Compare Chesterfield, VA Car Insurance Rates [2024]
Car insurance in Chesterfield, VA averages $204 a month. Chesterfield, Virginia car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Chesterfield car insurance rates, compare quotes from the top car insurance companies in Chesterfield, VA.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
UPDATED: Jul 19, 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 company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 19, 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 company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Chesterfield, VA are $2,450/year
- The cheapest car insurance company in Chesterfield for teen drivers is Geico
- The cheapest car insurance company in Chesterfield is USAA
If you need to buy Chesterfield, Virginia car insurance, the options can be confusing. Everything you need to know about car insurance in Chesterfield, VA is right here.
You’ll find Chesterfield car insurance rates, the cheapest Chesterfield, VA car insurance companies, and information on Virginia car insurance laws. You can also compare Chesterfield, Virginia car insurance rates to Newport News car insurance rates, Richmond car insurance rates, and Portsmouth car insurance rates.
Ready to find affordable Chesterfield, VA car insurance today? Enter your ZIP code for fast, free Chesterfield car insurance quotes.
Cheapest Chesterfield, VA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Chesterfield, VA car insurance rates? Every Chesterfield, Virginia car insurance company weighs these factors differently, so check out the comparison rates.
| 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 |
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Minimum Car Insurance in Chesterfield, VA
Every driver must carry the minimum car insurance in Chesterfield, VA. Take a look at the Virginia car insurance requirements.
| 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 |
Cheapest Chesterfield, VA Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Chesterfield, VA. Compare credit history car insurance rates in Chesterfield from top companies for good, fair, and poor credit.
| 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 |
Cheapest Chesterfield, VA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Chesterfield, VA to rates for a clean record with top companies.
| 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 |
Cheapest Chesterfield, VA Car Insurance for Teen Drivers
Teen car insurance in Chesterfield, VA can be expensive. Take a look at rates from the top car insurance companies in Chesterfield for teenagers.
| 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 |
Cheapest Chesterfield, VA Car Insurance for Seniors
Take a look at Chesterfield, VA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| 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 |
Cheapest Chesterfield, VA Car Insurance Rates After a DUI
A DUI in Chesterfield, VA increases car insurance rates. Compare Chesterfield, Virginia DUI car insurance by company to find the cheapest option.
| 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 |
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Cheapest Chesterfield, VA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Chesterfield, VA by commute? Take a look at a comparison of the top companies by commute length.
| 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 |
Cheapest Chesterfield, VA Car Insurance Rates by ZIP Code
Chesterfield car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Chesterfield, VA.
| ZIP Code | Average Annual Rates |
|---|---|
| 23832 | $2,119 |
| 23838 | $2,126 |
The Best Cheap Car Insurance Companies in Chesterfield, VA
Take a look at a side-by-side comparison of the top car insurance companies in Chesterfield, VA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,470 |
| Geico | $2,141 |
| Nationwide | $2,229 |
| Progressive | $2,462 |
| State Farm | $2,482 |
| USAA | $1,914 |
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Category Winners: Cheapest Car Insurance in Chesterfield, Virginia
Find the cheapest car insurance companies in Chesterfield, VA for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Geico |
Cheapest Chesterfield, VA Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Chesterfield car insurance rates. Find the cheapest Chesterfield, VA car insurance rates by coverage level.
| 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 |
What affects car insurance rates in Chesterfield, Virginia?
What factors can have an impact on Chesterfield, VA car insurance? There are several reasons why Chesterfield car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Chesterfield, Virginia.
Traffic in Chesterfield
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Chesterfield, VA traffic data from INRIX ranks Chesterfield as the 520th-most congested in the world.
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Compare Car Insurance Quotes in Chesterfield, VA
Ready to find affordable Chesterfield, Virginia car insurance today? Enter your ZIP code for fast, free Chesterfield, VA car insurance quotes.
Frequently Asked Questions
How much does car insurance cost in Chesterfield, VA?
The average cost is around $204 per month.
What are the car insurance requirements in Chesterfield, VA?
The minimum requirements are 25/50/20, meaning $25,000 per person, $50,000 per accident for bodily injury liability, and $20,000 for property damage liability.
Do I need full coverage if my car is financed?
Most likely, yes. Lenders usually require full coverage if your car is financed.
How can I find cheap car insurance rates in Chesterfield, VA?
Compare quotes from different insurance companies to find the most affordable option.
How does a DUI affect car insurance rates?
A DUI usually leads to significantly higher insurance rates.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.