Cheap Car Insurance in Chesapeake, Virginia


Chesapeake stretches across 350 square miles in southern Virginia, making it not only the third-most populous city in the state, but also nearly the combined size in area of New York City and Washington, D.C.

Driving Conditions In Chesapeake

Drivers usually cover more road here due to its size than in other cities. The average commute time for people working in Chesapeake is 24 minutes, according to Index Mundi, which measures traffic congestion.

Chesapeake is located near the Atlantic Ocean and is vulnerable to hurricanes, according to Climate Central. The threat of flooding continues to increase with rising sea levels.

The Virginia Department of Transportation (VDOT) provides information about traffic conditions and road closures around Chesapeake and the Hampton Roads that surround the region. It recommends drivers call 511 for real-time updates.

The VDOT also provides live traffic cameras for various cities around the state, including Chesapeake.

Unique Laws In Chesapeake

In Virginia, it is illegal for drivers to use radar detectors to avoid police speed traps, according to various law firms. Drivers must also honk when passing another vehicle, according to the National Driver Safety Services.

Drivers are prohibited from smoking in cars where children under the age of 8 are present, according to the Virginia Legislative Information System.

Ease up on the lead foot. In Virginia, motorists can be charged with reckless driving for traveling only 10 miles an hour over the speed limit in some places. The interstate speed limit is 70 miles an hour, but any driver traveling 80 miles an hour or faster can be charged with reckless driving. In some cases, drivers are arrested for reckless driving, while others have their licenses suspended and face fines.

Though it may not be illegal to drive barefoot, the Virginia Department of Motor Vehicles (DMV) recommends motorists to wear shoes as a safety precaution. According to FindLaw, barefoot motorists — and those wearing flip-flops — can be charged with reckless driving if police determine their lack of proper footwear was the cause of an accident.

Crime Statistics In Chesapeake

In Chesapeake, the number of stolen cars has declined by more than 50 percent over the last decade to 289 thefts in 2014, according to FBI data compiled by This puts Chesapeake’s vehicle theft rate at nearly half the national average, but slightly higher than the rest of the state.

According to the Virginia Department of Motor Vehicles (DMV), 185 people were killed in alcohol-related traffic accidents in 2015. Two of those fatalities occurred in Chesapeake in 2014.

The Virginian-Pilot offers a map filled with crime data from the Chesapeake Police Department.

Safety Requirements In Chesapeake

In Virginia, motorists are prohibited from sending text messages from behind the wheel, while those under the age of 18 may not talk on the phone while driving, even if they are using a hands-free device.

Be sure to buckle up. In Virginia, anyone sitting in the front seat of a car must wear a seat belt, while those under the age of 18 must be strapped in at all times, even when they are riding in the back seat

Drivers who are involved in fender benders where no one is seriously injured are required to move their cars to the side of the road so as not to impede the regular flow of traffic, according to VDOT.

Impaired Driving Law In Chesapeake

According to the Virginia Department of Motor Vehicles, all motorists will be arrested for driving under the influence if their blood alcohol level is .08 or higher. Drivers who are under the age of 21 could have their license suspended if their blood alcohol level is .02 or higher.

Drivers who are below the legal limit may still be arrested if a police officer believes they are impaired. Those convicted of drunk driving can face up to one year in prison and a $1,000 fine. It is also illegal to drive under the influence of drugs, including marijuana.

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Car Insurance Chesapeake, Virginia Agents

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  • Garry Campbell - State Farm Insurance


    Garry Campbell
    The state farm mission is to help people manage the risks of everyday life, recover from the unexpected, and realize their dreams. Our vision for the future is to be the first and best choice for you.

    411 Cedar Rd Ste 9
    Chesapeake, VA 23322
    (757) 436-3900
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  • Ferguson Insurance Center


    1407 Stephanie Way Ste A
    Chesapeake, VA 23320
    (757) 473-0300
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    I used Ferguson for my car insurance and switched over from Geico. They were able to save me $250 per year with more coverage. When my husband went to pay our bill that first month, he was so surprised by how inexpensive it was. We are definitely happy with our decision to switch to Ferguson!

    I saved $521.00 on my Home and Auto insurance with Ferguson Insurance. They have the flexibility to find the best prices for their customers, they really looked out for ME!
    Next month, I am also placing my business insurance with them.

  • Garlow Insurance Agency


    312 Cedar Lakes Dr
    Chesapeake, VA 23322
    (757) 548-1515
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    Great agency! Everyone is friendly and willing to help. They answer the phone when you call, no going through automated phone prompts to reach someone---PLUS!!! I highly recommend them.

    Very knowledgeable and friendly staff. They took the time to make sure I had the proper coverage. They actually know what they are doing as opposed to other insurance companies with call centers! You can tell all of the agents in their office have a lot of experience which is important to me when buying insurance coverage to protect my family!

  • Ty Anderson & Associates


    342 Battlefield Blvd S
    Chesapeake, VA 23322
    (757) 482-3500
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    I've had nationwide insurance for a few years now and I've had not one problem! Ty and his employees and very professional and business oriented! They are on top of it and all bases are always covered! They care about their clients and their clients concerns! This is the insurance you want if you want To be with an insurance company that really does care!!!!

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Did you know ?

Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

Savings Tip

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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