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How much is car insurance in Hampton?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, auto insurance rates in Hampton are about the same as the rest of Virginia.
When viewed against the average rates for the rest of the U.S., coverage in Hampton is rather affordable. It's around $18 less to insure your vehicle compared to the average rate for the United States as a whole.
Keep in mind that these are the average auto insurance rates for Hampton, and that the rate you get could end up being something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down the average rate for Hampton residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not certain that you're getting the cheapest rate for your area, just enter your ZIP code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay almost two times as much as drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. That said, once you hit retirement age, your rates may begin to creep back up a bit.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. While male drivers actually pay a little bit less than female drivers on their monthly insurance rates, the difference is only about $2 per month in Hampton.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. The rate for drivers in Hampton with a single accident on their record is about $81 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $103 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$65|
|15 Years or Older||$59|
According to the first table above, the cheapest vehicles to insure in Hampton are, by and large, trucks and vans.
Those with SUV's can expect a monthly premium of about $57 per month, while car owners will typically see a bill of around $62.
Truck and van drivers, however, typically pay around $56.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Overall, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Hampton, however, are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$65|
Overall, those who have settled down into marriage will pay less for their car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
Married drivers typically pay about $5 less each month than single ones in Hampton.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$83|
One other element taken into consideration is your housing status. Those who own their own home in Hampton can expect to pay around $12 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Hampton, VA
Recent trends in car insurance for Hampton drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
The cost of insurance in Hampton dropped from 2016-2017, before steadying out in 2018. Car insurance rates finished down in 2021, at $57 a month
How does Hampton compare to neighboring areas?
Why are car insurance rates in Hampton different from other areas?
When considering how much to charge for coverage, car insurance companies will review a lot of factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Regional laws
- Rate of car accidents
- Off-street parking accessibility
- Number of drivers
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Hampton?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Luckily, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing policies in Hampton in minutes.
Hampton Insurance FAQs
What factors affect car insurance quotes in Hampton?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Hampton different from other neighboring cities?
Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Hampton?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Hampton?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Hampton or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.