Home Car insurance Car insurance rates by state Virginia Virginia Beach, VA Cheap car insurance in Virginia Beach, VA Virginia Farm Bureau Insurance has the cheapest car insurance in Virginia Beach at $98 per month for a full coverage insurance policy. View Carriers Please enter valid zip Compare top carriers in your area Written by Alisha AmbreAlisha AmbreAlisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game. | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onMarch 12, 2026 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Car insurance in Virginia Beach costs $1,833 per year for full coverage – $153 per month. Virginia Farm Bureau Insurance offers the cheapest car insurance policies at an average of $98 per month.If you are shopping for coverage in Virginia Beach, it helps to compare multiple companies and understand how local prices stack up. Below, you will find the cheapest insurers, required coverage levels and how car insurance rates in Virginia Beach, VA, compared to other large U.S. cities.Key TakeawaysFull coverage car insurance in Virginia Beach costs $1,833 per year, which is $745 less than the nationwide average of $2,578.The cheapest car insurance company for a full-coverage policy in Virginia Beach is Virginia Farm Bureau Insurance.Car insurance in Virginia Beach is $2, less than the Virginia statewide average of $1,835 for a full-coverage policy. Cheapest car insurance company in Virginia BeachVirginia Farm Bureau Insurance offers the cheapest insurance coverage in Virginia Beach, Virginia, with an annual average rate of $1,181 for full coverage. The next cheapest company is Travelers at $1,468 per year. See other cheap car insurance rates in Virginia Beach in the table below.Average annual rates from insurers in Virginia BeachCompany Average annual rates for state minimumAverage annual rates for full coverageVirginia Farm Bureau Insurance$467$1,181Travelers$551$1,468GEICO$567$1,596Erie Insurance$530$1,736Progressive$881$2,227Allstate$958$2,567State Farm$1,107$2,668USAA*$450$1,221*USAA is only available to military community members and their families.Powered by:How much is car insurance in Virginia Beach per month?Car insurance in Virginia Beach costs $57 per month for a state minimum policy and $153 per month for a full coverage car insurance policy, on average, according to our most recent data. See monthly rates from Virginia insurers in the table below.Monthly rates for car insurance in Virginia Beach, Virginia Company Average monthly rates for state minimum Average monthly rates for full coverageAllstate$80$214Erie Insurance$44$145GEICO$47$133Progressive$73$186State Farm$92$222Travelers$46$122Virginia Farm Bureau Insurance$39$98USAA*$38$102*USAA is only available to military community members and their families.Powered by:How do car insurance rates in Virginia Beach compare to other large U.S. cities?Full coverage in Virginia Beach averages $153 per month. Rates vary across the country, and some cities pay noticeably more or less. For context, the national average for full coverage is $2,578 per month.While that provides a national benchmark, insurance costs can vary widely from one metro area to another and even cities within the same state may see meaningful differences in premiums.Areas with higher traffic density, accident frequency and vehicle theft rates all see higher insurance premiums because insurers base pricing on the level of risk in a given metropolitan area,“Large cities tend to present more risk to the insurance companies than rural areas. Large cities have more people, more cars and higher chances of getting in wrecks or having other damage done to vehicles,” says James Brau, professor of finance at Brigham Young University.“As such, insurance firms must charge higher premiums in cities.”See how much you can expect to pay for car insurance in several major U.S. cities in the table below.Monthly full-coverage car insurance costs in major U.S. metropolitan areasStateCityFull-coverage costArizonaMesa$2,629ArizonaTucson$2,447CaliforniaBakersfield$3,572CaliforniaFresno$3,440CaliforniaLong Beach$3,821CaliforniaLos Angeles$4,383CaliforniaOakland$4,026CaliforniaSacramento$3,826CaliforniaSan Francisco$3,976CaliforniaSan Jose$3,416ColoradoDenver$3,411Washington, D.C.Washington$3,465FloridaJacksonville$3,932FloridaMiami$4,672FloridaTampa$5,034GeorgiaAtlanta$2,908IllinoisChicago$2,373IndianaIndianapolis$2,113KansasWichita$2,544KentuckyLouisville$2,839MassachusettsBoston$3,016MarylandBaltimore$2,684MichiganDetroit$4,928MinnesotaMinneapolis$2,937MissouriKansas City$2,349North CarolinaCharlotte$2,833North CarolinaRaleigh$2,578NebraskaOmaha$2,140New MexicoAlbuquerque$2,901NevadaLas Vegas$5,196OhioColumbus$2,012OklahomaOklahoma City$3,154OklahomaTulsa$3,071OregonPortland$2,378TennesseeMemphis$2,671TennesseeNashville$2,337TexasAustin$3,088TexasEl Paso$3,191TexasFort Worth$3,049VirginiaVirginia Beach$1,833WashingtonSeattle$2,803WisconsinMilwaukee$2,921New YorkNew York$3,785Powered by: Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now How much car insurance do I need in Virginia Beach?Because Virginia Beach follows Virginia’s insurance laws, the required minimum coverage amounts are: $50,000 bodily injury per person$100,000 bodily injury per accident$25,000 property damage per accidentMinimum liability insurance helps cover injuries and property damage you cause to others in an accident. It does not pay for repairs to your own vehicle or your medical expenses after a crash — which is why many drivers choose higher limits or additional coverage for broader protection. These limits keep you legally compliant, but increasing them offers greater financial security if you’re involved in a serious accident.💡Don’t just aim for legal – aim for protectedState minimum coverage keeps you compliant, but it may not be enough after a serious accident. Choosing higher liability limits can better protect your savings, home and future income if damages exceed the minimum requirements.What is the average annual cost of car insurance in Virginia Beach?Drivers in Virginia Beach pay an average of $1,833 per year for full coverage car insurance. That’s $2 less than the Virginia statewide average of $1,835. For added context, the national average for full coverage is $2,578.Your actual rate will depend on factors like your driving history, age, vehicle and coverage choices. But these averages give you a helpful benchmark to see how Virginia Beach stacks up.Here’s a breakdown of the average annual cost for both state minimum and full coverage car insurance in Virginia Beach:Coverage levelAverage annual ratesState Minimum BI/PD$689Liability Only – 50/100/50 BI/PD$702Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll$1,833Full Coverage – 100/300/100 BI/PD – 250 Comp/Coll$2,004Full Coverage – 100/300/100 BI/PD – 1000 Comp/Coll$1,634Non-Owners$525Powered by:How much does car insurance cost after a ticket or accident in Virginia Beach?Car insurance rates in Virginia Beach generally go up after a violation, especially if it’s serious. On average, an at-fault accident increases premiums by 69%, while a speeding ticket raises rates by 31%. A DUI leads to the biggest jump, with average increases of 91%. Meanwhile, drivers with poor credit pay 109% more for coverage, on average. How much your rate increases depends on your insurer and driving history, but violations can affect your premium for several years.See the table below for a breakdown of rate increases in Virginia Beach by violation type.Violation% increaseAt-Fault Accident69%Bad Credit109%DUI91%Speeding31%Powered by:How does age affect car insurance rates in Virginia Beach?Insurance companies see teen drivers as higher risk — which is why their premiums are often significantly higher than those of older, more experienced motorists.In Virginia Beach, an 18-year-old pays an average of $5,428 per year for full coverage. Teens face steeper rates because they’re new behind the wheel, have limited driving history and are statistically more likely to be involved in accidents. Even a minor incident can affect pricing at that age.The upside is that rates typically begin to decrease as drivers gain experience, maintain a clean record and demonstrate safe driving habits over time.See how car insurance rates in Virginia Beach vary by age and coverage level in the table below.AgeState minimum coverageFull coverage16$3,024$9,39317$2,441$6,55718$1,978$5,42819$1,516$4,18620$1,345$3,76121$1,101$3,10822$1,012$2,84623$940$2,65424$881$2,49225$771$2,14430$710$1,95435$698$1,88940$689$1,83345$686$1,80550$664$1,70355$653$1,64560$658$1,65065$698$1,71370$745$1,83575$844$2,093Powered by: Which ZIP codes in Virginia Beach have the cheapest car insurance?Where you live also plays a role in how much car insurance costs. In Virginia Beach, the cheapest ZIP codes for car insurance are 23456, 23451 and 23454. The most expensive are 23460, 23462, and 23452.The tables below show the cheapest and most expensive ZIP codes for car insurance in Virginia Beach.Cheapest car insurance rates in Virginia Beach, by ZIP codeZIP codeAverage annual rate for full coverage23456$1,79123451$1,81623454$1,82023457$1,82323459$1,82723461$1,83023464$1,83023455$1,83623453$1,84623452$1,855Powered by:Most expensive car insurance rates in Virginia Beach, by ZIP codeZIP codeAverage annual rate for full coverage23460$1,86123462$1,85923452$1,85523453$1,84623455$1,83623464$1,83023461$1,83023459$1,82723457$1,82323454$1,820Powered by: How to choose the right car insurance in Virginia BeachVirginia Beach drivers often find the cheapest car insurance with Virginia Farm Bureau Insurance, but that doesn’t automatically make it the best fit for everyone. Rates vary based on your age, driving history, vehicle, credit profile (in most states) and even your ZIP code. That’s why shopping around and comparing multiple quotes can help you lock in the most competitive rate for your specific situation.As you review your options, take a close look at what each policy actually includes. Check liability limits, deductibles, optional coverages and available discounts. A lower premium can be appealing, but it may also mean higher out-of-pocket costs after an accident. The goal isn’t just to pay less — it’s to make sure you’re properly protected while still getting good value for your money.MethodologyIn 2026, Insure.com commissioned Quadrant Information Services to pull rates for a 40-year-old male and female driver who has a 12-mile commute and drives a Honda Accord LX 10,000 miles annually. The hypothetical driver has full coverage, carrying policy limits of 100/300/100 with $500 deductibles for collision and comprehensive coverages and a good insurance score with no violations.We analyzed 65,756,440 insurance quotes from 195 companies grouped into 73 company groups across 34,595 ZIP codes in 29,159 cities in 51 states and jurisdictions nationwide. The national average premium for full coverage in this study was $2,578 per year. Alisha Ambre . .Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game. In case you missed it The most expensive and cheapest cars to insure in 2026 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? 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Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Cheapest car insurance company in Virginia BeachHow much is car insurance in Virginia Beach per month?How do car insurance rates in Virginia Beach compare to other large U.S. cities?How much car insurance do I need in Virginia Beach?What is the average annual cost of car insurance in Virginia Beach?How much does car insurance cost after a ticket or accident in Virginia Beach?How does age affect car insurance rates in Virginia Beach?Which ZIP codes in Virginia Beach have the cheapest car insurance?How to choose the right car insurance in Virginia BeachMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330