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Car travel is the main mode of transportation for hundreds of thousands of Virgina 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. Search and save on the best car insurance policies today.
The average cost of Virginia car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Virginia Beach, VA to find you the cheapest quotes in the area.
Here are the cheapest carriers in Virginia Beach for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | |
|---|---|
 Allstate | $58/mo |
 State Farm | $65/mo |
 Progressive | $66/mo |
 American Family | $155/mo |
 The General | $224/mo |
| Best Companies | ||
|---|---|---|
 Nationwide | $160/mo | |
American Family | $172/mo | |
 Safeco | $130/mo | |
 Liberty Mutual | $198/mo | |
 Mercury | $208/mo |
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In Virginia, motorists are required to purchase liability insurance in the following minimum coverage limits:
Proof of insurance should be kept in the vehicle at all times. This can be in the form of an insurance card or policy declaration page. And while lawyers and police officers may disagree about whether carrying proof of insurance is a law, your best bet is to comply with the recommendations of the DMV.
Getting older in Virginia Beach earns drivers a significant cost savings when it comes to their car insurance rates, as those in their 60s pay about one-third of what individuals under 20 years old are charged. However, once you reach your 80s, you’ll find that prices tend to increase and are similar to the premiums that those in their 30s pay. Ultimately, Virginia Beach values both experience behind the wheel and quick reaction times.
| Driver's Age | |
|---|---|
| teens | $379 |
| 20s | $239 |
| 30s | $190 |
| 40s | $178 |
| 50s | $168 |
| 60s | $131 |
| 70s | $150 |
| 80s | $185 |
| Driving History | |
|---|---|
| No Violation | $186 |
| Speeding Ticket | $236 |
| At-Fault Accident | $232 |
| Failure to Stop for Red Light / Stop Sign | $204 |
Motorists in Virginia Beach with a clean driving history get to enjoy the lowest rates compared to those with violations on their record, at rates that average $185. Failure to stop at an intersection adds roughly $18, while an at-fault accident pushes premiums up to $231. The most expensive moving violation in Virginia Beach is a speeding ticket, as drivers tend to see their car insurance rise to $235 after such an incident.
Drivers in Virginia Beach are rewarded based on how great their credit is, with car insurance rates gradually becoming lower and lower as one’s credit rating improves. If you have poor credit in this city, you can expect to pay $216. Motorists in both the average and good tiers pay around $207, while the most substantial savings come once you reach the excellent tier. Individuals in this category pay a mere $169.
| Credit Tie | |
|---|---|
| Excellent | $170 |
| Good | $208 |
| Average | $208 |
| Poor | $217 |
Virginia Beach County has multiple DMV outposts the city and surrounding areas. Most are open from 9 AM to 5 PM with varying morning and weekend hours.
Virginia Beach is not known for having the best public transportation options. Because of this, most residents drive cars in and around the city, leading to frequent traffic jams, especially during the busy summer season. Across the city, bus routes, metro, and long-haul train services by Amtrak operate stops throughout the city. Ridesharing services like Uber and Lyft, plus traditional taxis are also available. During the summer months, this beachside community is teaming with tourists on bicycles and other two-wheelers. Perhaps skip the traffic and partake in one of the many bike or scooter shares.
As Virginia Beach 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.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Virginia Beach drivers measure up to their fellow Virginia motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Virginia Beach drivers rank 7 in the number of car accidents per driver across all cities in Virginia.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Virginia, Virginia Beach drivers rank 26 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Virginia Beach drivers rank 8 in the number of DUI’s per driver across all cities in Virginia.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Virginia Beach is the Honda Civic.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Virginia, Virginia Beach drivers rank 9 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Virginia Beach drivers rank 23 in clean driving records across all cities in Virginia.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Virginia Beach drivers rank 14 in failure to yield violations per driver across all cities in Virginia.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Virginia, Virginia Beach drivers rank 8 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Virginia Beach drivers rank 23 in hybrid and electric vehicle ownership across all cities in Virginia.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
