Car insurance in Virginia Beach, VA: Cheapest insurance and average rates

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Car insurance in Virginia Beach costs $1,457 per year for full coverage – $121 per month. Virginia Farm Bureau offers the cheapest car insurance policies at an average of $92 per month.

Virginia Beach is the largest city in the state of Virginia, with a population of around 455,000. The city borders Norfolk, which has a population of around 232,000. With that, there are lots of drivers on the road. 

Learn about the cheapest car insurance companies in Virginia Beach, how much car insurance you need in Virginia Beach and how its insurance rates compare to other large U.S. cities.

How to find the best car insurance in Virginia Beach

Shopping around is the key to finding the best car insurance in Virginia Beach. When you take the time to get multiple quotes from at least three companies, you can lock in the right option for your unique situation. As you explore your options, don’t forget to ask about any discounts you qualify for. 

Cheapest car insurance company in Virginia Beach

Virginia Farm Bureau offers the cheapest insurance coverage in Virginia Beach, Virginia, with an annual average rate of $1,068 for full coverage. The next cheapest company is Travelers at $1,175 per year. 

See other cheap car insurance rates in Virginia Beach in the table below.

Average annual rates from insurers in Virginia Beach

How much is car insurance in Virginia Beach per month?

Car insurance in Virginia Beach costs $44 per month for a state minimum policy and $121 per month for a full coverage car insurance policy, on average, according to 2024 data. See monthly rates from Virginia insurers in the table below.

Monthly rates for car insurance in Virginia Beach, Virginia. 

How do rates in Virginia Beach compare to other large cities in the U.S.?

Car insurance is cheaper in Virginia Beach than in larger cities. Compare Virginia Beach’s monthly average rate of $121 to Los Angeles’ $262 or a rate of $217 in New York, New York.

James Brau, professor of finance at Brigham Young University, says that the more risk the insurance company must bear, the higher the premium they must charge to stay in business and make a profit. 

“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,” Brau says. “As such, insurance firms must charge higher premiums in cities. Cities that are relatively more dangerous, in turn, must charge higher premiums than cities that are not as risky. Insurance companies study damage losses per metropolitan area and assign premiums depending on the number of wrecks in an area.”

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 areas

Here’s what you need to know when driving in Virginia Beach, VA

Virginia Beach drivers spend an average of 24 minutes commuting to work. 

Here are a few tips for drivers in Virginia Beach, Virginia:

• A maps app offers a useful way to reroute around traffic, even if you already know your way around town. 
• Rush hour runs from 7:30-9 a.m. and 4-6 p.m. If possible, avoid the roads during these times. 
• If possible, stay home when winter weather makes driving conditions poor. 

And there are a few city restrictions in Virginia Beach. Miscellaneous driving restrictions in the city of Virginia Beach, Virginia:

• Speeding within certain areas could lead to a fine of at least $200. 
• Passengers under age 16 cannot be transported in the back of a pickup truck. 

How much car insurance do I need in Virginia Beach?

The state of Virginia doesn’t require car insurance, but the state requires a fee: The $500 Uninsured Motor Vehicle (UMV) fee, paid to the Department of Motor Vehicles (DMV), does not provide any insurance; it only allows you to drive an uninsured vehicle at your own risk.

The car insurance requirements in Virginia Beach follow the state of Virginia’s guidelines. Here is a look at the requirement minimum coverage amounts:

• $30,000 in bodily injury for a person involved in an accident 
• $60,000 for bodily injury per accident
• $20,000 in property damage coverage per accident

But for policies effective Jan 1, 2025, you’ll need more insurance. Below is a look at the updated insurance requirements:

• $50,000 in bodily injury for a person involved in an accident 
• $100,000 for bodily injury for two or more people in an accident
• $25,000 in property damage coverage per accident

Average cost of car insurance in Virginia Beach

The average annual cost of full coverage car insurance in Virginia Beach, Virginia, is $1,457 – $12 cheaper than the North Carolina statewide average of $1,469. That’s quite a bit lower than the nationwide average of $1,895.

Annual average rates in Virginia Beach for state minimum coverage and full coverage

How much does car insurance in Virginia Beach cost with violations?

When you commit moving violations, that tends to push your car insurance costs higher. 

For example, Virginia Beach drivers see their rates increase by an average of 50% after an  at-fault accident. If you are caught speeding, that ticket could push your car insurance rates up by an average of  40%. DUIs also lead to higher costs, with an average rate increase of 50%, and bad credit can increase your rates 76%.

See rate increases in Virginia Beach in the table below, by violation.

Cheapest car insurance in Virginia Beach by age

Car insurance for teens in Virginia Beach can get expensive – the annual rate for an 18-year-old is $4,297 per year for a full coverage policy. Rates start to head down at age 25 and back up in your late 60s. See more rates by age in the table below.

Annual rates for state minimum and full coverage car insurance in Virginia Beach, by age

Compare auto insurance rates in Virginia Beach by ZIP code 

Where you live also plays a role in car insurance costs. In Virginia Beach, the cheapest ZIP codes for car insurance are 23456, 23451 and 23461. The most expensive are 23462, 23460, and 23452. Note that there isn’t a large price difference between ZIP codes in Virginia Beach.

See the tables below for the cheapest and most expensive ZIP codes for car insurance in Virginia Beach. 

Cheapest annual car insurance rates in Virginia Beach, by ZIP code 

Most expensive annual car insurance rates in Virginia Beach, by ZIP code 

Our recommendations: Car insurance for drivers in Virginia Beach

On average, Virginia Beach drivers get the cheapest coverage by purchasing a policy with Virginia Farm Bureau. 

But as you explore your options, it’s important to consider more than the price. Make sure to  look at the policy details to confirm you are getting the coverage you want and need. 

Comparing your options can help you lock in the best price for your situation, which means taking time to shop around and gather quotes from several insurance companies can pay off in a big way. 

Many drivers get the most value from a full coverage insurance policy with liability limits of 100/300/100. But as you accumulate wealth, consider choosing higher liability limits. Ample coverage can provide peace of mind as you navigate Virginia Beach roads. 

Resources & Methodology

Methodology

In 2024, Insure.com commissioned Quadrant Information Services to pull rates for a 40-year-old who has a 12-mile commute and drives a 2023 Honda Accord LX 10k miles annually. The hypothetical driver has full coverage, carrying policy limits of 100/300/100 with $500 deductibles for comprehensive and collision coverages. We analyzed 51,088,003 insurance quotes from 167 companies across 34,588 ZIP codes in every state and Washington, D.C.

Sarah Sharkey

Contributing Researcher

 

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Sarah Sharkey is a personal finance writer with a master’s degree in management from the Hough School of Business at the University of Florida. She enjoys helping readers find money solutions that work. She has written for numerous personal-finance publications including Money Under 30 and The College Investor.