Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Aug 2, 2021

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Just What's Essential

  • 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.