Cheap Auto Insurance Quotes in Virginia Beach, VA (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.

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.  

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.

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.

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.

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.

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.

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.

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. 

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.

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. 

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:

• Cheapest Car Insurance Quotes in Alexandria, VA

• Cheapest Car Insurance Quotes in Charlottesville, VA

• Cheapest Car Insurance Quotes in Chesapeake, VA

• Cheapest Car Insurance Quotes in Norfolk, VA

• Cheapest Car Insurance Quotes in Richmond, VA

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]

Virginia Beach car insurance FAQs

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