Compare the Cheapest Car Insurance Quotes in Virginia Beach, VA

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.

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Insurance Rates

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

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Last Updated: 7/31/2022
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Drivers in Virginia Beach who are looking for affordable auto insurance coverage should look at Progressive, which has the cheapest policies for minimum and full coverage as well as drivers with violations. However, rates can vary by driver profile and coverage level. Overall, the best in Virginia Beach is GEICO as it balances affordability and high-quality service.

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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
  • GEICO: $662 per year

If you come from a military family, you can get an affordable rate from USAA at $653 on average per year.

MetLife, on average, has the most expensive rates at $1,174 per year. For this study, the policy covers both liability insurance and comprehensive and collision insurance that covers damages to your own car.

Cheapest Car Insurance in Virginia Beach
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Progressive
    $476
  • 2.
    USAA
    $653
  • 3.
    GEICO
    $662
  • 4.
    Erie
    $668
  • 5.
    Nationwide
    $719
  • 6.
    State Farm
    $724
  • 7.
    Mercury
    $826
  • 8.
    Travelers
    $838
  • 9.
    Allstate
    $906
  • 10.
    MetLife
    $1,174

As specified in our methodology section, MoneyGeek gathered average rates from companies in Virginia Beach for a 40-year old male driver.

A full coverage policy includes liability coverage as well as:

  • Collision Insurance: Pays for damages as a result of car crashes either with another vehicle or a stationary object.
  • Comprehensive Insurance: Aside from collision damages, a full coverage also pays for damages as a result of theft, vandalism, natural disasters, etc.

These policies cost more than minimum coverage but provide the most protection.

A full coverage policy is worth getting if you have a new car where anticipated damages are worth more than your premiums. If you have an older car, state minimum coverage might be a better option so that your policy doesn’t end up being worth more than the value of your vehicle.

Compare Car Insurance Rates in Virginia Beach

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

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Insurance Rates

Cheapest Car Insurance in Virginia Beach for Minimum Coverage

The most affordable car insurance carriers for a minimum coverage policy in Virginia Beach are:

  • Progressive: $325 per year
  • Erie: $348 per year

USAA offers affordable rates at an average of $333 per year. However, these are only available to military families.

MetLife has the most expensive policies at roughly $680 per year. If you are planning to save on your premiums, a state minimum policy is the best choice. However, these policies will not have comprehensive and collision insurance, so you run the risk of not being fully covered. See how much more liability coverage costs using the table below.

Cheapest Minimum Liability Car Insurance in Virginia Beach
State Minimum

The major upside of getting a state minimum coverage policy is that you pay the minimum, saving you more on your premiums. However, because this type of policy has a limited amount of coverage, you risk having to pay out of pocket when damage expenses go over the limit. A state minimum policy in Virginia Beach pays up to $25,000 per person for bodily injuries. If medical bills exceed this amount, the policyholder must pay the excess.

Virginia Minimum Liability Requirements

  • Item
    Description
  • 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.

Cheapest Car Insurance in Virginia Beach if You Have Driving Violations

Being a safe driver is good on your record as it gives you the cheapest rates possible. On the other hand, a bad driving history increases your rates.

  • Cheapest after a ticket: Progressive, $633 per year
  • Cheapest after an at-fault accident: Progressive, $823 per year
  • Cheapest after a DUI: Progressive, $667 per year

Drivers in Virginia Beach should expect to pay expensive car insurance rates after a driving violation. It is possible to lower your rates over time by maintaining a good driving record. For now, the company mentioned above offers the most affordable rates after a driving violation.

Cheapest Car Insurance in Virginia Beach With a Violation
Speeding Ticket

Average Cost of Car Insurance in Virginia Beach

Virginia Beach$777
Virginia$790
U.S.$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.

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.

Compare Car Insurance Rates in Virginia Beach

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

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Insurance Rates

The Best Car Insurance Companies in Virginia Beach

MoneyGeek looked at car insurance companies in Virginia Beach and evaluated their average premiums, how well they handle claims and how happy their customers are. From what we've discovered, the two best auto insurance companies in Virginia Beach are:

  • Progressive: MoneyGeek score of 92.40 out of 100
  • Erie: MoneyGeek score of 92 out of 100

USAA was excluded from this research because it is only available to active-duty military personnel, veterans and their families. However, their MoneyGeek score of 91 out of 100 places it as the third-best auto insurance provider in Virginia Beach.


1
Erie
Score:100
There are no ratings for this company
Geek Quick Take
Geek Quick Take

In Virginia Beach, Erie received high scores in affordability, claims and user satisfaction. It provides better car replacement coverage. Erie's comprehensive insurance in the city costs around $668 annually.

More About Erie

If your new car is less than two years old and totaled in Virginia Beach, Erie’s better car replacement coverage and new car replacement endorsements, often known as Auto Security, will replace it with the most recent model year. Cars that are more than two years old will be replaced by a model that is two years newer. Erie also offers accident forgiveness endorsement. The first time you are at fault in an accident, there is no surcharge if you have been with Erie for three years without filing a claim.

Read MoneyGeek's Erie auto Insurance Review
2
Progressive
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

Geek Quick Take
Geek Quick Take

Progressive was rated Virginia Beach’s best insurer in affordability and scored high in claims. However, it has a low satisfaction score. Its custom parts coverage is a rare add-on. Its full coverage insurance costs around $476 yearly in the city.

More About Progressive

Progressive offers several add-on coverages to its policyholders in Virginia Beach, including the rare custom parts equipment coverage. It provides up to $5,000 in coverage for the repair or replacement of custom-installed OEM (Original Equipment Manufacturer) accessories, such as custom wheels and stereo and navigation systems. When your vehicle is stolen or wrecked, Progressive's gap insurance can be beneficial. It pays the difference between the car’s value and its loan amount. Progressive's deductible modification reduces $50 from your comprehensive or collision deductible for every six-month period without an accident or moving violation until a claim is filed.

Read MoneyGeek's Progressive auto Insurance Review

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 Code
    State Minimumper year
  • 23464
    $770
  • 23462
    $775
  • 23452
    $779
  • 23454
    $784

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 Fatalities145th/300
handcuffs2 icon
Most Car Thefts68th/300
uninsured icon
Most Uninsured Motorists by State34th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall57th/300
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Most Rainy Days82nd/300

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.