Cheapest Car Insurance in Virginia Beach (2026)

At $37 monthly, Farm Bureau provides Virginia Beach's most affordable minimum coverage, while also leading full coverage rates at $67 per month or $803 annually. These premiums apply to drivers with clean records. Your age and driving history play major roles in determining which provider gives you the lowest premium, so requesting quotes from multiple carriers reveals your best available rate.

Virginia residents often pay $51 monthly for minimum coverage, while Virginia Beach drivers pay $60. Full coverage follows the same trend at $106 versus the state's $92 average. The coastal city's heavy tourist traffic creates more congestion and accidents throughout the year. 

Vehicle theft rates also run higher than other areas across the state. Local flooding risks require additional liability coverage that pushes premiums up further. Comparing quotes from multiple insurers helps drivers find the most competitive rates available.

Read More: The cheapest car insurance in Virginia

The gap between Virginia Beach's youngest and oldest drivers shows how much age matters for insurance costs. Young drivers average $183 monthly across the top five insurers, while adults pay $81 and seniors pay $115. Young drivers pay these high premiums because they lack experience behind the wheel and cause more accidents than other age groups.

Cheapest Virginia Beach car insurance by age:

• Young drivers: Farm Bureau at $136 per month
• Adult drivers: Farm Bureau at $67 per month
• Senior drivers: Travelers at $99 per month

Once drivers establish experience, age matters less for pricing. The modest gap between adult and senior premiums shows insurers treat experienced drivers similarly whether they're 40 or 70 years old.

Young drivers aged 16 to 25 pay Virginia Beach's highest insurance costs because they lack experience and have more accidents than other age groups. Farm Bureau offers the most affordable option at $136 monthly or $1,627 annually for full coverage. 

At an average of $183 monthly compared to $81 for adults, young driver premiums are more than double what experienced drivers pay. Comparing rates saves young Virginia Beach drivers $90 monthly when choosing Farm Bureau over Erie Insurance at $226 monthly. 

Adding a young driver to your family policy costs less than separate coverage, but rates stay high until age 25.

Note: Teen drivers must meet Virginia's licensing requirements and may have additional restrictions. Rates shown are estimates and actual premiums depend on individual circumstances.

Virginia Beach seniors benefit from decades of driving experience and clean records, helping them secure competitive car insurance rates like Travelers' $99 monthly or $1,193 annually for full coverage. While most drivers 65 and older enjoy favorable pricing, some insurers bump rates slightly for those over 70 due to reaction time concerns. 

Across the five cheapest options, Virginia Beach seniors average $115 monthly, just $34 above the $81 adult average, showing insurers view experienced drivers favorably.

By choosing Travelers over Penn National Insurance at $136 monthly, seniors save $37 each month. Additional savings opportunities include defensive driving courses and low-mileage discounts for those driving under 7,500 miles annually.

Virginia Beach's adult drivers between ages 26 and 64 get the most competitive insurance rates, with Farm Bureau leading at $67 monthly or $803 annually for full coverage. This demographic benefits from combining years of driving experience with lower accident rates than both younger and older drivers. 

Across the city's five most affordable insurers, adults average $81 monthly, the lowest of any age group. Adults save $28 monthly choosing Farm Bureau over GEICO's $95 rate, the fifth cheapest option. Maintaining clean driving records and bundling policies creates even more opportunities to cut costs.

Virginia Beach drivers pay much higher premiums after violations, with costs varying widely by infraction type. Farm Bureau delivers the most affordable minimum liability coverage for clean-record drivers at $37 monthly, while Travelers takes the lead for speeding violations at $47 monthly and Farm Bureau returns as the cheapest option for DUI offenders at $46 monthly.

Across the five most affordable insurers, average monthly rates climb from $45 for spotless records to $54 for speeding tickets, $60 for at-fault accidents and $68 for DUIs.
At-fault accidents push premiums higher because you've caused property damage or injuries, proving you're a crash risk to insurers. 

DUIs trigger the largest rate increases since they combine reckless behavior with serious legal trouble, landing you in the highest-risk category and often requiring SR-22 paperwork for license reinstatement.

Monthly car insurance costs in Virginia Beach vary widely by location, with ZIP code 23456 offering the lowest rates at $54 while ZIP code 23455 charges the highest at $121. See your ZIP code's rate in the table below.

For the three most populous areas in Virginia Beach (ZIP codes 23456, 23455 and 23462), minimum coverage rates are $100, $121 and $103 monthly. These differences stem from neighborhood factors like population density, accident frequency, vehicle theft rates and how many uninsured drivers live in each area. 

Use the table filter to locate your ZIP and check your area's average rate.

You'll find competitive rates without sacrificing proper coverage in Virginia Beach with the right approach and knowledge.

Want to find affordable coverage in Virginia Beach? This FAQ offers clear answers about available discounts, state regulations and policy options to help you find coverage that works for your budget.

Virginia Beach drivers pay some of Virginia's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for Virginia Beach's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.