Chubb offers the best home insurance in Chesapeake, balancing affordability, customer service and coverage options. For those prioritizing price, Chubb provides the lowest premiums starting at an average rate of $159 per month.
Cheap Home Insurance in Chesapeake
Updated: June 11, 2025
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Key Takeaways
Chubb is the best overall home insurance company in Chesapeake while also having the cheapest rate at around $1,911 per year.
Home insurance in Chesapeake costs an average of $576 per month or $6,915 per year for most homeowners.
To get the best and cheapest home insurance in Chesapeake, determine your coverage needs beforehand, research costs and companies, and compare multiple quotes on an apples-to-apples basis.
Best Cheap Home Insurance Companies in Chesapeake
| Chubb | 99 | $159 | $1,911 |
| State Farm | 89 | $199 | $2,389 |
| Nationwide | 77 | $396 | $4,749 |
| Main Street America Insurance | 73 | $231 | $2,770 |
| Farmers | 69 | $535 | $6,419 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Chesapeake Home Insurance Cost?
Home insurance costs in Chesapeake depend on factors like your home’s age, chosen coverage and personal profile. Rates range from $203 to $2,063 monthly. Below, you can explore rates tailored to your home’s age and desired coverage level.
Data filtered by:Results filtered by:
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Age of Home:Newer Home
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $203 | $2,435 |
How to Get the Best Cheap Home Insurance in Chesapeake
Finding affordable home insurance in Chesapeake can be tough. We've created a step-by-step guide to help you discover the best cheap homeowners insurance options for your needs.
- 1
Decide on Coverage Beforehand
Determine your home insurance coverage needs to compare quotes easily and prevent being oversold by agents.
- 2
Research Cost and Discounts
Researching average home insurance costs in Virginia for your city and profile can help you gauge potential savings. Understanding what discounts you may qualify for will help you find companies that offer them, leading to lower rates.
- 3
Compare Company Offerings and Reputations
In addition to cost research, understand what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit and user review sites like Trustpilot.
- 4
Compare Many Quotes Through Multiple Means
Comparing multiple quotes from various sources helps you identify the best option for you. Pricing varies depending on where you get your quote. We recommend using online tools and contacting independent agents and captive agents to request quotes, ensuring you get the lowest price.
Best Home Insurance in Chesapeake: Bottom Line
The best and most affordable home insurance companies in Chesapeake are Chubb, State Farm and Nationwide. Comparing multiple quotes on your own is the smartest way to ensure you're getting the best rate.
Chesapeake Home Insurance: FAQ
Below, we answer common questions about home insurance in Chesapeake.
Who offers the best home insurance in Chesapeake?
Chubb is the best overall home insurance company in Chesapeake, with an average rate of $1,911 per year and a MoneyGeek score of 99 out of 100.
Who has the cheapest home insurance in Chesapeake?
Chubb is the cheapest provider for homeowners insurance in Chesapeake, with rates as low as $159 monthly.
What does home insurance cost in Chesapeake?
Home insurance costs in Chesapeake range from $2,435 to $24,751, depending on the coverage level and age of the home.
How We Decided the Best Cheap Home Insurance Companies in Chesapeake
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Chesapeake. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500-square-foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.