Cheapest and Best Car Insurance Companies in Virginia Beach, VA


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Updated: May 20, 2024

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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.

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2024

Cheapest and Best Car Insurance in Virginia Beach, VA

Why Trust MoneyGeek? For this study, MoneyGeek gathered Virginia Beach car insurance rates and analyzed data and information from the Virginia Department of Insurance and Quadrant Information Services. We ranked insurers based on our proprietary scoring system.

68,805Quotes Analyzed
 
15Companies Compared

Cheapest Minimum Liability Car Insurance in Virginia Beach

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
American FamilyAnnual Premium$226Monthly Premium$19
MercuryAnnual Premium$296Monthly Premium$25
State FarmAnnual Premium$365Monthly Premium$30
Auto-Owners Insurance CoAnnual Premium$374Monthly Premium$31
Virginia Farm BureauAnnual Premium$377Monthly Premium$31
Cincinnati InsuranceAnnual Premium$412Monthly Premium$34
ErieAnnual Premium$439Monthly Premium$37
NationwideAnnual Premium$443Monthly Premium$37

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.

Cheapest Full Coverage Car Insurance in Virginia Beach

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
American FamilyAnnual Premium$601Monthly Premium$50
Auto-Owners Insurance CoAnnual Premium$710Monthly Premium$59
NationwideAnnual Premium$757Monthly Premium$63
Virginia Farm BureauAnnual Premium$758Monthly Premium$63
State FarmAnnual Premium$787Monthly Premium$66
MercuryAnnual Premium$815Monthly Premium$68
ErieAnnual Premium$828Monthly Premium$69
TravelersAnnual Premium$892Monthly Premium$74

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.

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Cheapest Car Insurance in Virginia Beach After a Driving Offense

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
Auto-Owners Insurance CoAnnual Premium$789Monthly Premium$66
State FarmAnnual Premium$867Monthly Premium$72
American FamilyAnnual Premium$877Monthly Premium$73
NationwideAnnual Premium$933Monthly Premium$78
ErieAnnual Premium$951Monthly Premium$79
Cincinnati InsuranceAnnual Premium$1,073Monthly Premium$89
Virginia Farm BureauAnnual Premium$1,173Monthly Premium$98
MercuryAnnual Premium$1,231Monthly Premium$103

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.

Cheapest Car Insurance in Virginia Beach for Teens and Their Families

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$1,239Individual Plan Monthly Premium$3,960
State FarmFamily Plan Annual Premium$1,905Individual Plan Monthly Premium$4,271
TravelersFamily Plan Annual Premium$2,020Individual Plan Monthly Premium$6,484
Auto-Owners Insurance CoFamily Plan Annual Premium$2,080Individual Plan Monthly Premium$5,812
GEICOFamily Plan Annual Premium$2,718Individual Plan Monthly Premium$9,243
AllstateFamily Plan Annual Premium$2,751Individual Plan Monthly Premium$6,815
ProgressiveFamily Plan Annual Premium$2,823Individual Plan Monthly Premium$10,718
KemperFamily Plan Annual Premium$7,013Individual Plan Monthly Premium$14,147

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.

Cheapest Car Insurance in Virginia Beach for Military Drivers

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
American FamilyAnnual Premium$601Monthly Premium$50
USAAAnnual Premium$666Monthly Premium$56
Auto-Owners Insurance CoAnnual Premium$710Monthly Premium$59
NationwideAnnual Premium$757Monthly Premium$63
Virginia Farm BureauAnnual Premium$758Monthly Premium$63
State FarmAnnual Premium$787Monthly Premium$66
MercuryAnnual Premium$815Monthly Premium$68
ErieAnnual Premium$828Monthly Premium$69

How to Compare Cheap Virginia Beach Car Insurance Quotes Online

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.

Car Insurance Calculator

MoneyGeeks'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.

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Rates updated:

Jul 12, 2024

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Best Car Insurance in Virginia Beach: Summary

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.

Best Overall Car Insurance in Virginia Beach

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.

How was this MoneyGeek score calculated?

Cincinnati Insurance

pros

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Ranked #1 for customer satisfaction out of 13 competitors

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Ranked #3 for claims management

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Offers glass deductible modification, lock replacement and new car replacement coverage

cons

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Doesn’t provide accident forgiveness coverage

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Average scores for affordability

COMPANY HIGHLIGHTS

Cincinnati Insurance offers the best customer service, ranks high for claims management and provides many rare coverages. The company enables you to add glass deductible modification coverage to your policy, which waives your deductible if you damage the glass in a covered loss.

The insurer also offers lock replacement coverage that pays you up to $1,500 to change your locks if you lose your keys or someone steals them, and you notify the insurer within 72 hours of discovering the loss. Besides these coverages, you can also get new car replacement coverage, which pays for a new car of the same make and model if your vehicle is damaged due to an at-fault or non-accident incident.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

Best Car Insurance in Virginia Beach for Customer Service

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.

How was this MoneyGeek score calculated?

Cincinnati Insurance

pros

checkmark

Scored the highest for customer satisfaction

checkmark

Ranked the fourth highest for available coverages

checkmark

Offers air bag reinstallation, rental car or travel reimbursement and gap insurance

cons

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Doesn’t offer accident forgiveness coverage

COMPANY HIGHLIGHTS

Cincinnati Insurance stands out from its competitors by providing various rare coverages and the best customer service in Virginia Beach.

The company's coverages include airbag reinstallation, gap insurance and rental car or travel reimbursement coverage. If your airbag accidentally gets deployed, the airbag reinstallation coverage pays to replace it without charging a deductible.

You can add gap insurance to your policy, which covers the difference between your unpaid auto loan and the value of your vehicle in case of a covered loss. The insurer also offers rental car or travel reimbursement, a standard coverage that pays for your transportation expenses in case of an accident with certain limits.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

Best Cheap Car Insurance in Virginia Beach

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.

How was this MoneyGeek score calculated?

American Family Insurance

pros

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An affordable minimum coverage policy at an average cost of $226 annually

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Discounts include safe driving, new customer and bundling

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Ranked the highest for available coverages and affordability

cons

close

Average scores for customer satisfaction

COMPANY HIGHLIGHTS

American Family offers the most affordable minimum coverage policy in Virginia Beach and ranks the highest for available coverages, allowing policyholders to add various common and rare coverages to their policies.

You can save on your policy through standard discounts, including safe driving and bundling. The safe driving discount is for drivers with no violations on their records. You may also qualify for a discount on bundling your home and auto insurance policies. Depending on your location, you might also be eligible for a discount with American Family if you switch to its policies from one of its competitors.

Read MoneyGeek's American Family Insurance Auto Insurance Review

Average Cost of Car Insurance in Virginia Beach

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick 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.