The average cost of car insurance in Virginia Beach is $777 per year, which is $13 less than the state average. The insurer with the lowest average rates in Virginia Beach is Progressive, going for $476 per year. MoneyGeek analyzed the best auto insurers in the city by driving history and coverage amount to help drivers find a rate that suits their needs.
Compare the Cheapest Car Insurance Quotes in Virginia Beach, VA
The Cheapest and Best Car Insurance in Virginia Beach
The Cheapest Car Insurance Companies in Virginia Beach
The most affordable car insurance carriers for a full coverage policy in Virginia Beach are:
- Progressive: $476 per year
- USAA: $653 per year (available only for military members and their families)
MoneyGeek estimated the average car insurance costs in Virginia Beach using a sample 40-year-old male driver with full coverage insurance. For this study, the policy covers both liability insurance and comprehensive and collision insurance that covers damages to your own car.
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Average Cost of Car Insurance in Virginia Beach
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 Car Insurance Companies in Virginia Beach
The MoneyGeek car insurance scoring system comes in handy when shopping for affordable and high-quality coverage. Based on this study, the best auto insurance providers in the city for most drivers are:
- GEICO: MoneyGeek score of 93 out of 100
- Hartford: MoneyGeek score of 88 out of 100
USAA received the highest score in Virginia Beach by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
MoneyGeek calculated the scores out of 100 using several attributes, including J.D. Power’s customer satisfaction, financial stability and affordability ratings.
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.
Shopping around for car insurance in Virginia Beach could save you $301, which is enough to buy:
Cheapest Car Insurance in Virginia Beach by Coverage Amount
In Virginia Beach and other cities in Virginia, the amount of car insurance coverage you purchase dictates its cost. For instance, drivers pay an average of $432 per year for a minimum liability insurance policy and $777 for full coverage. That is a difference of $345 per year.
Virginia Minimum Liability Requirements
- 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: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Virginia Beach if You Have Driving Violations
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
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
Top Agents Offering Affordable Car Insurance in Virginia Beach
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.
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 coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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