Best Cheap Auto Insurance in Virginia Beach, Virginia (2024)

Obtaining cheap car insurance in Virginia Beach depends more on the choices you make than you may think.

Bob Phillips
Written byBob Phillips
Bob Phillips
Bob Phillips
  • 15+ years in personal finance advising and writing

  • Holds Chartered Life Underwriter (CLU) designation

Bob has spent 15+ years helping people plan their financial lives. As a freelance writer, he’s covered insurance, mutual funds, stocks and bonds, and more.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Updated February 26, 2024 at 11:00 AM PST

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The coastal city of Virginia Beach, located where the Chesapeake Bay meets the Atlantic Ocean, offers a rich history, culinary scene, and family-friendly attractions for locals and tourists alike.

Even though Virginia is affected by tropical storms, Virginia Beach drivers pay slightly less for car insurance than the state average for full-coverage car insurance. Comparing quotes and making efforts to reduce your risk to insurers can save you even more on your monthly premium. 

Here’s how to get the best coverage at the most affordable rates in Virginia Beach.

Quick Facts
  • Virginia is one of only two states where you may not need to carry coverage.

  • Car insurance rates in Virginia Beach are near the state average but are below those paid by Maryland residents.

  • Virginia allows insurers to consider your credit score when creating your quotes, meaning if you have a low credit score, your quote is likely to be higher.

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Best car insurance companies in Virginia Beach

The car insurance quotes you receive from insurance companies are based on many variables, including your age, vehicle, driving record, coverage limits, deductible, and credit score. This means the best car insurance company for you may not be the best one for someone else.

Below are three of the top insurers in Virginia Beach to get you started in your search.

Best insurer for low rates: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$38/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$63/mo

Auto-Owners Insurance Company offers the cheapest liability-only and full-coverage rates in Virginia Beach. A Fortune 500 company, Auto-Owners also has an A++ rating for financial stability from A.M. Best. Auto-Owners operates in 30 different states and also offers home, life, and business insurance.

Pros
  • Offers the lowest rates in Virginia Beach for both liability-only and full-coverage insurance

  • Several discounts and options for coverage available

Cons
  • Not available in all 50 states

  • Digital tools lag behind some competitors

I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.

Mary - August 13, 2023
Verified

I was dropped because of two minor at-fault accidents in two plus years.

Zachary - January 8, 2023
Verified

You can work directly with an agent.

Guy - May 17, 2022
Verified
Read our Auto-Owners review

Best insurer for customer service: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$39/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$65/mo

With competitive rates and excellent customer service, State Farm presents a reliable option you can count on. The company’s customer service has consistently ranked among the top in the industry, and State Farm has used this, in part, to sell more policies than any other insurer in the country.

Pros
  • Ranked higher than the industry average in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study

  • Rideshare insurance available

Cons
  • Gap insurance not available

  • No accident forgiveness

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best insurer for military members: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$51/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$87/mo

Whether you’re an active or reserve military personnel, a veteran, or a family member, USAA offers exclusive benefits and discounts, specialized coverages, and user-friendly digital tools. Eligible members can save money with good driver, bundling, and loyalty discounts, as well as through the company’s safe driving program, USAA SafePilot.

Pros
  • Affordable premiums

  • Ranked higher than the industry average in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study

Cons
  • Exclusively available to active military members, veterans, and their families

  • No 24/7 phone support

They have stopped thinking about how today's financial strain is impacting their customers.

Darcy - November 26, 2023
Verified

Not satisfied with price hike even after lowering coverage.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
Read our USAA review

Cheapest liability-only car insurance in Virginia Beach

Virginia is one of only two states that allow you to prove you have the financial resources to pay for any damage you cause in the event of a crash in lieu of buying insurance.[1] If you can’t, or choose not to, you’ll need to buy at least liability-only coverage that meets the state’s minimum requirements.

It’s important to remember that property damage and bodily injury liability coverage with a liability-only policy only pays for the other driver’s vehicle and property damage and injuries. It doesn’t cover repair costs for your vehicle or any of your medical bills due to an accident you cause.

Here’s a list of the most affordable insurers in Virginia Beach for liability-only coverage.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Auto-Owners38
State Farm39
USAA51
GEICO52
Chubb56
Erie59
Clearcover60
Mercury60
Safeco65
Nationwide66
State Auto72
Allstate81
Progressive84
Elephant85
Liberty Mutual89
Direct Auto90
National General98
AssuranceAmerica101
Dairyland110
CSAA131
Bristol West139
The General155
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Virginia Beach

If you’re looking for more robust insurance coverage, you may choose to purchase full-coverage insurance instead. And if you’re financing or leasing your car, your lender may require you to buy full-coverage insurance no matter what. While liability-only coverage takes care of the other driver, their passengers, and their vehicle, full coverage also protects your vehicle.

Here’s a list of the most affordable full-coverage insurance options in Virginia Beach.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Auto-Owners63
State Farm65
USAA87
GEICO88
Chubb96
Erie100
Clearcover101
Nationwide109
Mercury116
Safeco120
Allstate136
State Auto143
Elephant147
Direct Auto152
AssuranceAmerica155
Liberty Mutual159
Progressive161
National General189
CSAA204
Dairyland230
Bristol West272
The General274
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Virginia

If you’re looking for liability-only coverage in Virginia, you’ll need coverage that meets the state’s minimum requirements:

CoverageMinimum Requirements
Bodily injury liability
  • $30,000 for injury or death of one person
  • $60,000 for injury or death of two or more people2
Property damage liability
  • $20,000
Important Information

These limits will increase for policies effective on or after Jan. 1, 2025. The new requirements will be $50,000/$100,000 for bodily injury liability and $25,000 for property damage liability.

Cheapest car insurance for drivers with an incident

Driving incidents include speeding tickets, at-fault accidents, and driving under the influence (DUI). If you have any of these incidents on your record, your rates are likely to increase, and depending on the severity or frequency of such incidents, your insurer may drop you altogether.

On the other hand, your insurer may lower your rates after a couple years if you’ve had no further incidents appear on your driving history. Not all incidents are judged the same, and insurance companies generally look at DUI incidents as more severe than at-fault accidents and speeding tickets.

Below, you’ll find a collection of the most affordable insurers in Virginia Beach if you have an incident on your record.

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Cheapest car insurance for drivers with a speeding ticket

If a speeding ticket appears on your record, your insurer could raise your rates. Two or more speeding tickets in a three-year period, however, and you should expect your insurer to raise your rates.

Here’s a look at the insurers offering the most affordable coverage for drivers with a speeding ticket in Virginia Beach.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm82
Auto-Owners83
USAA111
GEICO112
Chubb125
Clearcover138
Erie140
Nationwide141
Safeco165
Mercury170
Allstate173
Elephant189
State Auto197
Direct Auto203
AssuranceAmerica214
Progressive214
Liberty Mutual219
National General243
CSAA271
Dairyland303
Bristol West353
The General362
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

An at-fault accident will almost always result in an insurance company bumping your rates up. Some companies have accident-forgiveness programs that mean you won’t endure a rate increase after certain types of accidents or after you’ve been insured for a specific period without an accident claim.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Auto-Owners85
State Farm86
USAA116
GEICO118
Chubb129
Erie143
Nationwide147
Clearcover166
Safeco176
Mercury177
Allstate181
Elephant198
State Auto209
Direct Auto212
AssuranceAmerica219
Progressive224
Liberty Mutual228
National General257
CSAA287
Dairyland313
Bristol West362
The General378
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

Insurance companies generally see a DUI as the most serious type of incident. Some insurers will raise your rates for a DUI on your record, and others may cancel your coverage or refuse to insure you when you apply for new coverage. Once the DUI is off your Virginia DMV report, you’ll likely see your car insurance rates drop.

The most affordable insurers in Virginia Beach for drivers with a DUI on their record are listed below.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Auto-Owners100
State Farm104
USAA139
GEICO140
Erie143
Chubb153
Clearcover161
Nationwide174
Mercury188
Safeco191
Allstate217
Direct Auto218
State Auto228
Elephant234
AssuranceAmerica247
Liberty Mutual254
Progressive257
National General301
CSAA325
Dairyland367
Bristol West434
The General437
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors

After enduring the high cost of car insurance in your teens, you enjoyed your rate dropping around age 25. Unfortunately, regardless of how good your driving record is, car insurance rates tend to start rising around age 75.

Car insurance rates are higher for seniors for a couple reasons. First, older drivers are statistically more likely to be involved in an accident than younger adult drivers.[2] Second, the injuries seniors suffer from car accidents are often more serious, which leads to expensive medical bills and higher costs for your insurer.[3]

All of this isn’t to say you can’t find affordable car insurance in Virginia Beach as a senior driver. Start with the companies presented below.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Auto-Owners32
State Farm32
Chubb43
GEICO47
Erie48
USAA48
Nationwide51
Progressive69
Mercury70
Allstate74
Safeco78
Clearcover80
Direct Auto81
Elephant81
AssuranceAmerica82
Liberty Mutual88
National General122
Dairyland135
Bristol West154
The General174
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens

If you’re a teen driver or have a teen driver, you know teens pay some of the highest car insurance rates on the market. This is because many young drivers have recently obtained their driver’s license, tend to speed, drive when distracted, and are generally inexperienced when faced with road hazards, like icy roads or torrential rain. Teens’ decision-making also isn’t always the best, and research shows alcohol is also a factor in many crashes involving teens.[4]

The good news for teen drivers, however, is there are ways to save money on car insurance. They include staying on your parents’ car insurance, driving a safe car, and earning a good student discount. Other discounts available from insurers include good driver and accident-free discounts.

You can also save by selecting an affordable policy to begin, and you can review the average monthly quotes presented here.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Auto-Owners105
State Farm111
GEICO138
USAA143
Chubb176
Clearcover180
Erie182
Nationwide186
Mercury213
Safeco214
Allstate238
Elephant243
State Auto255
Liberty Mutual269
Direct Auto276
Progressive287
AssuranceAmerica292
CSAA339
National General359
Dairyland372
The General436
Bristol West450
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get the cheapest car insurance in Virginia Beach

Factors such as your age, driving record, type of vehicle, and coverage options can all play a role in determining your car insurance rate. But whether you’re a new driver or looking to switch companies, you can save by applying the following strategies:

  • Consider higher deductibles. Opting for a higher deductible can lower your premiums, but you’ll pay more out of pocket if you need to file a claim.

  • Maintain a clean driving record. Avoid accidents and traffic violations that can lead to higher premiums by practicing safe driving habits.

  • Look for discounts. Take advantage of common discounts — such as good driver, multi-policy, or safety feature discounts — to reduce your insurance costs.

  • Bundle your policies. Bundling your car insurance with other policies, such as homeowners insurance or renters insurance, can often lead to additional discounts and overall savings.

  • Compare quotes. You can find the most competitive rates and coverage options by comparing quotes from different insurers.

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Virginia Beach car insurance quotes by credit tier

Insurers can use your credit score as a factor when determining your car insurance rates in the state of Virginia. This is important because insurers generally consider people with lower credit scores to be more likely to file a claim. As such, drivers with excellent or good credit scores typically pay significantly less than drivers with poor credit scores.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Virginia Beach?

Virginia Beach residents pay an average of $169 for liability-only coverage and $250 per month for full coverage. This is comparable to the averages of $159 and $253, respectively, across the state. Virginia residents also pay less for insurance than residents of Maryland, but their insurance prices are higher than those paid by West Virginia residents.

Part of the reason insurance costs could be higher in Virginia is the state’s higher cost of living and the risk presented by seasonal hurricanes.

Virginia Beach car insurance FAQs

Finding the right level of auto coverage for an affordable price doesn’t have to feel overwhelming. The information below should answer your remaining questions and help you navigate the process of finding the best Virginia Beach insurer for you.

  • What are the best car insurance companies in Virginia Beach?

    The best car insurance company in Virginia Beach is a close competition between several insurers. Auto-Owners offers the most affordable rates; however, State Farm is right behind and has an Insurify Quality Score of 4.4, compared to Auto-Owners’ score of 4.0. USAA is also a quality option in Virginia Beach, but its services are only available to members of the military and their families.

  • How much is car insurance in Virginia Beach?

    The average cost of liability-only coverage in Virginia Beach is $169, while full coverage averages $250. This places rates in Virginia Beach right around the state average, and rates in Virginia are significantly cheaper than those in Maryland.

  • Is it illegal to drive without car insurance in Virginia?

    Not necessarily. Virginia is one of only two states (the other being New Hampshire) where you can disregard liability coverage if you possess the financial means necessary to cover your liability requirements on your own. If you don’t have such funds or don’t wish to cover this potential expense, you’ll need to carry liability-only coverage that at least meets the state’s minimum requirements.

  • How much car insurance is required in Virginia?

    If you’re carrying liability-only car insurance in Virginia, your insurance must meet the state’s minimum requirements. This includes bodily injury liability coverage amounting to $30,000 for injury or death of one person and $60,000 for injury or death of two or more people. Your policy must also include property damage liability protection of $20,000.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Virginia Department of Motor Vehicles. "Financial Responsibility Requirements." Accessed July 14, 2023
  2. IIHS. "Older Drivers." Accessed July 14, 2023
  3. CDC. "Older Adult Drivers." Accessed July 14, 2023
  4. IIHS. "Teens." Accessed July 14, 2023
Bob Phillips
Bob Phillips


Having spent more than 15 years helping people plan their lives financially, Bob
mastered many different financial products to help people achieve their financial
goals, including life insurance, disability insurance, mutual funds, and stocks and
bonds. He earned the Chartered Life Underwriter (CLU) designation and held
numerous securities licenses. Bob is an internationally published poet and is now
a freelance writer living in North Texas with his wife and Doberman puppy.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

Featured in

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Compare Car Insurance Quotes Instantly

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