Cheapest Car Insurance Quotes in Cape Charles

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Cape Charles Car Insurance

^$ 26

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Cape Charles

The car insurance rate in Cape Charles is $632 for a six-month policy, which is $6 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $364, making it a popular choice for budget-conscious drivers. Rates in Cape Charles can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Cape Charles

$632

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in Cape Charles

1st place: Virginia Farm Bureau

At $364 for a six month policy, Virginia Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: American Family

American Family offers auto insurance rates at $446 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $452 for six months, making it the third cheapest auto insurance company in Cape Charles.

Cape Charles Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cape Charles, VA is Virginia Farm Bureau, offering policies at just $364 for a six-month term. This is followed by American Family, which has an average six-month premium of $446.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1140 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cape Charles drivers find the best deals.

Cheap Car Insurance Companies in Cape Charles, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$364	$62
American Family	$446	$74
Auto-Owners Insurance Co	$452	$77
Cincinnati	$458	$76
Nationwide	$518	$87
Erie	$552	$93
Travelers	$594	$100
State Farm	$630	$105
USAA	$682	$115
Farm Bureau	$736	$123
Mercury	$770	$130
Progressive	$870	$146
Allstate	$1140	$194

Key Takeaways

Way's key takeaways about car insurance in Cape Charles

The auto insurance costs in Cape Charles fall around $364 for six months.
The cheapest auto insurance company in Cape Charles is Virginia Farm Bureau.
Teen drivers pay the highest rate in Cape Charles at $700 per month.

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Cheapest Minimum Liability Car Insurance in Cape Charles

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Cape Charles are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Cape Charles. Their Average 6 Month Premium is $152. Nationwide is the most expensive at $494 for the same period.

Cheapest Liability Coverage in Cape Charles, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$152	$26
American Family	$170	$29
Cincinnati	$206	$35
Travelers	$224	$38
Auto-Owners Insurance Co	$230	$39
Mercury	$236	$40
Farm Bureau	$247	$42
USAA	$247	$42
Erie	$276	$47
State Farm	$300	$50
Progressive	$382	$63
Allstate	$494	$84
Nationwide	$494	$82

Cheapest Full Coverage Car Insurance in Cape Charles

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Cape Charles is Virginia Farm Bureau at $62 per month and $364 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cape Charles, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$364	$62
American Family	$446	$74
Auto-Owners Insurance Co	$452	$77
Cincinnati	$458	$76
Nationwide	$518	$87
Erie	$552	$93
Travelers	$594	$100
State Farm	$630	$105
USAA	$682	$115
Farm Bureau	$736	$123
Mercury	$770	$130
Progressive	$870	$146
Allstate	$1140	$194

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Average Car Insurance in Cape Charles by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Cape Charles, VA increasing?

Despite maintaining a clean driving record, your car insurance rates in Cape Charles, Virginia, may be increasing due to several external factors. Virginia has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Cape Charles's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Cape Charles

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$644
30s	Virginia Farm Bureau	$485
40s	USAA	$452
50s	USAA	$425
60s	USAA	$446
70s	USAA	$709

Cheapest Car Insurance Rates for Teen Drivers in Cape Charles,VA

If you are planning to get a car insurance policy for your teenage dependent, Virginia Farm Bureau provides the cheapest car insurance in the Cape Charles at $26 per month. At $4199 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$152	$26
Farm Bureau	$194	$33
Mercury	$206	$35
American Family	$224	$38
Travelers	$230	$39
Auto-Owners Insurance Co	$264	$45
Erie	$888	$149
USAA	$1146	$193
State Farm	$2040	$344
Nationwide	$2582	$431
Allstate	$2999	$510
Progressive	$4199	$700

Teen Car Insurance Rates in VA by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Cape Charles.

As young drivers face the highest rates in Cape Charles, USAA offers the cheapest auto insurance rates at $644 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Cape Charles, Mercury is the cheapest car insurance provider. At $218 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Cape Charles is Nationwide, offering rates of around $418 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$218	$37
Virginia Farm Bureau	$230	$39
Travelers	$352	$58
Cincinnati	$376	$64
Nationwide	$418	$69

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Car Insurance Rates with An Accident in Cape Charles

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Cape Charles, VA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Cape Charles

The cheapest car insurance companies after an at-fault accident in Cape Charles include AutoOwners Insurance Co and Virginia Farm Bureau, offering $212 and $212, respectively. Encompass is an expensive provider with an average six-month premium of $476.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$212	$36
Virginia Farm Bureau	$212	$36
American Family	$224	$38
Cincinnati	$270	$46
Farm Bureau	$276	$47
Travelers	$282	$48
Mercury	$312	$51
Electric	$376	$64
USAA	$530	$89
Erie	$588	$99
State Farm	$664	$112
Nationwide	$1124	$191
Progressive	$1494	$248
Allstate	$1929	$328
Encompass	$476	$81

Cape Charles Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cape Charles VA. For example, the car insurance in Cape Charles after a DUI increases to $928 for a six month policy. While the rate increases by $194 for a six-month policy in the case of a speeding ticket.

Cape Charles auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$930	$154
One Med/PIP claim	$930	$158
Not-at-fault accident	$964	$160
Two Med/PIP claims	$994	$169
One comp claim	$1006	$167
Two comp claims	$1052	$179
Failure to show documents	$1058	$176
Driving without lights	$1076	$183
Child safety restraint	$1082	$180
Driving with expired registration	$1094	$186
Failure to wear a seat belt	$1106	$184
Cell phone violation	$1118	$190
Driving too slowly	$1118	$186
Failure to yield	$1118	$190
Speeding in school zone	$1118	$186
Texting while driving	$1118	$190
Wrong way/wrong lane	$1118	$186
Failure to stop at a red light	$1124	$191
Following too closely	$1124	$187
Illegal turn	$1124	$191
Improper passing	$1124	$187
Speeding 6 - 10 MPH over limit	$1124	$191
Speeding 16 - 20 MPH over limit	$1135	$189
Speeding 11 - 15 MPH over limit	$1140	$194
Passing school bus	$1176	$196
In 65 MPH zone	$1218	$207
Open container	$1235	$206
Speeding 21 - 25 MPH over limit	$1235	$210
At-fault accident - less than $1000	$1270	$212
Operating a vehicle without permission	$1364	$232
At-fault accident - $1000-$2000	$1382	$231
At-fault accident - greater than $2000	$1382	$235
Reckless driving	$1682	$280
Racing	$1806	$307
DUI	$1858	$310
Refusal to submit to a chemical test	$1858	$316
Driving with a suspended license	$1952	$326
Leaving scene of an accident/hit and run	$1952	$332

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Cape Charles after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Cape Charles.

The cheapest car insurance premiums in Cape Charles are offered by Virginia Farm Bureau at $188 for a six-month policy. However, it can be as expensive as $1618 with companies like Allstate.

Cape Charles car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$188	$32
Mercury	$212	$36
Farm Bureau	$242	$41
Travelers	$312	$52
American Family	$336	$55
Auto-Owners Insurance Co	$364	$62
State Farm	$712	$120
USAA	$800	$135
Progressive	$1224	$204
Erie	$1252	$213
Nationwide	$1376	$230
Allstate	$1618	$275

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Cape Charles are offered by Mercury at $218. However, it can be as expensive as $294 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in Cape Charles after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$218	$37
Virginia Farm Bureau	$224	$38
American Family	$230	$39
Auto-Owners Insurance Co	$236	$40
Cincinnati	$236	$40
Travelers	$252	$43
Erie	$276	$47
State Farm	$294	$50

Car Insurance Price Trends in Cape Charles, Virginia

Car insurance rates in Cape Charles have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Cape Charles rose by $89 in December compared to $86 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Cape Charles rose to $46 in December, compared to $44 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Cape Charles?

The car insurance in Cape Charles is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Cape Charles?

The cheapest car insurance in Cape Charles is $62 per month for full coverage.

How much is car insurance in Cape Charles for teenagers?

Car insurance for teenagers costs $152 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Cape Charles?

The average cost of car insurance is $638 for a six-month policy. It will cost around $106 per month to insure your car in Cape Charles.

Is car insurance expensive in Cape Charles?

Car insurance can be expensive in Cape Charles if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Cape Charles can be affordable.

Cheapest Car Insurance Quotes in Cape Charles

Why you can trust Way?

How Much Is Car Insurance in Cape Charles

Avg. Car Insurance in Cape Charles

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Cape Charles

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Cape Charles Car Insurance Rates by Company

Cheap Car Insurance Companies in Cape Charles, VA

Way's key takeaways about car insurance in Cape Charles

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cape Charles

Cheapest Liability Coverage in Cape Charles, VA

Cheapest Full Coverage Car Insurance in Cape Charles

Cheapest Full Coverage Car Insurance Quotes in Cape Charles, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cape Charles by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Cape Charles, VA increasing?

Car Insurance Premiums by Age in Cape Charles

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cape Charles,VA

If you are in your twenties USAA is the best choice for car insurance in Cape Charles.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Cape Charles

Cheapest Car Insurance Companies after an At-Fault Accident in Cape Charles

Cape Charles Car Insurance Rates by Violation

Cape Charles auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cape Charles after a DUI

Cape Charles car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cape Charles after Speeding ticket

Car Insurance Price Trends in Cape Charles, Virginia

Average Car Insurance Cost in Cape Charles by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cape Charles, VA

Car Insurance Rates by State in the USA (2025 Update)

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