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Average Cost of Car Insurance in Virginia Beach

Virginia Beach$777
Virginia$790
US$1,424

If you are living in Virginia Beach, you can take advantage of affordable car insurance rates. The average annual auto insurance rate in the city is $777 a year, which is 1.7% more affordable than the state's average premium of $790. The city's auto insurance average is 45.5% cheaper than the $1,424 average auto insurance in the United States.

The Best Cheap Car Insurance Companies in Virginia Beach

Among the car insurance companies in Virginia Beach, Progressive offers the most affordable rate at an average of $476 per year. That is $301 cheaper than the city average and 146.6% cheaper than the most expensive premium in the city, $1,174 from MetLife.

Company
Amountper year
1. Progressive
In 2020, Progressive ranked #1 in Virginia Beach for the cheapest car insurance for the average driver.
$476
2. USAA
In 2020, USAA ranked #2 in Virginia Beach for the cheapest car insurance for the average driver.
$653
3. GEICO
In 2020, GEICO ranked #3 in Virginia Beach for the cheapest car insurance for the average driver.
$662
4. Erie
In 2020, Erie ranked #4 in Virginia Beach for the cheapest car insurance for the average driver.
$668
5. Nationwide
In 2020, Nationwide ranked #5 in Virginia Beach for the cheapest car insurance for the average driver.
$719
6. State Farm
In 2020, State Farm ranked #6 in Virginia Beach for the cheapest car insurance for the average driver.
$724
7. Mercury
In 2020, Mercury ranked #7 in Virginia Beach for the cheapest car insurance for the average driver.
$826
8. Travelers
In 2020, Travelers ranked #8 in Virginia Beach for the cheapest car insurance for the average driver.
$838
9. Allstate
In 2020, Allstate ranked #9 in Virginia Beach for the cheapest car insurance for the average driver.
$906
10. MetLife
In 2020, MetLife ranked #10 in Virginia Beach for the cheapest car insurance for the average driver.
$1,174

Personalized Quotes to Get You the Cheapest Car Insurance in Virginia Beach

Several factors come into play when auto insurance companies determine how high or low your annual car insurance in Virginia Beach is. These factors include your marital status, age, gender, miles driven, credit history and the model and make of the vehicle you drive. These factors are unique to you, so it is best to get personalized car insurance quotes in Virginia Beach. You may also get quotes from time to time because, depending on changes in your life, you may be able to enjoy rebates, discounts or cheaper offers from other providers.

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Cheapest Car Insurance in Virginia Beach by Coverage Amount

How much car insurance coverage you purchase in Virginia Beach also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

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Virginia Minimum Liability Requirements

ItemDescription
Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $20,000 for property damage. A more protective level is 100/300/100.
Uninsured Motorist$25,000 per person, $50,000 per incident and $20,000 for property damage. The minimum coverage may not be enough if you're in a serious accident.

When buying auto insurance, you have the option to acquire state minimum liability, liability only or full coverage. The best car insurance rates in Virginia Beach for these levels are from Progressive, ranging from $325 to $476 per year. Seeing that you only have to add $86 on a 50/100/50 liability-only coverage to get 50/100/50 full coverage, it is better to opt for a comprehensive coverage level. That means that instead of the $50,000 limit for one person’s injury, $100,000 for total accident injuries and $50,000 for property damages, you also have protection for other damages that are not due to collision when you get 50/100/50 or 100/300/50 full coverage.

Average Car Insurance Premiums by Coverage Type

Liability Only
CompanyState Minimumper year50 / 100 / 50per year
1. Progressive$325$346
2. USAA$333$380
3. Erie$348$386
4. GEICO$356$398
5. State Farm$386$448
6. Nationwide$448$463
7. Mercury$417$481
8. Travelers$463$513
9. Allstate$465$517
10. MetLife$680$766
Full Coverage
Company50 / 100 / 50per year100 / 300 / 100per year
1. Progressive$432$476
2. USAA$610$653
3. Erie$617$668
4. GEICO$619$662
5. State Farm$649$724
6. Nationwide$718$719
7. Mercury$763$826
8. Travelers$782$838
9. Allstate$858$906
10. MetLife$1,200$1,174
Auto Insurance Rates

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Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Virginia Beach If You Have Tickets

Maintaining a clean driving record is not only good for your own safety but it can also benefit your wallet. Progressive can offer you as low as a $476 premium a year if you have no traffic violations. However, you will need to pay more if you have traffic tickets. With a speeding ticket, Progressive will charge you $157 more, $347 more for an at-fault accident and $191 more for a DUI. Some companies will charge you even more, such as MetLife, which adds $2,208 to their no-violation rate when you get a DUI.

CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
1. Progressive$633$823$667
2. State Farm$793$861$793
3. Erie$697$877$1,053
4. USAA$791$956$1,193
5. Nationwide$884$1,030$1,210
6. GEICO$662$984$1,665
7. Mercury$1,194$1,418$1,107
8. Travelers$1,171$1,229$1,354
9. Allstate$1,178$1,506$1,327
10. MetLife$1,428$1,742$3,382

Average Cost of Car Insurance by Postal Code

Living in certain areas of Virginia Beach affects how much you will pay for auto insurance. Auto insurance companies take your ZIP code into consideration when calculating your premium. Companies consider the number of accidents, thefts and uninsured motorists in the area, among other conditions to determine your rate based on your ZIP code. Luckily for Virginia Beach residents, the price differences between ZIP codes in the city are minimal. The cheapest ZIP code (23464) sees a $770 annual average, which is just $14 cheaper than the most expensive ZIP code (23454) at $784.

Zip CodeState Minimumper year
23464$770
23462$775
23452$779
23454$784
iconribbontop ratedCar Insurance agentsVirginia Beach2020

Top Agents Offering Affordable Car Insurance in Virginia Beach

1. Tim Jongquist - Goosehead Insurance4936 Cleveland St, Ste 105, Virginia Beach, VA, 23462
3 ratings
2. Prosper Insurance Group2929 Sabre St, Ste 200, Virginia Beach, VA, 23452
11 ratings
3. GEICO Insurance Agent4389 Virginia Beach Blvd, Virginia Beach, VA, 23462
11 ratings
4. Aubrey Pithwa - State Farm Insurance Agent562 Lynnhaven Pkwy, Ste 201, Virginia Beach, VA, 23452
6 ratings
5. Allstate Insurance: Kathy Verschelde5237 Princess Anne Rd, Virginia Beach, VA, 23462
6 ratings

Factors That Impact Insurance Costs in Virginia Beach

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Virginia Beach. How Virginia Beach ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities142nd/300
handcuffs2 icon
Most Car Thefts65th/300
uninsured icon
Most Uninsured Motorists by State34th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall56th/300
umbrella icon
Most Rainy Days78th/300

Shopping around for car insurance in Virginia Beach could save you $301, which is enough to buy:


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Methodology and Assumptions

MoneyGeek’s average premium rates for Virginia Beach are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on overage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.