Cheapest and Best Car Insurance Companies in Virginia Beach, VA

Your personal background and your needs will affect which company is the cheapest option for you. American Family is the best option for full coverage, minimum coverage policies and military drivers. Cincinnati Insurance is the most suitable option after a speeding ticket or an at-fault accident and for the best customer service. State Farm is ideal if you have a DUI conviction, while Nationwide is the best option for teen drivers on a family policy.

MoneyGeek found that the following insurance providers offer the cheapest minimum coverage policies in Virginia Beach:

• American Family: $226 per year
• Mercury: $296 per year

Kemper has the most expensive policies, costing an average of $1,179 annually as of October 2022. American Family is also the most affordable minimum coverage insurance provider in Virginia, with policies costing an average of $243 annually.

Buying car insurance in Virginia is optional. If you do buy a minimum coverage policy, it will only include bodily injury, property damage and uninsured motorist coverages. Such a policy will have these limits:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $20,000 property damage liability per accident
• $25,000 uninsured/underinsured motorist coverage per person
• $50,000 uninsured/underinsured motorist coverage per accident
• $20,000 uninsured/underinsured motorist property damage coverage per accident

These limits tell you the maximum amount the insurance company will pay in each category. For example, the insurer will only pay $25,000 for each injured passenger, up to $50,000 per accident. Any additional costs are your responsibility.

Based on MoneyGeek’s analysis, the following companies are the most affordable options for full coverage car insurance in Virginia Beach:

• American Family: $601 per year
• Auto-Owners Insurance: $710 per year

Kemper is the most expensive car insurance company, costing an average of $1,961 annually as of October 2022. You will also find the cheapest car insurance rates in Virginia with American Family at the same cost.

A full coverage policy includes collision and comprehensive insurance.

• Collision Insurance: Pays to repair or replace your vehicle if it’s damaged in an at-fault accident.
• Comprehensive Insurance: Covers the cost to repair or replace your vehicle if it's damaged in a non-accident incident, such as a fallen tree, or if your car is stolen.

We do not recommend opting for a full coverage policy with an older vehicle, as the cost of the policy may exceed your vehicle’s value.

Drivers with traffic violations on their record will find the cheapest rates with the following car insurance companies:

• Speeding ticket: Auto-Owners Insurance ($789 per year)
• At-fault accident: Auto-Owners Insurance ($710 per year)
• DUI: State Farm ($867 per year)

National General is the most expensive car insurance company for drivers with speeding tickets and at-fault accidents, charging $3,202 per year for both. Meanwhile, Cincinnati Insurance offers the most expensive policy for drivers with DUI on their records at $2,838 per year.

A bad driving history can significantly increase your rates, which means the cheapest company for you will still cost more than the cheapest option for a safe driver.

Policy costs tend to increase after traffic violations, with more severe offenses costing more. MoneyGeek’s analysis shows that after a speeding ticket in Virginia Beach, drivers pay an average of $415 more for insurance per year, while drivers pay an average of $699 more per year after a DUI conviction.

Always shop around and compare rates to find the cheapest car insurance for a poor driving record.

The most affordable car insurance companies for teen drivers on a family policy are:

• Nationwide: $1,239 per year for female teens and $1,383 per year for male teens
• State Farm: $1,905 per year for female teens
• Auto-Owners Insurance: $2,408 per year for male teens

Kemper is the most expensive company for teens, with an average cost of $7,013 per year for female teens and $8,693 per year for male teens. Insurers consider male teens high-risk drivers, but the gender difference in policy costs generally disappears in early adulthood.

The most cost-effective way to insure a teen driver is by adding them to a family policy. Our analysis shows that a 16-year-old male driver in Virginia Beach costs an average of $3,313 per year to insure on a family policy. If the same driver buys a separate policy, the average cost increases to $5,585 annually.

You can get the cheapest car insurance for teen drivers by comparing quotes from various insurers and taking advantage of discounts.

The following companies offer the most affordable rates for drivers with a military background in Virginia Beach:

• American Family: $601 per year
• USAA: $666 per year

American Family also offers the cheapest minimum coverage policy at an average of $226 annually. The second-best option is Mercury, charging an average of $296 per year.

Getting an online quote in Virginia Beach, Virginia, can take 15 minutes or longer and requires you to provide personal information. MoneyGeek’s car insurance calculator can help you save time by quickly estimating your car insurance expenses based on just your age, coverage level, vehicle type and driving history.

The best car insurance in Virginia Beach will depend on how much you value factors like service coverage and cost. We found the following insurance providers offer the best car insurance in Virginia Beach based on different criteria:

• Best overall: Cincinnati Insurance (MoneyGeek score of 81 out of 100)
• Best for service: Cincinnati Insurance (MoneyGeek score of 74 out of 100)
• Best cheap: American Family (MoneyGeek score of 83 out of 100)

MoneyGeek scores can vary because various factors are weighted differently in each category.

Cincinnati Insurance is also the best car insurance provider in Virginia. Active-duty personnel or drivers with a military background will find the best rates with USAA car insurance, with a MoneyGeek score of 83 out of 100.

MoneyGeek found that the following companies offer the best car insurance in Virginia Beach:

• Cincinnati Insurance: MoneyGeek score of 81 out of 100 ($920 per year)
• American Family: MoneyGeek score of 80 out of 100 ($601 per year)

Cincinnati Insurance scored the highest for customer satisfaction and third highest for claims management. With a MoneyGeek score of 83 out of 100, USAA car insurance is the best option if you are an active-duty soldier or a veteran.

Without considering cost, the following companies stand out for providing the best customer service in Virginia Beach:

• Cincinnati Insurance: MoneyGeek score of 74 out of 100 ($920 per year)
• Erie: MoneyGeek score of 70 out of 100 ($828 per year)

Cincinnati Insurance ranked the highest for customer satisfaction and fourth highest for available coverages. This insurance company isn’t the cheapest in Virginia Beach, so you will pay more for better customer service.

MoneyGeek found the following insurance companies offer the cheapest minimum coverage policies in Virginia Beach, based on affordability and service quality:

• American Family: MoneyGeek score of 83 out of 100 ($226 per year)
• Cincinnati Insurance: MoneyGeek score of 81 out of 100 ($412 per year)

Minimum coverage policies have the lowest cost but may not provide sufficient liability protection. For example, such policies won’t cover damage to your vehicle in case of an accident.

The average cost of car insurance in Virginia Beach is $900 per year as of October 2022. This average cost is $40 less than Virginia’s average car insurance cost and $365 less than the national average. Your location significantly affects your policy cost.

These average costs are for a full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.