Cheap Auto Insurance Quotes in Virginia Beach, VA (2023)

State Farm, USAA, and GEICO offer the cheapest rates for full-coverage car insurance in Virginia Beach.

Mark Steinbach
Written by
Mark Steinbach
Mark Steinbach
Written by
Mark Steinbach
Insurance Writer
Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.
Courtney Mikulski
Edited by
Courtney Mikulski
Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 

Updated January 24, 2023

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Mark Steinbach
Written by
Mark Steinbach
Mark Steinbach
Written by
Mark Steinbach
Insurance Writer
Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.
Courtney Mikulski
Edited by
Courtney Mikulski
Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 

Updated January 24, 2023

Virginia Beach is a bustling resort city with an increasing amount of tourism spending each year.[1] Full-time residents may be used to busy roads packed with tourists — but does this translate to higher car insurance premiums?

Minimum-coverage vehicle insurance in Virginia Beach costs $147 per month on average, which is $50 less than the state average of $197. Full-coverage car insurance costs $221 per month, firmly above the state average. Virginia requires all car owners to have valid insurance, so finding the right policy at an affordable price is essential.

How much does car insurance cost in Virginia Beach?

Insurance costs vary widely in Virginia Beach based on a variety of factors, including your driving history, your driving habits, and the type of vehicle you drive.[2] Comparing quotes from different insurance companies can help you find the cheapest auto insurance rates.

Insurify data scientists closely analyzed insurance rates in Virginia Beach to help you find the cheapest auto insurance policy. Virginia Beach drivers can expect average rates between $51 on the low end for minimum coverage and up to about $365 for a full-coverage policy.

  • The cheapest company for liability insurance in Virginia Beach is State Farm, at $51 per month.

  • The cheapest company for full-coverage insurance in Virginia Beach is State Farm, at $78 per month.

  • The cheapest coverage for new drivers in Virginia Beach is Stillwater, at $109 per month.

See More: Cheap car insurance in Virginia

Cheapest car insurance in Virginia Beach: State Farm

State Farm offers the cheapest average car insurance rates in Virginia Beach, at $51 per month for liability-only coverage and $78 per month for full coverage. On average, State Farm insurance costs $64 per month in Virginia Beach, factoring in liability-only and full-coverage options. Insurance companies in Virginia Beach weigh several factors when determining premium rates, including your ZIP code, the number of drivers on the policy, the age of the policyholder, type of vehicle, driving history, and credit score.[2]

The following table shows average monthly quotes for both liability-only and full-coverage policies in Virginia Beach.

Insurance CompanyLiability OnlyFull Coverage
State Farm$51$78
USAA$65$104
GEICO$66$104
Erie$77$118
Safeco$84$128
Allstate$96$164
Elephant$115$157
Mercury$117$188
Liberty Mutual$130$198
AssuranceAmerica$171$285
Bristol West$188$291
Direct Auto$188$221
The General$240$365
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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Average cost of auto insurance in Virginia Beach

Car insurance in Virginia Beach costs between $64 per month on the low end and $303 per month on the high end. The average cost of car insurance in Virginia Beach sits somewhere in the middle, at $184 per month.

The table below shows the average car insurance rates from several different insurance providers in Virginia Beach. These data points emphasize the significant difference in prices based on the insurer — and how important it is to compare rates on car insurance.  

Insurance CompanyAverage Monthly Quote
State Farm$64
USAA$84
GEICO$85
Erie$98
Safeco$106
Allstate$130
Elephant$136
Mercury$153
Liberty Mutual$164
Direct Auto$205
AssuranceAmerica$228
Bristol West$239
The General$303
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.

Average car insurance premiums in Virginia Beach by marital status

Average car insurance rates in Virginia Beach may vary based on the policyholder’s marital status. Single drivers in Virginia Beach pay $196 per month on average, while married drivers pay $10 less, at $186 per month. Married couples can insure multiple cars on one car insurance policy, which usually comes with a multi-car discount, depending on the insurer. Furthermore, couples who bundle homeowners or renters insurance with their car insurance may see more savings.

How much car insurance do you need in Virginia Beach?

While drivers in Virginia are legally required to carry at least a certain amount of car insurance limits, drivers who opt for liability-only insurance coverage may be more financially vulnerable if they’re in an accident. These are Virginia’s minimum car insurance requirements:

  • $30,000 per person for bodily injury coverage

  • $60,000 per accident for bodily injury coverage

  • $20,000 for property damage liability coverage

However, these minimum requirements are scheduled to increase to 50/100/25 for policies in effect after Jan. 1, 2025.[3]

Virginia’s Department of Motor Vehicles instructs drivers to keep proof of insurance in their vehicle at all times. You should be prepared to show proof of insurance while registering your vehicle, if you’re involved in an accident, or if law enforcement pulls you over.[3]

Virginia DMV information

Virginia Beach drivers can utilize the Virginia Department of Motor Vehicles (DMV) to complete various vehicle-related tasks, such as registering a vehicle, renewing a driver’s license, paying tickets, and purchasing license plates. Drivers can skip the line and complete many of these tasks online at the Virginia DMV website.

See Also: What is Liability Car Insurance?

Tips for getting cheap car insurance in Virginia Beach

Virginia Beach drivers have many opportunities to save on car insurance. Here are a few easy tips to consider as you buy your next policy: 

  • Explore discounts. Car insurance companies offer various discounts to help drivers access savings. Older drivers should explore bundling home and auto insurance, while younger drivers should take advantage of good student discounts. 

  • Purchase a safe vehicle. Drivers who purchase vehicles equipped with advanced safety features and boasting high safety standards are more likely to qualify for discounts.

  • Enroll in a defensive driving course. Many car insurance companies provide discounts to drivers who enroll in defensive driving courses. Providers consider you a lower risk for claims if you’ve proven you take safe driving seriously.[4]

  • Improve your credit score. Virginia is one of many states that allow insurers to weigh credit scores when determining car insurance rates.[5] Virginia Beach drivers looking for cheaper rates should maintain good credit. 

  • Compare rates. Car insurance rates vary widely among different companies. Comparing car insurance quotes is a good idea because it helps you see many different rates side by side, making it easy to pinpoint the best option.[4]

 See More: Compare Home and Auto Insurance Bundles

How age affects car insurance rates in Virginia Beach 

Car insurance companies in Virginia Beach consider age when determining car insurance rates.[2] Teenagers in Virginia Beach pay the highest average rates for car insurance, at $469 per month. The Centers for Disease Control and Prevention determined that teens between the ages of 16 and 19 are more likely to be involved in a motor vehicle accident, which contributes to their higher average rates.[6]

The table below shows how car insurance rates in Virginia Beach vary by age. Young drivers tend to pay more for car insurance, and the average rate decreases as drivers get older.

Age GroupAverage Monthly Quote
Teenagers$469
Younger than 25$296
25–29$244
30s$185
40s$174
50s$168
60s$131
70s$160
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.

Check Out: Compare Car Insurance by Age and Gender

Cheapest car insurance for young drivers in Virginia Beach

Young drivers in Virginia Beach pay more for car insurance, on average. Stillwater offers young drivers the lowest rate for car insurance, with an average quote of $109 per month. Young drivers with good grades and safe driving habits can qualify for discounts and save on auto insurance.[7]

The following table provides insight into what young drivers can expect to pay for car insurance in Virginia Beach.

Insurance CompanyAverage Monthly Quote
Stillwater$109
Kemper$116
Travelers$148
Nationwide$160
Safeco$170
Midvale Home & Auto$190
Elephant$196
National General$226
Clearcover$227
State Auto$234
Progressive$249
Mercury$268
Liberty Mutual$279
Direct Auto$310
AssuranceAmerica$374
Bristol West$405
Dairyland$464
The General$471
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.

Learn More: Cheapest Car Insurance for Drivers Under 25

Cheapest car insurance for middle-aged drivers in Virginia Beach

Middle-aged drivers are more experienced than young drivers and tend to pay less for car insurance as a result. Kemper offers middle-aged drivers the lowest average rate for car insurance in Virginia Beach, at $83 per month. Middle-aged drivers can save on car insurance by bundling their home and auto policies.[4]

The table below shows average costs by company for middle-aged drivers in Virginia Beach.

Insurance CompanyAverage Monthly Quote
Kemper Preferred$83
Safeco$122
Clearcover$123
Elephant$130
Stillwater$130
National General$138
Midvale Home & Auto$140
Mercury$144
Nationwide$144
Travelers$146
Liberty Mutual$152
Direct Auto$153
State Auto$158
Progressive$210
AssuranceAmerica$214
Bristol West$227
Dairyland$274
The General$290
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 senior drivers in Virginia Beach

Clearcover offers the lowest average quote for senior drivers in Virginia Beach, at $67 per month. Senior drivers can save on car insurance by enrolling in defensive driving courses, finding discounts through AARP, or purchasing a vehicle with advanced safety features. The average quotes in the following table refer to full-coverage policies.[4] 

Here are average monthly quotes from top companies providing coverage to senior drivers in Virginia Beach.

Insurance CompanyAverage Monthly Quote
Clearcover$67
Nationwide$87
Travelers$93
Safeco$101
Midvale Home & Auto$105
Kemper Preferred$112
National General$112
Mercury$118
Elephant$119
Liberty Mutual$127
Direct Auto$138
Progressive$146
AssuranceAmerica$165
Bristol West$173
Dairyland$227
State Auto$232
The General$289
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 credit scores affect cheap car insurance in Virginia Beach

Virginia is one of many states that allows car insurance companies to consider credit scores when determining rates.[5] FICO considers excellent, good, fair, and poor credit scores as follows:

  • Poor: 579 and below

  • Fair: 580–669

  • Good: 670–739

  • Very good: 740–799

  • Excellent: 800 and above [8]

Insurance companies will consider a customer’s credit history in order to determine the likelihood that they’ll file a claim. About 95% of car insurance companies use credit score as a factor in setting insurance rates, though it’s not the sole factor.[5]

Virginia Beach drivers with excellent credit scores pay less for car insurance on average, at just $187 per month, which is $55 less per month than drivers with fair credit scores and $188 less than drivers with poor credit scores. The average rates in the table below refer to full-coverage policies.

Credit TierAverage Monthly Quote
Excellent$187
Good$220
Fair$242
Poor$375
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.

The effect of driving habits on car insurance in Virginia Beach

Your driving habits have an impact on how much you pay for car insurance.[2] For instance, car insurance companies may set higher rates if you have a history of speeding tickets or at-fault accidents. Auto insurance companies consider you a higher risk for future claims if you have moving violations on your record, which contributes to higher average rates.[9]

See Also: Cheapest Car Insurance by Driving Record

Cheapest car insurance with a clean record in Virginia Beach: State Farm

If you have a clean driving record, you’ll pay less for car insurance on average in Virginia Beach. As you can see in the table below, State Farm offers the lowest rates for drivers with clean driving records, at $78 per month on average.

Insurance CompanyClean Record
State Farm$78
GEICO$104
USAA$104
Erie$118
Safeco$128
Elephant$157
Allstate$164
Mercury$188
Liberty Mutual$198
Direct Auto$221
AssuranceAmerica$285
Bristol West$291
The General$365
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 with an accident in Virginia Beach: State Farm

Virginia Beach drivers with an accident on their record pay more for car insurance than drivers with a clean record. In the table below, State Farm offers Virginia Beach drivers with an accident the lowest average rates on car insurance at $111 per month, which is $33 more than the average rate with a clean record. 

Insurance CompanyClean RecordWith AccidentDifference
State Farm$78$111$33
GEICO$104$149$45
USAA$104$149$45
Erie$118$170$52
Safeco$128$184$56
Elephant$157$224$67
Allstate$164$235$71
Mercury$188$270$82
Liberty Mutual$198$283$85
Direct Auto$221$317$96
AssuranceAmerica$285$409$124
Bristol West$291$417$126
The General$365$523$158
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 with a DUI in Virginia Beach: State Farm

Having a DUI on your record will significantly affect your car insurance rates. As shown in the table below, State Farm offers Virginia Beach drivers with a DUI the lowest average rates on car insurance at $155 per month, which is $77 more than the company’s average rate for drivers with a clean record.

Insurance CompanyClean RecordWith DUIDifference
State Farm$78$155$77
GEICO$104$207$103
USAA$104$207$103
Erie$118$236$118
Safeco$128$255$127
Elephant$157$311$154
Allstate$164$326$162
Mercury$188$374$186
Liberty Mutual$198$393$195
Direct Auto$221$440$219
AssuranceAmerica$285$567$282
Bristol West$291$578$287
The General$365$726$361
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 with a speeding ticket in Virginia Beach: State Farm

Virginia Beach drivers with a speeding ticket on their record pay more for car insurance on average, though the difference is more modest compared to drivers with a DUI or accident. In the table below, State Farm offers the lowest rates on car insurance to drivers with a speeding ticket on their record, at $104 per month. 

Insurance CompanyClean RecordWith Speeding TicketDifference
State Farm$78$104$26
GEICO$104$140$36
USAA$104$140$36
Erie$118$159$41
Safeco$128$172$44
Elephant$157$210$53
Allstate$164$220$56
Mercury$188$252$64
Liberty Mutual$198$265$67
Direct Auto$221$297$76
AssuranceAmerica$285$383$98
Bristol West$291$390$99
The General$365$490$125
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.

Car insurance in other Virginia cities

Car insurance rates in Virginia vary by city. Below you’ll find information about car insurance rates in some other Virginia cities:

Virginia Beach driving conditions

As a major metropolitan area with nearly half a million full-time residents[10] and a vibrant tourism industry, the roads of Virginia Beach can be busy. Virginia Beach Boulevard passes through the city and brings drivers from Norfolk to the Virginia Beach oceanfront, which draws a high volume of traffic into the city. 

“It’s pretty hectic around Virginia Beach,” says Rob Barton, a Virginia Beach independent insurance agent at Barton Insurance. “More people are driving around the city now, which has resulted in more claims.”

Virginia Beach had 5,300 car crashes in 2020, the most of any Virginia city over that period. Of those crashes, 419 were alcohol-related, which was also the highest total in the state.[11] Virginia Beach drivers should keep these statistics in mind when purchasing car insurance, and consider buying robust collision insurance.

Virginia Beach is a low-lying coastal city, which makes it at risk for flash flooding. Drivers in the area should consider opting for comprehensive insurance, which covers you in the event of floods. The Virginia Beach city website offers detailed information on flood zones.

“Whether you’re in a coastal city or not, you want to be protected against flooding,” Barton says. “If you have good credit and a car that isn’t too expensive to insure, full coverage shouldn’t cost you much more.”

Auto theft statistics in Virginia Beach

Your area’s crime rate factors into your car insurance rates. Virginia Beach experienced 579 motor vehicle thefts in 2019. Virginia Beach’s auto theft rate is still much lower than that of other large Virginia cities, such as Richmond (854) or Norfolk (799).[12]

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Virginia Beach car insurance FAQs

Here are answers to some commonly asked questions about car insurance in Virginia Beach.

  • Virginia Beach drivers pay an average rate of $147 per month for liability-only insurance and $221 per month for full coverage. 

  • Virginia requires drivers to carry a minimum of $30,000 per person of bodily injury coverage, $60,000 per accident of bodily injury coverage, and $20,000 of property damage liability coverage.[3]

  • Virginia Beach drivers who drive an uninsured vehicle should expect to pay a $600 fine, according to the Virginia Department of Transportation.[3]

  • State Farm, USAA, and GEICO offer the lowest average rates for Virginia Beach drivers. 

  • While State Farm, USAA, and GEICO offer the lowest average rates for car insurance in Virginia Beach, the best car insurance company will vary for each driver. It’s important to shop around and get quotes to find the insurer that offers the coverage you need at a rate that fits your budget.

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. City of Virginia Beach. "Virginia Beach Convention & Visitors Bureau Reports $3.3 Billion in Economic Impact of Tourism for 2021." Accessed January 18, 2023
  2. III. "What determines the price of an auto insurance policy?." Accessed January 19, 2023
  3. Virginia Department of Motor Vehicles. "Insurance Requirements." Accessed January 19, 2023
  4. III. "Nine ways to lower your auto insurance costs." Accessed January 19, 2023
  5. NAIC. "Credit-Based Insurance Scores." Accessed January 19, 2023
  6. The Centers for Disease Control. "Teen Drivers and Passengers: Get the Facts ." Accessed January 19, 2023
  7. III. "Auto insurance for teen drivers." Accessed January 19, 2023
  8. FICO. "What is a Credit Score?." Accessed January 19, 2023
  9. III. "Do auto insurance premiums go up after a claim?." Accessed January 19, 2023
  10. U.S. Census Bureau. "U.S. Census Bureau QuickFacts: Virginia Beach city, Virginia." Accessed January 19, 2023
  11. Virginia Department of Motor Vehicles. "2020 Virginia Traffic Crash Facts." Accessed January 19, 2023
  12. Federal Bureau of Investigation. "Offenses Known to Law Enforcement by City, 2019." Accessed January 19, 2023
Mark Steinbach
Written by
Mark Steinbach
Linkedin

Insurance Writer

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.

Learn More
Courtney Mikulski
Edited by
Courtney Mikulski

Senior Editor

Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio.