs about small business development and works with select startups and women-owned businesses to provide growth and visibility.
Edited by
Insurance Editor