In Virginia Beach, Virginia, American Family offers the cheapest minimum coverage, while the least expensive full company for full coverage is Virginia Farm Bureau. Nationwide is the most affordable for families with teens, while Erie is the best overall. However, if customer service is paramount, Cincinnati Insurance outshines, suggesting the "best" insurer can depend on your unique preferences and requirements.
Cheapest and Best Car Insurance in Virginia Beach, VA (August 2024)
American Family offers Virginia Beach, Virginia's cheapest car insurance at $315 annually. Erie is also the best for service and affordability, with a MoneyGeek score of 88 (out of 100).
Mark Fitzpatrick
Head of Insurance, MoneyGeek
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including [CNBC](https://www.cnbc.com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do.html), [NBC News](https://www.nbcnews.com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable.com/article/tesla-insurance-rates). Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
Mark Friedlander
Director, Corporate Communications, Insurance Information Institute
Mark Friedlander has over 30 years of experience in financial services and insurance. He is the Director of Corporate Communications at the [Insurance Information Institute (III)](https://www.iii.org/) — a New York-based nonprofit research and education organization focused on providing consumers with a better understanding of insurance — serving as a national insurance industry media spokesperson for broadcast, digital and print outlets. Before joining the III, Friedlander held senior communications roles at Main Street America Insurance, Arthur Andersen LLP and Prudential Financial. His recent contributions and appearances include The Washington Post, The New York Times, Bloomberg, CNN, Fox Weather, the Associated Press, Reuters, National Public Radio (NPR), NBC News, ABC News, CNBC and many more national and regional news outlets. Friedlander holds a bachelor's degree in journalism and public relations from the Ohio State University.
Nica Gonzales-Villaraza
Senior Content Editor
Nica Gonzales is a senior editor with over 10 years of experience in the legal and financial service industries, with expertise in brand identity, digital editorial, web accessibility and paid media. Gonzales graduated from the University of the Philippines with a bachelor’s degree in speech communication.
Mark Fitzpatrick
Head of Insurance, MoneyGeek
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including [CNBC](https://www.cnbc.com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do.html), [NBC News](https://www.nbcnews.com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable.com/article/tesla-insurance-rates). Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
Mark Friedlander
Director, Corporate Communications, Insurance Information Institute
Mark Friedlander has over 30 years of experience in financial services and insurance. He is the Director of Corporate Communications at the [Insurance Information Institute (III)](https://www.iii.org/) — a New York-based nonprofit research and education organization focused on providing consumers with a better understanding of insurance — serving as a national insurance industry media spokesperson for broadcast, digital and print outlets. Before joining the III, Friedlander held senior communications roles at Main Street America Insurance, Arthur Andersen LLP and Prudential Financial. His recent contributions and appearances include The Washington Post, The New York Times, Bloomberg, CNN, Fox Weather, the Associated Press, Reuters, National Public Radio (NPR), NBC News, ABC News, CNBC and many more national and regional news outlets. Friedlander holds a bachelor's degree in journalism and public relations from the Ohio State University.
Nica Gonzales-Villaraza
Senior Content Editor
Nica Gonzales is a senior editor with over 10 years of experience in the legal and financial service industries, with expertise in brand identity, digital editorial, web accessibility and paid media. Gonzales graduated from the University of the Philippines with a bachelor’s degree in speech communication.
Updated: October 3, 2024
Advertising & Editorial Disclosure
Cheapest and Best Car Insurance in Virginia Beach
Why Trust MoneyGeek? We analyzed 68,805 quotes from 15 companies in Virginia, including the city of Hampton. We used six sources and original research to rate the cheapest companies and develop a scoring system for Hampton insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.
These rates reflect the cheapest car insurance quotes in Virginia Beach, VA, as of August 2024.
Cheapest Minimum Coverage Car Insurance in Virginia Beach
MoneyGeek found that these companies are the best options for those seeking the cheapest car insurance in Virginia Beach:
- American Family: $315 per year
- Virginia Farm Bureau: $399 per year
Kemper has the most expensive minimum coverage policy at $1,179 annually, with a difference of $864 from the cheapest option. This substantial price variance highlights the potential savings for Virginia Beach drivers who invest time evaluating their car insurance choices.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
American Family | Annual Premium$315 | Monthly Premium$26 |
Virginia Farm Bureau | Annual Premium$399 | Monthly Premium$33 |
Auto-Owners Insurance Co | Annual Premium$458 | Monthly Premium$38 |
Erie | Annual Premium$476 | Monthly Premium$40 |
Mercury | Annual Premium$476 | Monthly Premium$40 |
Cincinnati Insurance | Annual Premium$485 | Monthly Premium$40 |
Travelers | Annual Premium$485 | Monthly Premium$40 |
GEICO | Annual Premium$567 | Monthly Premium$47 |
Progressive | Annual Premium$588 | Monthly Premium$49 |
State Farm | Annual Premium$618 | Monthly Premium$52 |
Nationwide | Annual Premium$756 | Monthly Premium$63 |
National General | Annual Premium$781 | Monthly Premium$65 |
Allstate | Annual Premium$893 | Monthly Premium$74 |
Kemper | Annual Premium$1,179 | Monthly Premium$98 |
State Minimum Liability Requirements
For all cities in Virginia, including Virginia Beach, drivers must adhere to the state's minimum required car insurance coverage. Here's what the law mandates:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $20,000 for property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $20,000 uninsured/underinsured property damage coverage
Imagine you're covered with the minimum policy: for a bodily injury claim, your insurer would pay up to $25,000 per person injured in an accident, but no more than $50,000 in total for all injuries per accident. Should costs exceed these amounts, any excess would, unfortunately, be your responsibility to cover out-of-pocket. Keep in mind that these limits set the stage for basic protection.
Cheapest Full Coverage Car Insurance in Virginia Beach
These companies offer the cheapest full coverage car insurance in Virginia Beach:
- Virginia Farm Bureau: $834 per year
- Auto-Owners Insurance Co: $839 per year
Kemper offers the most expensive policy at $1,961 annually — a significant $1,127 more than Virginia Farm Bureau. This disparity highlights the importance of comparing full coverage car insurance quotes, as full coverage typically costs more due to the inclusion of comprehensive and collision insurance in addition to liability coverage.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Virginia Farm Bureau | Annual Premium$834 | Monthly Premium$69 |
Auto-Owners Insurance Co | Annual Premium$839 | Monthly Premium$70 |
Progressive | Annual Premium$850 | Monthly Premium$71 |
American Family | Annual Premium$876 | Monthly Premium$73 |
Erie | Annual Premium$928 | Monthly Premium$77 |
Travelers | Annual Premium$947 | Monthly Premium$79 |
Nationwide | Annual Premium$951 | Monthly Premium$79 |
Cincinnati Insurance | Annual Premium$1,041 | Monthly Premium$87 |
GEICO | Annual Premium$1,060 | Monthly Premium$88 |
State Farm | Annual Premium$1,221 | Monthly Premium$102 |
Mercury | Annual Premium$1,222 | Monthly Premium$102 |
Allstate | Annual Premium$1,497 | Monthly Premium$125 |
National General | Annual Premium$1,564 | Monthly Premium$130 |
Kemper | Annual Premium$1,961 | Monthly Premium$163 |
Do You Need Full Coverage in Virginia Beach?
A full coverage policy includes coverage for damage to your own vehicle in the form of comprehensive and collision coverages. It usually also includes increased liability limits.
Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.
Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.
If you have a new vehicle, opt for full coverage for more robust financial protection. If you're leasing or have a car loan, you are typically required to carry full coverage insurance. Owners of older vehicles may find the extra premium for full coverage less justifiable due to the car's decreased value. Striking the right balance is key when deciding how much car insurance you need; higher coverage leads to increased premiums, but with lower coverage, you run the risk of being inadequately insured.
Cheapest Car Insurance in Virginia Beach After a Driving Offense
MoneyGeek found that Auto-Owners Insurance Co is the cheapest option in Virginia Beach for drivers with a poor driving record looking for full coverage auto insurance. The most affordable companies for each type of incident are:
- Speeding Ticket: Auto-Owners Insurance Co ($867 per year)
- At-fault accident: Auto-Owners Insurance Co ($780 per year)
- DUI: Virginia Farm Bureau ($1,046 per year)
Conversely, National General tends to have the most expensive rates for these offenses, with the difference in annual rates between the cheapest company after a speeding ticket (Auto-Owners Insurance Co at $867) and the cheapest after a DUI (Virginia Farm Bureau at $1,046) being $179. This indicates that the severity of the offense can substantially influence car insurance rates.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
- Accident
- DUI
- Speeding
Auto-Owners Insurance Co | Annual Premium$867 | Monthly Premium$72 |
Erie | Annual Premium$1,078 | Monthly Premium$90 |
Progressive | Annual Premium$1,150 | Monthly Premium$96 |
Nationwide | Annual Premium$1,193 | Monthly Premium$99 |
Cincinnati Insurance | Annual Premium$1,212 | Monthly Premium$101 |
Virginia Farm Bureau | Annual Premium$1,248 | Monthly Premium$104 |
American Family | Annual Premium$1,270 | Monthly Premium$106 |
Travelers | Annual Premium$1,338 | Monthly Premium$111 |
State Farm | Annual Premium$1,367 | Monthly Premium$114 |
GEICO | Annual Premium$1,370 | Monthly Premium$114 |
Mercury | Annual Premium$1,774 | Monthly Premium$148 |
Allstate | Annual Premium$1,973 | Monthly Premium$164 |
Kemper | Annual Premium$2,494 | Monthly Premium$208 |
National General | Annual Premium$3,202 | Monthly Premium$267 |
In Virginia Beach, as in many other cities, insurance premiums typically climb in response to more serious driving violations due to the increased risk insurers must take on. For instance, drivers with a DUI can expect to pay an average annual rate of around $2,645, which is significantly higher than the $2,136 rate for those with a speeding ticket. This stark difference underscores the importance for individuals with driving offenses to diligently compare insurance rates, as doing so could lead to significant savings.
Cheapest Car Insurance in Virginia Beach for Teens and Their Families
MoneyGeek found that Nationwide is the cheapest option in Virginia Beach, offering the cheapest car insurance for teens.
- 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 and $2,414 per year for male teens
These rates signify premiums for policies that include a combination of two parents and a teenage driver. Kemper presents the most costly teen family policy, with an annual rate of $7,013 for female teens. The stark contrast of $5,774 between the most economical and the most expensive offerings underscores the significance of comparison shopping, particularly with high-risk teenage drivers on a policy.
- 16
- 17
- 18
- 19
- 20
- 21
- 22
- 23
- 24
- 25
- Female
- Male
Nationwide | Family Plan Annual Premium$1,239 | Individual Plan Monthly Premium$2,546 |
State Farm | Family Plan Annual Premium$1,905 | Individual Plan Monthly Premium$2,617 |
Travelers | Family Plan Annual Premium$2,020 | Individual Plan Monthly Premium$3,965 |
Auto-Owners Insurance Co | Family Plan Annual Premium$2,080 | Individual Plan Monthly Premium$2,051 |
GEICO | Family Plan Annual Premium$2,718 | Individual Plan Monthly Premium$5,204 |
Allstate | Family Plan Annual Premium$2,751 | Individual Plan Monthly Premium$3,869 |
Progressive | Family Plan Annual Premium$2,823 | Individual Plan Monthly Premium$6,761 |
Kemper | Family Plan Annual Premium$7,013 | Individual Plan Monthly Premium$10,647 |
In Virginia Beach, young drivers face staggeringly high auto insurance premiums when purchasing an individual policy, with an average annual cost of $5,551. In stark contrast, teens added to a family plan see a significant reduction, with premiums averaging $3,313 annually. This differential exists because insurers view teens as high-risk drivers, prone to accidents, and less experienced behind the wheel.
Cheapest Car Insurance in Virginia Beach for Military Drivers
MoneyGeek found that Virginia Farm Bureau is the cheapest option for cheapest car insurance for those with military backgrounds in Virginia Beach.
- Virginia Farm Bureau: $834 per year
- Auto-Owners Insurance Co: $839 per year
While USAA. is not at the top of the list with an annual premium of $897, it is renowned for its exceptional service catering to active-duty military members.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Virginia Farm Bureau | Annual Premium$834 | Monthly Premium$69 |
Auto-Owners Insurance Co | Annual Premium$839 | Monthly Premium$70 |
Progressive | Annual Premium$850 | Monthly Premium$71 |
American Family | Annual Premium$876 | Monthly Premium$73 |
USAA | Annual Premium$897 | Monthly Premium$75 |
Erie | Annual Premium$928 | Monthly Premium$77 |
Travelers | Annual Premium$947 | Monthly Premium$79 |
Nationwide | Annual Premium$951 | Monthly Premium$79 |
Cincinnati Insurance | Annual Premium$1,041 | Monthly Premium$87 |
GEICO | Annual Premium$1,060 | Monthly Premium$88 |
State Farm | Annual Premium$1,221 | Monthly Premium$102 |
Mercury | Annual Premium$1,222 | Monthly Premium$102 |
Allstate | Annual Premium$1,497 | Monthly Premium$125 |
National General | Annual Premium$1,564 | Monthly Premium$130 |
Kemper | Annual Premium$1,961 | Monthly Premium$163 |
How to Compare Cheap Virginia Beach Car Insurance Quotes Online
Saving on car insurance in Virginia Beach involves diligent rate comparison, which traditionally could consume upwards of 15 minutes per company.
MoneyGeek's car insurance calculator streamlines this task. By simply inputting age, driving history, credit score, desired coverage level and additional pertinent details, individuals can promptly receive tailored rate estimates, making it possible to achieve cost efficiency with far less time investment.
Car Insurance Calculator
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Oct 14, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Best Car Insurance in Virginia Beach: Overview
Choosing the best auto insurance for your needs can depend on a variety of factors, including the importance you place on service quality, cost, coverage options and other personal considerations. MoneyGeek has compiled research on the most commendable car insurance providers in Virginia Beach, using distinct scoring systems to highlight top performers in different categories, with the following standouts:
- Best overall: Erie (MoneyGeek score 88 out of 100)
- Best for service: Cincinnati Insurance (MoneyGeek score 86 out of 100)
- Best cheap: American Family (MoneyGeek score 87 out of 100)
If you prioritize overall value, Erie stands out as the top choice, excelling in both service and affordability. For those seeking premier customer experience, Cincinnati Insurance emerges as the leader. Alternatively, American Family is a great choice for individuals focused on keeping costs low without significantly compromising on service.
Overall Best Car Insurance in Virginia Beach
MoneyGeek found that Erie offers the best car insurance in Virginia Beach, ensuring drivers receive top-notch coverage and service.
- Erie: MoneyGeek score of 88 out of 100 ($928 per year)
- Cincinnati Insurance: MoneyGeek score of 87 out of 100 ($1,041 per year)
Standing out with the highest MoneyGeek score, Erie shines in the realms of customer satisfaction and affordability. The score is indicative of a full-coverage policy that balances quality service and financial ease, making Erie a preferred choice for comprehensive protection without compromising on cost or customer experience.
Erie Insurance leads with exceptional claims (20 out of 20) and satisfaction (30 out of 35) scores, marking it a top-tier option for comprehensive car insurance. The company ticks boxes for common coverage, offering both rental car and/or travel reimbursement and roadside assistance. Additionally, it provides reasonably common coverages, like new car replacement and accident forgiveness, ensuring more peace of mind for drivers.
For those seeking extra protection, Erie offers rare Better Car Replacement, known as Auto Security. This allows for an upgrade if your new car is totaled, providing significant value following an unexpected loss. Glass Deductible Modification waives the comprehensive coverage deductible if your windshield needs repair — a small but practical benefit. Furthermore, Personal Property Insurance covers damages to personal items in your vehicle, which can be a lifesaver in case of theft or accidents.
Ranks first for claims satisfaction
Does not offer rental car and/or travel reimbursement or gap insurance
MoneyGeek ranks Virginia Beach car insurance with a focus on customer satisfaction and cost-effectiveness, considering claims service, coverage options and financial health.
Best Car Insurance in Virginia Beach for Customer Service
MoneyGeek found that Cincinnati Insurance offers the best car insurance for customer service in Virginia Beach. This is based on comprehensive assessments of general satisfaction, claims handling, and available coverages, with rates not being the primary focus of evaluation.
- Cincinnati Insurance: MoneyGeek score of 86 out of 100 ($1,041 per year)
- Erie: MoneyGeek score of 84 out of 100 ($928 per year)
Cincinnati Insurance stands out particularly due to its high satisfaction and coverage scores, which are the biggest contributors to its overall superior MoneyGeek score. These factors reflect a positive customer experience and a broad spectrum of insurance offerings.
Cincinnati Insurance boasts stellar scores in customer satisfaction (45 out of 45), claims (22 out of 30) and coverage (16 out of 20), demonstrating its commitment to quality service and comprehensive coverage options.
It offers several valuable coverages for drivers, including glass deductible modification, which waives the deductible for glass repair — beneficial for those unexpected rock chips or cracks. Antique/Classic car insurance is another rare coverage, catering to owners who cherish vintage vehicles. The safety restraint benefit is also notable, as it doubles the coverage amount for medical-related expenses when safety restraints are used.
And while the company provides common coverages, such as rental car and/or travel reimbursement and roadside assistance, it lacks new car replacement, which is considered a reasonably common coverage. Still, Cincinnati Insurance’s offerings and performance metrics position it as a great option for customers.
Ranks second for general customer satisfaction
Ranks second for key coverages
Offers rare coverages, like glass deductible modification and lock replacement
Does not offer original equipment manufacturer (OEM) coverage
MoneyGeek prioritizes customer satisfaction and claims processing in rating Virginia Beach car insurers, also considering coverage options and financial strength.
Best Cheap Car Insurance Companies in Virginia Beach
MoneyGeek found that American Family is the best cheap car insurance option in Virginia Beach for drivers looking for a balance between affordability, claims handling and overall satisfaction.
- American Family: MoneyGeek score of 87 out of 100 ($315 per year)
- Erie: MoneyGeek score of 86 out of 100 ($476 per year)
American Family distinguishes itself by securing the highest MoneyGeek score, attributed largely to its exceptional affordability and high satisfaction ratings. The score emphasizes the cost-efficiency of their minimum coverage policy, making it a standout choice for budget-conscious motorists in Virginia Beach.
American Family excels due to its perfect affordability score, a key factor in its elevated MoneyGeek score. With an average annual premium of just $315, customers enjoy exceptional affordability, paying minimally for minimum coverage. Among the reasonably common discounts, the airbag discount rewards safety-conscious drivers, while the reasonably rare Automatic Payment discount offers savings for hassle-free transactions.
American Family offers a breadth of discounts, including all of the most common ones: bundling, safe driving, and multiple car discounts.
Affordability remains American Family's strong suit, with a perfect 40 (out of 40) score. Complemented by high ratings in satisfaction, 23 (out of 25); claims, 12 (out of 20); and coverage, 10 (out of 10), these factors collectively contribute to its impressive MoneyGeek score and highlight the insurer's commitment to providing comprehensive, cost-effective insurance solutions.
Offers common discounts such as bundling and safe driving
Ranks first for affordability with an average annual premium of $315 for minimum coverage
Ranks 4th in non-claims customer satisfaction .
MoneyGeek's Virginia Beach car insurance ratings prioritize cost-effective minimum coverage and customer satisfaction, with secondary emphasis on claims, offerings and company stability.
Average Cost of Car Insurance in Virginia Beach
In Virginia Beach, the average car insurance cost is around $1,051 per year. When compared to the overall average car insurance cost in Virginia, which is approximately $1,086 annually, Virginia Beach residents pay slightly less. Virginia's state average is significantly lower than the national average cost of car insurance, showcasing a difference of $695, with the state average at $1,086 compared to the national average of $1,781.
Car insurance premiums are influenced by a range of factors, with the location being a significant determinant due to its impact on variables like accident rates, thefts, and vandalism. Virginia Beach, with its annual premium of $900, represents the cheapest city in the study for car insurance within the state. In contrast, Norfolk stands as the most expensive, with a figure of $1,036 indicating a notable difference of $136 between the two cities. This contrast illustrates how urban areas with higher traffic density tend to have higher insurance rates, whereas less populated, non-city regions may find even lower rates. MoneyGeek's analysis included only these two cities, emphasizing the variability in car insurance costs across different urban centers.
Alexandria | Annual Premium$1,161 |
Arlington | Annual Premium$1,106 |
Chesapeake | Annual Premium$1,062 |
Hampton | Annual Premium$1,075 |
Newport News | Annual Premium$1,048 |
Norfolk | Annual Premium$1,203 |
Richmond | Annual Premium$1,141 |
Virginia Beach | Annual Premium$1,051 |
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.