Updated March 2026
See all Virginia auto insurance rates →
What Affects Rates in Hampton
- The I-64 interchange at exit 267 and Mercury Boulevard's commercial density generate frequent congestion-related claims. FR-44 filers face higher premiums here due to accident rates that peak during military shift changes at Langley AFB. Carriers assign higher risk scores to ZIP codes along this corridor (23666, 23663).
- Hampton serves as a primary commuting route for personnel traveling to Joint Base Langley-Eustis and Norfolk Naval Station. Morning and evening rushes on Magruder Boulevard and Settlers Landing Road create elevated collision exposure. FR-44 filers with commute patterns through these zones see rate increases of 12-18%.
- Hampton's low-lying coastal geography along the Chesapeake Bay makes comprehensive coverage critical, though not FR-44-mandated. Nor'easters and hurricane season flooding particularly impact Buckroe Beach and downtown waterfront areas. FR-44 filers adding comprehensive to meet lender requirements in flood zones see combined premiums exceeding $550/month.
- Property crime rates in Phoebus and along Settlers Landing Road affect comprehensive pricing for FR-44 filers who own vehicles. While FR-44 only mandates liability, drivers financing vehicles in these ZIP codes face combined policy costs 20-30% higher than suburban Chesapeake or York County.
- Many Hampton FR-44 filers don't own vehicles during their suspension period and use Peninsula Transit or carpool to work at Langley or Sentara CarePlex. Non-owner FR-44 policies cost $90-$175/month in Hampton, providing the required 50/100/40 liability for license reinstatement without vehicle ownership.
Coverage Options
Cost estimates are based on available industry data and vary by driver profile. These are not insurance quotes.
Virginia's high-risk certificate filing for DUI/DWI convictions, requiring 50/100/40 liability limits and continuous 3-year filing from conviction date.
Provides required 50/100/40 liability without vehicle ownership, allowing license reinstatement for suspended drivers who don't own cars.
Covers bodily injury and property damage you cause to others; FR-44 mandates 50/100/40 minimums, significantly higher than Virginia's standard 25/50/20.
Protects you when hit by drivers without insurance; required in Virginia at limits matching your liability coverage.
Covers theft, vandalism, and storm damage; required by lenders but not by FR-44 filing.
FR-44 Insurance
Hampton carriers price FR-44 aggressively due to I-64 and Mercury Boulevard accident rates and elevated DUI enforcement along Ocean View Avenue.
$185–$425/monthEstimated range only. Not a quote.
Non-Owner FR-44
Common in Hampton for drivers using Peninsula Transit or carpooling to Langley AFB during their suspension period.
$90–$175/monthEstimated range only. Not a quote.
Liability Insurance
Critical on Mercury Boulevard and I-64 where multi-vehicle accidents during rush hour create six-figure injury claims.
Included in FR-44Estimated range only. Not a quote.
Uninsured Motorist Coverage
Hampton's uninsured motorist rate near 12% makes this essential protection on Settlers Landing Road and downtown corridors.
$35–$80/monthEstimated range only. Not a quote.
Comprehensive Coverage
Flood risk in Buckroe Beach and theft rates in Phoebus make this costly but often necessary for financed vehicles.
$60–$140/monthEstimated range only. Not a quote.