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Cheap Auto Insurance Quotes in Virginia Beach, VA (January 2022)
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Last Updated: January 2022
Virginia is for (savings) lovers.
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.
Car Insurance in Virginia Beach, VA
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.
$58
$65
$66
$155
$224
AllstateState FarmProgressiveAmerican FamilyThe General
See More: Cheap Car Insurance Virginia
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Cheapest Car Insurance in Virginia Beach, VA
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Virginia Beach | |
|---|---|
 Allstate | $58/mo |
 State Farm | $65/mo |
Progressive | $66/mo |
 American Family | $155/mo |
 The General | $224/mo |
Best Car Insurance in Virginia Beach, VA
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Virginia Beach. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
 Nationwide | $160/mo | |
American Family | $172/mo | |
 Safeco | $130/mo | |
 Liberty Mutual | $198/mo | |
 Mercury | $208/mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| Norfolk | $134/mo |
| Chesapeake | $150/mo |
| Richmond | $124/mo |
| Arlington | $125/mo |
| Virginia Beach | $114/mo |
| Virginia | $129/mo |
$129
$134
$150
$124
$125
$114
VirginiaNorfolkChesapeakeRichmondArlingtonVirginia Beach
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Virginia Beach, VA Driving Facts
Minimum Car Insurance Requirements in VA
In Virginia, motorists are required to purchase liability insurance in the following minimum coverage limits:
- $25,000 for bodily injury or death of one person
- $50,000 for bodily injury or death of two+ people
- $20,000 for property damage liability
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.
Virginia Beach Car Insurance Rates by Driver Age
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 |
Virginia Beach Car Insurance Rates by Driving and Accident History
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.
See More: High-risk Car Insurance Virginia
See More: DUI Car Insurance Virginia
Virginia Beach Car Insurance Rates by Credit Tier
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 |
See More: Bad Credit Car Insurance Virginia
Virginia Beach DMV Information
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.
Public Transportation in Virginia Beach
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.
Find local Virginia Beach agents
Armor Ins
208 Golden Oak Ct #140, Virginia Beach, VA 23452
Core Assurance Partners Inc
300 32nd St #400, Virginia Beach, VA 23451-2968
Prosper Ins Grp
2929 Sabre St #200, Virginia Beach, VA 23452
Towne Insurance Agency LLC - Suffolk
301 Bendix Rd Ste 300, Virginia Beach , VA 23452-1385
Marsh & McLennan Agcy LLC- VA Beach 3
222 Central Park Ave #1340, Virginia Beach, VA
Towne Ins/TFA Benefits
397 Little Neck Rd, Virginia Beach, VA 23452
Toby Leffel Ins Agcy
921 First Colonial Rd Ste 1703, Virginia Beach, VA 23454
Morgan Marrow Co - VIR
484 Viking Dr #140, Virginia Beach, VA 23452-7321
Beskin-Divers Ins Grp Inc
300 Southport Cir, Virginia Beach, VA 23452-1179
Choice Ins Agcy
4664 South Blvd, Virginia Beach, VA 23452-1058
Insurify Insights: How Virginia Beach Drivers Measure Up
Virginia Beach, VA
Suspended Licenses Rank
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.
Accidents in Virginia Beach
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.
- Rank within state: #7
- Percent of drivers in Virginia Beach with an accident: 13.33%
- Drivers in Virginia Beach, VA with an accident in their driving history paid on average 37.65% more than drivers with a clean record
Speeding in Virginia Beach
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.
- Rank within state: #26
- Percent of drivers in Virginia Beach with a speeding ticket: 14.18%
- Drivers in Virginia Beach, VA with a speeding ticket in their driving history paid on average 34.71% more than drivers with a clean record
DUI/DWIs in Virginia Beach
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Virginia Beach drivers rank 1 in the number of DUI’s per driver across all cities in Virginia.
- Rank within state: #1
- Percent of drivers in Virginia Beach with a DUI: 2.5%
- Drivers in Virginia Beach, VA with a DUI in their driving history paid on average 10.59% more than drivers with a clean record
Most Popular Vehicle in Virginia Beach
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.
Rude Drivers in Virginia Beach
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.
- Rank within state: #9
- Percent of drivers in Virginia Beach with a reckless driving violation: 3.98%
- Drivers in Virginia Beach, VA with a reckless driving violation in their driving history paid on average 34.71% more than drivers with a clean record.
Safest Drivers in Virginia Beach
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.
- Rank within state: #23
- Percent of drivers in Virginia Beach with clean record: 73.48%
Failure to Yield the Right of Way in Virginia Beach
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.
- Rank within state: #14
- Percent of drivers in Virginia Beach with a failure to yield violation: 0.94%
- Drivers in Virginia Beach, VA with a failure to yield violation in their driving history paid on average 2300% more than drivers with a clean record
Reckless Drivers in Virginia Beach
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.
- Rank within state: #8
- Percent of drivers in Virginia Beach with a reckless driving offense: 0.6%
Hybrid/Electric Vehicle Ownership in Virginia Beach
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.
- Rank within state: #23
- Percent of drivers in Virginia Beach with a hybrid/electric vehicle: 1.16%
How to get the best and cheapest car insurance in Virginia Beach
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.
FAQs - Virginia Beach, VA Car Insurance
Are there any unique driving laws in Virginia Beach?
For visitors, some Virginia Beach driving laws may seem quite strange. A designated “no cruising zone” on Atlantic Avenue forbids vehicles from passing the street more than once in an allotted amount of time. This diminishes vehicle congestion along this touristy strip.
How do I insure my classic car in Virginia Beach?
Classic cars, antiques, collectibles—there are several designations given to vehicles that are more than a transportation machine. And auto enthusiasts need special considerations for their unique cars. If you have a classic car, it’s best to go with a company that specializes in vintage and collectible cars. Because these cars require different care and undergo radically different use than a practical vehicle, a regular policy may leave gaps in coverage. This is especially true for comprehensive coverage of vehicles with special repairs, restoration, or upgrades. These can change the value of your car drastically, so it is essential to reach an agreement with your insurer about your car’s value.
What are the penalties of driving uninsured in Virginia Beach?
Driving uninsured puts yourself and the drivers and passengers in the cars around you in great danger. You should never drive uninsured. Penalties for driving uninsured are severe and may include driving privilege and vehicle registration suspensions, revocation of license plates, statutory fees, reinstatement fees, and SR-22 requirements.
Which car insurance company offers the cheapest rates in Virginia Beach?
The best way to get the cheapest car insurance in Virginia Beach and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high-risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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