Best Cheap Car Insurance in Hampton For 2021
Hampton, Virginia, is small, with a population of nearly 136,000. The coastal city Traffic unit consists of only one sergeant and four officers who ride around on motorcycles. Chances are you will run into a police officer or two during your daily drive. If you do not have valid car insurance in Hampton it could cost you.
A valid policy is cheaper than a fine – Hampton, VA auto insurance rates are only $ 528 per year (average) for minimum coverage and $ 1,377 per year for full coverage. If you know where to look, you may even be able to find rates that are below the average cost of Hampton car insurance. We bring you the best Hampton auto insurance companies based on Bankrate data on pricing, customer reviews and supplier quotes.
The best car insurance in Hampton
The table below lists the major airlines in the area that offer the cheapest car insurance in Hampton. Choosing a car insurance is not only costly, however. It is also important to choose a freight forwarder who is available when necessary and pays claims quickly. To find the carriers who offer the greatest value, we used Bankrate’s quotation data for pricing and JD Power’s customer satisfaction study for policyholder ratings.
|insurance company||JD power score||Average annual premium for minimum coverage||Average annual premium for fully comprehensive insurance|
|USAA *||890/1000||$ 345||$ 978|
|Alfa||858/1000||$ 366||$ 1,074|
|traveler||836/1000||$ 391||$ 910 $|
|Nationwide||835/1000||$ 421||$ 798|
* USAA is not eligible for the official ranking at JD Power due to admission restrictions
USAA offers the cheapest auto insurance in Hampton, along with the highest customer service rating from JD Power. However, insurance is only available for eligible members who are or were part of the army or an eligible family member
For less than $ 30 a month, you might have coverage tailored to meet the specific needs of military personnel. In addition to the common vehicle insurance policies such as liability, collision, full and non-vehicle insurance, policyholders can save up to 60% if they park their vehicle during use.
Hampton residents who cannot get basic auto insurance with USAA should consider Alfa for cheap auto insurance. Airline tariffs averaging $ 366 per year for minimum insurance are well below the city average. Additionally, Alfa does well in the JD Power study, which proves that you don’t have to go without service on a budget.
However, if you need fully comprehensive insurance as per the requirements of your lender or leasing company, or if you prefer full coverage to protect your newer vehicle, compare offers from other providers. Alfa’s Full Insurance Package is the most expensive of all the best Hampton auto insurance companies to make the list.
Travel insurance offers competitive rates for all drivers – for those who need the cheapest minimum protection and for vehicle owners who are looking for full coverage. Hampton residents who require basic insurance to legally drive can start with minimum liability insurance and further personalize their policy by choosing from optional insurance from Travelers.
Some of the Add-ons The offers on offer include ride-sharing insurance that insures drivers while working with passengers or deliveries, gap coverage for leased or newly financed vehicles, accident forgiveness and replacement of new cars.
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 fully comprehensive can be a sensible decision. In contrast to the minimum insurance, your car may be eligible if it needs to be repaired or replaced after a culpable accident or event such as theft, fire or weather-related damage. Remember that Cyclones, heavy rain and floods are common in the Hampton coastal area, comprehensive insurance can protect you financially if your vehicle suffers serious damage.
Cheapest Auto Insurance in Hampton
How does Hampton auto insurance compare to the rest of the country? The national average cost of full auto insurance is $ 1,674 per year. Virginia is priced lower at $ 1,304 per year. Reporting in Hampton is on par with Virginia at $ 1,377. However, the top four Hamptons auto insurance companies we picked had rates between $ 798 and $ 1,074 per year. Choosing the right provider can make a difference in how much you can pay.
|insurance company||Average annual premium for minimum coverage||Average annual premium for fully comprehensive insurance|
|USAA||$ 345||$ 978|
|Geico||$ 384||$ 1,209|
|traveler||$ 391||$ 910 $|
|Mercury||$ 402||$ 1,222|
|Progressive||$ 403||$ 907|
USAA is the cheapest carrier for minimum insurance but is only available to vehicle owners with military affiliation. Geico is the next best choice on your list for any car owner who needs the cheapest insurance coverage available. For most options and / or the cheapest fully comprehensive insurance, consider Travelers and Progressive. If you’re having trouble finding car insurance due to accidents, tickets, or other high-risk behavior, Mercury may be the only option available.
Insurance terms for Hampton
The US state of Virginia requires vehicle owners to bring a car Minimum coverage Liability insurance amount:
- Bodily injury / death for one person: $ 25,000
- Injury / death per accident: $ 50,000
- Property damage: $ 20,000
You can take the 25/50/20 minimum liability or pay a $ 500 uninsured motorist fee which gives you the option to register and drive a vehicle without insurance. This choice means that you fully acknowledge that you are financially responsible for accidents, property damage, etc.
Liability insurance only covers third parties. Fully comprehensive insurance offers additional protection for your vehicle so that you can be paid or reimbursed if your car is total loss or needs to be repaired after an insured loss. Insurance experts recommend getting more than the minimum required insurance to protect yourself from financial difficulties. Otherwise, you may have to cover the outstanding costs of the accident out of your own pocket.
Car insurance discounts in Hampton
In addition to choosing cheap car insurance in Hampton, there are other ways you can lower your premiums by taking advantage of the discounts offered by most insurance companies:
- Good student: High school or college students enrolled in school can potentially save on the high car insurance rates that younger drivers typically face. To qualify, you may be required to provide your grade point average.
- Safe driver: Vehicle owners in Hampton with a clean driving report can qualify for a safe driver discount. Be sure to check with your insurance company to possibly save your annual premiums.
- Driver training: If you have past tickets or accidents, you may be able to get rid of high insurance premiums by taking an approved driving course.
- Garage: Parking your vehicle in a covered parking lot or garage can help lower your prices. A garage discount can help you reduce the risk of theft and damage from strong winds, hail and other storms.
The top car insurance discounts for Hampton drivers are safety related. Safe drivers and good students with no accidents or tickets should apply for a discount. Other drivers who are working to improve their driving record could start with driver training. Besides the discount, they can acquire some useful defensive driving skills.
frequently asked Questions
What is the best car insurance?
USAA, Alfa, Travelers, and Nationwide are the top auto insurance companies in Hampton, Virginia, according to Banrkate’s auto insurance study.
How much does car insurance cost in Hampton?
The average cost of Hampton auto insurance is $ 528 per year (average) for minimum coverage and $ 1,377 per year for full coverage.
Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and airlines in all 50 states and Washington, DC Coverage Limits:
- $ 100,000 personal injury liability per person
- $ 300,000 liability per accident
- $ 50,000 property damage liability per accident
- $ 100,000 personal injury from an uninsured motorist per person
- $ 300,000 personal injury to an uninsured driver per accident
- $ 500 deductible in case of collision
- $ 500 deductible
To set the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our example drivers own a 2019 Toyota Camry, commute five days a week, and drive 12,000 miles a year.
These are sample rates and should only be used for comparison purposes. Your quotes can be different.