Cheapest Auto Insurance in Virginia Beach, Virginia (2024)

Auto-Owners offers the cheapest liability coverage in Virginia Beach, starting at $40 per month.

Bob Phillips
Written byBob Phillips
Bob Phillips
Bob Phillips
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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
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Updated June 20, 2024

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Cheapest recent rates near Virginia Beach, Virginia

Drivers in and around Virginia Beach, Virginia have found policies from GEICO, Allstate, Mercury, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Virginia Beach, Virginia within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 20, 2024. 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 June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 about the same amount for car insurance than the rest of the state, on average. The overall average cost of car insurance in Virginia Beach is $134 per month, and the state overall average is $133 per month. 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
  • The average cost of car insurance in Virginia Beach is $100 per month for liability coverage and $169 per month for full coverage.

  • Auto-Owners is the cheapest car insurance company in Virginia Beach for full coverage, with a monthly rate of $72.

  • Minimum car insurance requirements in Virginia are increasing for policies created on or after Jan. 1, 2025.[1]

3 of the cheapest 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.

Insurance CompanyIQ 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.
Full CoverageLiability OnlyBest For
Auto-Owners8.5$72$39Low rates
State Farm9.3$73$40Customer service
USAA9.4$99$53Military members
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.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

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.
4.3
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.
$40/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.
$72/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 some of the lowest rates in Virginia Beach for both liability-only and full-coverage insurance

  • Several discounts and coverage options

Cons
  • Not available in all 50 states

  • Digital tools lag behind some competitors

Read our Auto-Owners review
Thomas - June 18, 2024
Verified

Pleased

I'm very pleased, but it got too expensive.

Phyllis - June 17, 2024
Verified

Interested in Changing

They are very difficult to contact with problems and questions.

Kenneth - June 17, 2024
Verified

Excellent

I would renew with them, but they are leaving Florida.

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.
4.6
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.
$41/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.
$73/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 2023 U.S. Auto Claims Satisfaction Study

  • Rideshare insurance available

Cons
  • Gap insurance not available

  • No accident forgiveness

Read our State Farm review
Ronald - June 20, 2024
Verified

Excellent Outcome

They were professional, helpful, supportive, and knowledgeable.

Henry Crognale - June 20, 2024
Verified

Good

Excellent customer service.

Carole - June 20, 2024
Verified

Fair

It's too expensive for seniors.

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.
4.7
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.
$55/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.
$98/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 2023 U.S. Auto Claims Satisfaction Study

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

  • No 24/7 phone support

Read our USAA review
Claude - June 20, 2024
Verified

Excellent

Outstanding all the time.

Christie - June 18, 2024
Verified

Ok

I have had USAA banking and auto insurance for 20 years. I just changed my bank account and am now looking for new insurance. They used to be awesome and nobody could even make me think of switching, but it seems people these days don't care about good customers.

John - June 18, 2024
Verified

USAA is tough to beat

I have yet to receive a quote that beats USAA!

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.

Shop for Car Insurance in Virginia Beach

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Cheapest liability-only car insurance in Virginia Beach: Auto-Owners

Virginia was one of two states that let drivers prove they can financially cover damages from an at-fault accident instead of buying car insurance. Starting July 1, 2024, drivers must purchase minimum liability car insurance.

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.

Virginia Beach drivers pay an average of $100 per month for liability coverage, but here’s a list of the most affordable insurers in the city to start your search.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$40
State Farm$41
Mercury$53
GEICO$55
USAA$55
Chubb$60
Clearcover$61
Erie$62
Safeco$71
Nationwide$72
Direct Auto$83
State Auto$83
Progressive$84
Allstate$86
Elephant$86
National General$98
AssuranceAmerica$105
Dairyland$107
Liberty Mutual$108
CSAA$125
Bristol West$136
The General$157
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: Auto-Owners

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.

The average cost of full-coverage insurance in the city is $169 per month. Here’s a list of the most affordable full-coverage insurance options in Virginia Beach.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$72
State Farm$73
GEICO$98
USAA$98
Clearcover$105
Chubb$107
Erie$111
Mercury$113
Safeco$115
Nationwide$127
State Auto$144
Direct Auto$148
Allstate$153
Elephant$153
Progressive$162
AssuranceAmerica$167
Liberty Mutual$175
National General$190
CSAA$198
Bristol West$269
Dairyland$269
The General$294
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 recent rates near Virginia Beach, Virginia

Drivers in and around Virginia Beach, Virginia have found policies from AssuranceAmerica, Direct Auto, National General, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Virginia Beach, Virginia within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 20, 2024. 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 June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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:[1]

CoverageMinimum Requirements
Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$20,000 per accident
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.

These are just minimum requirements. Drivers can also purchase the following add-ons to boost their car insurance coverage:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for vehicle repairs after non-collision incidents, such as severe weather damaging your car, theft, vandalism, and more.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for car repairs after you hit a stationary object or another car, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/150x150/203f9679f5/insurify-icons-auto-green-96x96_038-money.svg

    Gap coverage

    Also called guaranteed asset protection, this pays the difference between your auto loan balance and insurance settlement in the event of a total loss.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance helps cover the costs of towing, labor, and other services if your car breaks down.

Cheapest car insurance for drivers with an incident

Driving incidents include speeding tickets, at-fault accidents, and driving under the influence (DUI) convictions. 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.[2]

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.

Find Car Insurance in Virginia Beach

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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

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. Drivers with speeding tickets on their records in Virginia Beach pay an average of $140 per month for liability insurance.

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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Auto-Owners$40$52
State Farm$41$52
Mercury$53$73
GEICO$55$71
USAA$55$70
Chubb$60$78
Clearcover$61$79
Erie$62$81
Safeco$71$93
Nationwide$72$93
Midvale Home & Auto$75$100
Direct Auto$83$107
State Auto$83$116
Progressive$84$108
Allstate$86$110
Elephant$86$122
National General$98$125
AssuranceAmerica$105$137
GAINSCO$105$148
Dairyland$107$138
Liberty Mutual$108$153
Travelers$115$149
CSAA$125$165
Bristol West$136$174
The General$157$204
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: Auto-Owners

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.

Drivers in Virginia Beach with an at-fault accident on their records pay an average of $143 per month for liability coverage. Here are the cheapest companies after an accident.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Auto-Owners$40$53
State Farm$41$54
Mercury$53$75
GEICO$55$74
USAA$55$73
Chubb$60$81
Clearcover$61$87
Erie$62$84
Safeco$71$92
Nationwide$72$97
Midvale Home & Auto$75$106
Direct Auto$83$113
State Auto$83$122
Progressive$84$114
Allstate$86$115
Elephant$86$113
National General$98$131
AssuranceAmerica$105$140
GAINSCO$105$135
Dairyland$107$143
Liberty Mutual$108$157
Travelers$115$155
CSAA$125$175
Bristol West$136$179
The General$157$214
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: Auto-Owners

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. Drivers with speeding tickets on their records in Virginia Beach pay an average of $163 per month for liability insurance.

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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Auto-Owners$40$66
State Farm$41$68
Mercury$53$79
GEICO$55$91
USAA$55$91
Chubb$60$99
Clearcover$61$101
Erie$62$103
Safeco$71$118
Nationwide$72$119
Midvale Home & Auto$75$124
Direct Auto$83$138
State Auto$83$138
Progressive$84$139
Allstate$86$143
Elephant$86$143
National General$98$162
AssuranceAmerica$105$174
GAINSCO$105$174
Dairyland$107$177
Liberty Mutual$108$179
Travelers$115$191
CSAA$125$207
Bristol West$136$225
The General$157$260
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: Auto-Owners

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 70. Senior drivers in Virginia Beach pay an average of $73 per month for liability coverage and $123 per month for full coverage.

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.[3] Second, the injuries seniors suffer from car accidents are often more serious, which leads to expensive medical bills and higher costs for your insurer.[4]

But that doesn’t mean you can’t find affordable car insurance in Virginia Beach as a senior driver. Start with the companies below.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners$29$53
State Farm$30$53
Mercury$37$80
Chubb$41$73
GEICO$41$73
USAA$41$73
Erie$43$77
Clearcover$46$79
Nationwide$50$89
Midvale Home & Auto$54$89
Safeco$54$88
Progressive$56$108
Direct Auto$60$107
State Auto$60$103
Elephant$64$114
Allstate$65$115
National General$72$140
AssuranceAmerica$74$118
Dairyland$80$202
GAINSCO$81$190
Liberty Mutual$81$132
Travelers$85$151
CSAA$91$145
Bristol West$102$202
The General$120$226
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: Auto-Owners

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.[5]

Teen drivers in Virginia Beach pay an average of $177 per month for liability coverage and $300 per month for full coverage.

But the good news is teen drivers have 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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners$68$123
State Farm$69$123
GEICO$86$153
USAA$91$162
Mercury$96$204
Erie$104$186
Chubb$110$197
Clearcover$118$202
Nationwide$122$216
Midvale Home & Auto$129$213
Elephant$141$251
State Auto$146$254
Safeco$147$238
Allstate$150$266
Direct Auto$150$268
Progressive$151$291
Dairyland$178$446
GAINSCO$186$433
National General$186$361
AssuranceAmerica$194$308
Liberty Mutual$198$321
CSAA$204$322
Travelers$206$367
Bristol West$230$455
The General$252$472
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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Virginia Beach car insurance quotes by credit tier

Insurers can use your credit history 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 $100 for liability-only coverage and $169 per month for full coverage. This is comparable to the averages of $94 and $171, 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.

Other cities in Virginia

Heres how Virginia Beach car insurance costs compare to other Virginia cities.

CityFull CoverageLiability Only
Alexandria$177$108
Arlington$176$91
Charlottesville$137$75
Chesapeake$169$104
Lynchburg$152$83
Norfolk$187$113
Richmond$192$113
Roanoke$156$87
Woodbridge$186$114
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.

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; but State Farm is right behind and has an Insurify Quality Score of 9.3 out of 5, compared to Auto-Owners’ score of 8.5. USAA is also a quality option in Virginia Beach, but its services are only available to members of the military and their families.

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

    Auto-Owners, State Farm, and Mercury are the cheapest liability car insurance companies in Virginia Beach, with rates starting at $40, $41, and $53 per month, respectively.

    But the cheapest company for you depends on your coverage needs and budget. Compare rates from at least three different companies to find the one that offers you the best deal on coverage.

  • How much is car insurance in Virginia Beach?

    The average cost of car insurance in Virginia Beach is $100 per month for liability coverage and $169 per month for full coverage.

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

    Virginia was one of two states (the other being New Hampshire) where you could disregard liability coverage if you prove you have the financial means necessary to cover your liability requirements on your own. But this requirement changed in 2024 and drivers must now purchase minimum coverage.

  • 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.

    For policies renewed or created on or after Jan. 1, 2025, the requirements will be $50,000/$100,000 for bodily injury liability and $25,000 for property damage liability.

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. "Insurance Requirements."
  2. III. "What determines the price of an auto insurance policy?."
  3. IIHS. "Older drivers."
  4. Centers for Disease Prevention and Control. "Older Adult Drivers."
  5. IIHS. "Teenagers."
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.

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