Affordable Car Insurance Rates in Chesterfield, VA (2024)
Car insurance rates in Chesterfield, VA are $204/month on average. By law, Virginia drivers need to carry at least 25/50/20 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Chesterfield car insurance companies to get the coverage you need at the best rates available.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Chesterfield for teen drivers is Geico
- Average car insurance rates in Chesterfield, VA are $204/month
- Average car insurance rates in Chesterfield, VA for senior drivers are $1,410/year
Average car insurance rates in Chesterfield, Virginia are $204 a month. But with a little research you can get a great deal from the top car insurance companies in Chesterfield, VA. Before you buy Chesterfield, Virginia car insurance, make sure your coverage meets or exceeds the Virginia minimum of 25/50/20.
It may even be helpful to compare Chesterfield car insurance rates with Portsmouth car insurance rates, Hampton car insurance rates, or Newport News car insurance rates to make sure you’re getting the best Chesterfield, VA car insurance quotes available.
Need affordable Chesterfield, VA car insurance? Enter your ZIP code to compare Chesterfield car insurance quotes from multiple car insurance companies near you.
Chesterfield, VA Minimum Car Insurance Coverage
Chesterfield, Virginia law requires drivers carry a minimum of 25/50/20 coverage. Take a look at the breakdown of the minimums here.
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 |
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Chesterfield, VA Car Insurance Rates by Coverage Level
Some Chesterfield drivers can get by with the Virginia minimum coverage of 25/50/20. Other drivers may need more. See how much your Chesterfield, Virginia car insurance rates may be based on the coverage you need.
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 |
Chesterfield, VA Car Insurance Rates by Age, Gender, and Marital Status
Chesterfield, Virginia car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Chesterfield, VA car insurance, get quotes from multiple car insurance companies in the Chesterfield area and see how these criteria affect your 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 |
Chesterfield, VA Car Insurance Rates for Teens
How much is Chesterfield, Virginia car insurance for teens? Compare rates from top Chesterfield car insurance companies below to help find the cheapest teen car insurance in Chesterfield, VA.
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 |
Chesterfield, VA Car Insurance Rates for Seniors
Before seniors buy Chesterfield, Virginia car insurance, they should make sure to shop around. Some Chesterfield, VA car insurance companies may offer discounts or other savings options for senior car insurance.
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 |
Chesterfield, VA Car Insurance Rates by Credit History
How does your credit history affect Chesterfield, VA car insurance rates? Review the numbers here to find out.
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 |
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Chesterfield, VA Car Insurance Rates by Driver History
How does a single speeding ticket affect your Chesterfield, Virginia car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Chesterfield.
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 |
Chesterfield, VA Car Insurance Rates With a DUI
Even a single DUI can increase your Chesterfield, VA car insurance rates. Compare rates below to see which Chesterfield car insurance company has the best rates for drivers with a DUI.
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 |
Chesterfield, VA Car Insurance Rates by ZIP Code
Just like Chesterfield car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Chesterfield, VA car insurance rates fluctuate by ZIP code.
Annual Car Insurance Rates by ZIP Code in Chesterfield, Virginia
| ZIP Code | Average Annual Rates |
|---|---|
| 23832 | $2,119 |
| 23838 | $2,126 |
Chesterfield, VA Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Chesterfield, VA car insurance rates may be. Let’s take a look at average car insurance rates from top Chesterfield companies based on commute time.
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 |
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Chesterfield, VA Cheapest Car Insurance Rates
How do the top Chesterfield, Virginia car insurance companies’ average rates stack up against the Chesterfield average monthly car insurance rates of $204? Take a look and see.
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 |
Chesterfield, VA Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Chesterfield, Virginia car insurance companies to help you find one that best fits 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 |
Other Factors Affecting Chesterfield, VA Car Insurance Rates
Before you buy Chesterfield, Virginia car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Chesterfield, VA Traffic
Spending time in Chesterfield traffic can lead to higher car insurance rates. According to INRIX data, Chesterfield, VA ranks as the 520th-most congested with traffic in the world.
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Chesterfield, VA Car Insurance Quotes
Compare Chesterfield, VA car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.