As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Visit our full-length guide to all things Virginia insurance.

Car travel is the main mode of transportation for hundreds of thousands of Virginia Beachers. Finding the right car insurance policy for you and your lifestyle is a vital step towards safe driving in Virginia Beach. With all those cars on the streets, a solid auto insurance policy is vital for every driver in this sunny seaside city. Virginia is for (savings) lovers.

Find cheap car insurance quotes for Virginia Beach today.

Cheapest Car Insurance Quotes in Virginia Beach

Here are the cheapest insurance companies in Virginia Beach-based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Clean driving records may amount to “good driver discounts,” resulting in lower overall insurance costs.

Insurance CompanyQuotes
Allstate$58/month
State Farm$65/month
Progressive $66/month
American Family$155/month
The General$224/month

USAA often offers the lowest car insurance rates to Virginia Beach drivers, but it is only available to active-duty members of the military, veterans, and their immediate families.

Best Car Insurance Companies in Virginia Beach

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top-rated companies that offer car insurance in Virginia Beach. For the complete list, see Insurify’s best car insurance companies.

Insurance CompanyScoreQuotes
American Family88$155/month
Allstate86$83/month
State Farm83$65/month
Progressive78$78/month

Compare Average Premiums 

Insurance rates vary greatly from town to town. Virginia Beach has lower average premiums compared to the state and national averages. Keep the savings rolling and compare policies on Insurify today. 

Virginia Beach Average Premium Virginia Average Premium National Average Premium
$114/month $129/month $131/month

Virginia Beach Auto Insurance FAQs

Which car insurance company offers the cheapest rates in Virginia Beach?

The best way to get the cheapest car insurance in Virginia Beach and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high-risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

Are there any unique driving laws in Virginia Beach?

For visitors, some Virginia Beach driving laws may seem quite strange. A designated “no cruising zone” on Atlantic Avenue forbids vehicles from passing the street more than once in an allotted amount of time. This diminishes vehicle congestion along this touristy strip. 

What are the penalties of driving uninsured in Virginia Beach?

Driving uninsured puts yourself and the drivers and passengers in the cars around you in great danger. You should never drive uninsured. Penalties for driving uninsured are severe and may include driving privilege and vehicle registration suspensions, revocation of license plates, statutory fees, reinstatement fees, and SR-22 requirements. 

How do I insure my classic car in Virginia Beach? 

Classic cars, antiques, collectibles—there are several designations given to vehicles that are more than a transportation machine. And auto enthusiasts need special considerations for their unique cars. If you have a classic car, it’s best to go with a company that specializes in vintage and collectible cars. Because these cars require different care and undergo radically different use than a practical vehicle, a regular policy may leave gaps in coverage. This is especially true for comprehensive coverage of vehicles with special repairs, restoration, or upgrades. These can change the value of your car drastically, so it is essential to reach an agreement with your insurer about your car’s value.

Virginia Beach Auto Insurance Requirements 

All vehicles on the roadways of Virginia are required to hold sufficient liability insurance

Liability coverage is a safety necessity. Check out this guide to the state minimum car insurance requirements.

Virginia’s minimum coverage for liability car insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident

Driving records, prior car accidents, prior moving violations, speeding tickets, commute length, and other demographic factors may cause fluctuation to your Virginia Beach auto insurance rates.

Read more about Virginia car insurance requirements

Comprehensive and collision coverage are supplemental options offered by insurance providers to protect your vehicle and passengers from “Acts of God,” vandalism, and other uncontrollable circumstances. 

For a free quote, compare auto insurance companies on Insurify. 

Virginia Beach DMV Information 

Virginia Beach County has multiple DMV outposts throughout the city and surrounding areas. Most are open from 9 AM to 5 PM with varying morning and weekend hours. 

Public Transit in Virginia Beach

Virginia Beach is not known for having fantastic public transportation. Because of this, most residents drive cars in and around the city, leading to frequent traffic jams on a during the busy summer season Across the city, bus routes and long-haul train services operate stops. Ridesharing services like Uber, Lyft, and traditional taxis operate across the city. During the summer months, this beachside community is teeming with bicycles and tourists, so watch out. Maybe just skip the traffic and scoot around!

Conclusion: How to get the best and cheapest car insurance in Virginia Beach

As American drivers know too well, enough of their precious time is wasted sitting in traffic each year. There’s no need to waste more time finding the perfect auto insurance policy. Use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.

There are over 7 million registered vehicles in Virginia. With an estimated 10 percent of vehicles driving uninsured throughout the state, give yourself peace of mind with sufficient car insurance coverage. Don’t become just one more uninsured motorist—get quotes with Insurify to get the best coverage and rates for your car at a price that works for you.

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Updated May 6, 2020

Jackie Cohen received her B.A. in Global Media and Public Relations from the University of Massachusetts, Amherst. Currently based in Boston, MA, she works as a content writer for Insurify. An avid globe-trotter and foodie, Jackie spends her spare time adventuring far and near.