120+ more*Quotes generated for Insurify users in and around Virginia Beach, Virginia within the last 10 days. Last updated on May 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Virginia Beach, Virginia within the last 10 days. Last updated on May 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
Virginia Beach is the largest city in the state, home to about 450,000 residents.[1] But Virginia Beach car insurance costs are closer to neighboring Chesapeake than to Norfolk, the latter of which is generally more expensive.
The average cost of auto insurance in Virginia Beach is $122 per month for state-minimum coverage and $201 for full coverage. Coastal flood exposure, tropical cyclones, and tornado risk drive rates above the state average.
That said, Virginia Beach’s 23-minute average commute is below the state average of 27 minutes. Additionally, vehicle theft is at a five-year low, which could keep rates lower than in other Virginia cities.[2]
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Car insurance in Virginia Beach costs more than the state average of $116 per month for liability coverage and $201 for full coverage. Auto-Owners and State Farm offer some of the most affordable pricing in the area.
Virginia car insurance requirements include $50,000 per person and $100,000 per accident in bodily injury liability, plus $25,000 for property damage liability.[3] Before July 2024, Virginia drivers could pay a $500 fee instead of buying insurance, but now all registered vehicles must have the state minimum coverage.[4]
Virginia Beach drivers may want to consider full coverage, though. Heavy rain, hurricanes, and nor’easter storms can cause flooding that damages vehicles. Comprehensive coverage would cover repairs in such instances. And, with 5,194 crashes in the city in 2023, collision coverage could also help pay for vehicle damage after an accident.[5]
The table below shows the cheapest car insurance in Virginia Beach for both liability-only and full coverage.
Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Auto-Owners | $56 | $101 |
| State Farm | $57 | $102 |
| USAA | $76 | $138 |
| Chubb | $83 | $152 |
| CSAA | $84 | $134 |
| Erie | $86 | $158 |
| Mercury | $86 | $156 |
| Elephant | $90 | $134 |
| Nationwide | $98 | $180 |
| GEICO | $102 | $171 |
| National General | $106 | $192 |
| Bristol West | $107 | $184 |
| Direct Auto | $117 | $201 |
| Allstate | $119 | $217 |
| GAINSCO | $119 | $250 |
| Progressive | $119 | $164 |
| Safeco | $124 | $179 |
| Dairyland | $140 | $320 |
| Liberty Mutual | $145 | $200 |
| AssuranceAmerica | $147 | $241 |
| Trexis | $147 | $272 |
| Root | $150 | $222 |
| The General | $153 | $326 |
| Travelers | $158 | $290 |
| Trexis One | $164 | $349 |
| Clearcover | $175 | $318 |
Winchester is the most affordable city for car insurance coverage in Virginia based on Insurify data. Norfolk and Richmond are the most expensive. Virginia Beach residents fall somewhere in the middle, paying above the state average.
Although Winchester is more densely populated, its fatal crash rate of 0.04 per 1,000 licensed drivers in 2023 was well below Virginia Beach’s 0.11. Norfolk and Richmond both reported higher fatal crash rates than Virginia Beach, which contributes to their higher premiums.[5]
You can compare average monthly car insurance quotes across popular Virginia cities in the table below.
City | Average Monthly Quote |
|---|---|
| Alexandria | $183 |
| Arlington | $155 |
| Charlottesville | $136 |
| Chesapeake | $163 |
| Harrisonburg | $129 |
| Lynchburg | $137 |
| Newport News | $176 |
| Norfolk | $192 |
| Portsmouth | $189 |
| Richmond | $190 |
| Roanoke | $135 |
| Virginia Beach | $162 |
| Woodbridge | $186 |
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Virginia Beach holds Oceanfront events throughout the year, which can draw crowds of 10,000 or more per day and quickly fill up parking garages. The city recommends checking the following during event weekends:
VirginiaBeach.gov/EventInfo for road closures
Waze for traffic updates
The city’s VB Go app for parking availability
The Resort Area has three parking garages — on 9th, 25th, and 31st Street — with more than 1,670 spaces available 24/7. Parking runs $1 per hour for stays under three hours, and $3 per hour after that, with a $24 daily maximum.
Virginia Beach drivers may also need to navigate flood-prone roads. Pungo and Princess Anne can see overflow from the North Landing River, while Town Center and Kempsville are susceptible to flash floods. Coastal neighborhoods like Bay Island and Ocean Park face storm surge risk during hurricanes and nor’easters.
Almost 6% of Virginia Beach drivers have an at-fault accident on their record, according to Insurify data. Virginia is an at-fault state, meaning you may be responsible for covering property damage and injuries if you cause an accident. Contributory negligence law means even partial fault can prevent you from recovering damages.
Insurify data also shows that nearly 1% of Virginia Beach drivers carry a driving under the influence (DUI) conviction. Roughly 10% of all DUIs in Virginia occur in Virginia Beach, according to the Virginia Beach Commonwealth’s Attorney’s Office.[6] As a result, the city maintains a specialized prosecution team dedicated to DUI cases.
Here you can see how average car insurance rates in Virginia Beach differ based on driving history.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $162 |
| Speeding ticket | $198 |
| At-fault accident | $209 |
| DUI | $209 |
Virginia Beach roads see fewer senior drivers than the state average. About 16% of residents are 65 or older compared to 18% statewide, according to the U.S. Census Bureau.[7]
Teen drivers in Virginia Beach must follow Virginia’s driving restrictions until age 18, meaning they can’t drive between midnight and 4 a.m., unless under certain circumstances, and have to adhere to a one-passenger limit for riders younger than 21. Teens also can’t use their phone while driving, even hands-free.
The following table shows the cheapest liability car insurance rates in Virginia Beach across different age groups.
Age | Average Monthly Quote |
|---|---|
| Teens | $251 |
| 20s | $164 |
| 30s | $129 |
| 40s | $119 |
| 50s | $112 |
| 60s | $103 |
| 70+ | $109 |
*Quotes generated for Insurify users in and around Virginia Beach, Virginia within the last 10 days. Last updated on May 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Virginia Beach, Virginia within the last 10 days. Last updated on May 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Virginia Beach’s tourism, population density, and severe weather contribute to its higher rates compared to the state average. If you still have questions, the information below can help you compare the best Virginia insurance companies and find affordable car insurance in Virginia Beach.
The average cost of car insurance in Virginia Beach is $122 per month for liability coverage and $201 for full coverage. But rates vary, so you should compare multiple car insurance quotes in Virginia Beach to find the right coverage.
State Farm is the most popular insurance company in Virginia, according to the Virginia State Corporation Commission, with more than $1.4 billion in premiums written and a 6.94% market share.[8]
Virginia eliminated the $500 uninsured motor vehicle fee option on July 1, 2024. All drivers must now maintain a liability car insurance policy. Minimum auto insurance coverage limits also increased to $50,000/$100,000/$25,000 on Jan. 1, 2025.
Mercury sells auto insurance policies through independent agents who can help you choose your coverage options and deductible. You can visit Mercury’s website to find a licensed insurance agent in Virginia Beach.
Auto-Owners offers the most affordable car insurance in Virginia, with liability coverage averaging $56 per month.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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5+ years experience in personal finance writing
Personal finance blogger
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.