Car Insurance in Hampton, Virginia
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Driving Safely in Hampton
Whether you are visiting the Fort Monroe National Monument, sightseeing at the Old Point Comfort Lighthouse or cruising through the city streets on your morning commute to work in Hampton, Virginia, you'll have plenty of reasons to get behind the wheel and explore the region. Before indulging your adventurous side and exploring the city in your car, review your policy for car insurance in Hampton to make sure you have the right coverage in case you have an accident.
Hampton has a mild climate that provides plenty of opportunities for road trips. Annual temperatures tend to stay between 22 degrees and 87 degrees, and the city experiences overcast skies for much of the year.
With a population of more than 137,000 people. Hampton is the seventh most populated city in Virginia. Unfortunately, the high number of drivers on the road means that there are numerous accidents in the region every day. In 2022, the city of Hampton recorded 121 fatalities caused by motor vehicle accidents. While practicing safe driving habits reduces the risk of an accident, ensuring you have the proper coverage is the best way to protect yourself in case you are ever involved in a car crash.
Find Great Car Insurance in Hampton, VA
Virginia has two publicly-funded transportation systems. Many residents of Hampton use the ART or URBANNA bus systems to travel around town, but others prefer the freedom of owning their vehicles. Use VIU by HUB to compare car insurance policies and ensure you have the most appropriate, most affordable coverage.
Required and Optional Insurance Coverage in Hampton
The Virginia Department of Motor Vehicles does not require drivers to carry insurance, but you must pay a fee of $500 annually to register as an uninsured motorist with the state. If you choose to purchase a policy, you may consider the following types of coverage:
- Bodily injury: Policies cover $30,000 per person and $60,000 per incident for bodily injury.
- Uninsured motorist: Policies cover $30,000 per person and $60,000 per incident if you are injured in an accident caused by an uninsured motorist.
- Property damage: Policies cover $20,000 worth of property damage.
Average Cost of Car Insurance in Hampton
At VIU by HUB, we help drivers find the best car insurance policies for their needs by comparing coverage options and rates. While the national average for car insurance in America is $1,548, the average policy is Hampton, Virginia, is slightly lower at $1,437.
Factors That Affect Car Insurance Rates in Hampton
Insurance companies use a risk rating system to determine rates for car insurance. Personal information like age, marital status and gender can raise your car insurance rates because you are considered more of a risk to insure. Other factors that may impact your car insurance rate include:
- The age and model of your vehicle
- The number of drivers on your policy
- Your credit score
- Your driving history
Although insurance may seem like an unnecessary expense, it can help your finances tremendously if you are ever involved in an accident. Many insurance providers offer various discounts to make auto insurance more affordable. For example, bundling insurance policies, such as home and auto coverage, can often lower your total rate. Comparing quotes from various insurance providers is the way to ensure you have coverage that meets your needs and fits your wallet so you can cruise comfortably every time you get behind the wheel.
This information is intended for general informational purposes only and is not intended to constitute legal advice.