Cheap Car Insurance in Chesapeake, Virginia

Know more about Chesapeake to find deals on cheap car insurance. Immediately south of Norfolk and extending to the North Carolina border, Chesapeake is home to an estimated 233,371 within its 351 square miles. Considered part of the Virginia Beach-Norfolk metro area and located on the Atlantic Intracoastal Waterway, the city is part of the area known as South Hampton Roads. Chesapeake has a number of urban areas, but much of its land is protected farmlands and wetlands – and these include part of the Great Dismal Swamp National Wildlife Refuge.

Let Cheap Car Insurance help take the leg work out of shopping for the best car insurance in Chesapeake. Get your auto insurance quote today!

Driving Conditions in Chesapeake

The Chesapeake Expressway and Veterans Bridge are toll roads. Drivers should be aware, locals warn, that tunnels in South Hampton Roads are prone to backups during rush hours.

Compared to average U.S. Cities commute of about 25 minutes, Chesapeake has a slightly shorter commute time at 24.2 minutes, according to Census Bureau data.

Current information on accidents, construction and weather-related delays is available by calling 511. Real-time traffic information also can be accessed and smartphone apps can be downloaded for Virginia 511 Web at

Unique Laws in Chesapeake

Drivers who smoke in the car with a child under 8 can be fined $100, according to Virginia laws. There's also a fine for opening a car door when it's “not reasonably safe” to do so, such as in the path of an oncoming vehicle or cyclist. Drivers may cross double yellow lines to pass a pedestrian or anyone “moved by human power,” such as a bicycle, skateboard or scooter, provided it is safe to do so.

Bicycles, mopeds and other non-motorized vehicles are now included in the list of vehicles for which a motorist can be cited for following too closely.

Chesapeake Crime Statistics

FBI data shows that violent crime rates in Chesapeake are on par with the national average, while property crime rates have been below the U.S. average for more than 15 years.

Chesapeake had 326 cases of auto theft in 2015, or a rate of 139 incidents per 100,000 people – far below the national average of 220 per 100,000 people, according to the National Insurance Crime Bureau. Up-to-date crime maps, online citizen reporting, lists of certified solicitors and information on the city's Citizen Police Academy can be found at

Chesapeake Safety Requirements

Unless it's an emergency call, learner’s permit holders may not use a cellphone or other wireless devices while driving, even if it is in hands-free mode. No matter where they are sitting in the vehicle, everyone under age 18 must wear a seat belt or ride in a child safety seat, according to the Virginia Department of Motor Vehicles, and everyone in the front seat must wear a seat belt regardless of age.

Texting behind the wheel is banned for all ages in Virginia.

Chesapeake Impaired Driving Laws

According to the Virginia Department of Motor Vehicles, a driver who is over the age of 21 will receive a DUI charge if his or her blood alcohol level is higher than 0.08. Those who refuse a test receive an automatic seven-day license suspension. First offenders receive a fine of $250 and one-year license revocation. Punishment increases to include a five-day jail sentence for a BAC of .15 and 10 days for .20 or higher. Ignition interlocks may also be ordered, including for first offenders.

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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
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  • Ferguson Insurance Center


    1407 Stephanie Way Ste A
    Chesapeake, VA 23320
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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
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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
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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!!!!

  • All Pro Insurance Agency
  • Alvin Keels
  • Andy Saunders Insurance Agency
  • Bob Fitzgerald Insurance Agency
  • Brooke Agency
  • Brooke Agency - Carol Clase
  • Brooke Agency - Danny Neal
  • Brooke Agency - Megan Richardson
  • Calvin James
  • Centerville Insurance Agency
  • Chesapeake Insurance Services
  • Cotten & Taylor Insurance Group
  • Daniel E Renstrom
  • Daryl L Hines Insurance Agency
  • David Midkiff
  • Debbie Suddeth
  • Declan Kelly
  • Farmers Insurance Group
  • First Command Financial Services
  • G W Brothers
  • G W Brothers
  • Gateway Insurance Services
  • Gateway Insurance Services
  • Gill Insurance Agency
  • Hh&b Insurance
  • J Hal Matthews
  • John Daves Insurance Agency
  • John F Dobson Insurance Agency
  • Kathy Kretz Insurance Agency
  • Krystal Jones
  • Lee Ann Sullivan
  • Lydia Lacompte
  • Mary Kay Daves Insurance Agency
  • Michael Batchelor
  • Michael P Limauro
  • Michelle Benson
  • Mike Bettencourt
  • Nina Ambrose
  • Parker Reigle Insurance Agency
  • Rita Keels
  • Robert E Old Jr
  • Roberts Insurance & Financial Services
  • Roberts Insurance & Financial Services
  • Rock Insurance Agency
  • Sarah Barfield
  • Savage & Mcpherson Insurance Agency
  • Savage & Mcpherson Insurance Agency
  • Savage & Mcpherson Insurance Agency
  • Securian Financial Network
  • Shawn Fischer
  • Sonny Williams Insurance Agency
  • Tom Hoddinott Insurance Agency
  • Towne Insurance Agency
  • Vickie L Warren
  • W Bryan Kenny
  • W T Jennings Insurance Agency
  • William Faison

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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