How much does auto insurance cost in Virginia Beach?
The typical Virginia Beach driver pays $1,041 per year for car insurance. That's more than the average across Virginia ($1,005) and cheaper than the national average of $1,548. Our guide to Virginia Beach auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!
VIRGINIA BEACH AUTO INSURANCE PREMIUMS
|Virginia Beach Average (per year)||Virginia Average||U.S. Average|
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Virginia Beach car insurance rates by insurer
One of the most important determinants of your car insurance rates is the insurance company you work with. In Virginia Beach, USAA offers the cheapest premiums for the typical insurance buyer. See below the best companies for cheap auto insurance in Virginia Beach — but don't forget to get personalized car insurance quotes to match your driving profile.
VIRGINIA BEACH CAR INSURANCE RATES BY COMPANY
|Insurer||Average Rate (annual)|
Virginia Beach car insurance premiums by age
The age bracket that pays the least for auto insurance in Virginia Beach consists of drivers in their 50s, who pay an average of $893. Drivers in their 60s pay marginally higher rates — $937 per year.
Teen drivers pay Virginia Beach's most expensive auto insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Virginia Beach is to age out of your teenage years. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Virginia Beach is $2,458, the largest such difference between any two age brackets.
VIRGINIA BEACH AUTO INSURANCE PREMIUMS BY DRIVER AGE
|Age bracket||Average Annual Rate|
Virginia Beach auto insurance costs by marital status and gender
Marital status and gender can be contributors to car insurance rates, in some cases. Married drivers usually pay less for car insurance than their single counterparts. In Virginia Beach, married motorists pay $129 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Virginia Beach, single drivers pay more than those who are widowed.
Gender is another factor that can influence auto insurance rates. In Virginia Beach, female drivers pay $4 per year more than do male drivers for car insurance.
VIRGINIA BEACH AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Gender/Marital Status||Average Annual Rate|
Virginia Beach auto insurance rates by accident and violation history
Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Virginia Beach drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $421 per year versus the city average. A ticket for speeding results in a $256 rate hike, on average, while a DUI violation costs $574per year in insurance premiums.
VIRGINIA BEACH CAR INSURANCE RATES AFTER A COLLISION OR CITATION
|Violation/Incident||Average Yearly Rate|
|At-fault Accident (damages less than $1,000)||$1,456|
|At-fault Accident (damages greater than $2,000)||$1,638|
|Speeding Ticket (16-20 mph over speed limit)||$1,297|
Virginia Beach car insurance premiums by credit tier
An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In fact, Virginia Beach drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 57% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Virginia Beach, improving your credit to "Fair" could help you earn an $811 decrease in annual car insurance rates.
VIRGINIA BEACH AUTO INSURANCE RATES BY CREDIT SCORE
|Credit Tier||Average Yearly Rate|
What drives up car insurance rates in Virginia Beach?
Where you live in Virginia Beach affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Virginia Beach is no exception to the rule. From ZIP code 23464 to 23457, premiums rise by 2 percent—that’s $21.
Expensive Virginia Beach ZIP codes: 23462, 23454, 23453, 23451, 23457
Cheap Virginia Beach ZIP codes: 23464, 23455, 23456, 23459, 23452
Virginia Beach Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Virginia Beach, you can expect 117 rainy days with an annual rainfall of 46.5 inches. Virginia Beach is also known to experience thunderstorms and occasional hurricanes.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Be Prepared For
Driving in Virginia Beach
Major HighwaysI-264 U.S. 58 SR 279
Toll RoadsVirginia Beach Expressway
Car Insurance Companies in Virginia Beach
Find Local Virginia Beach Agents
1149 Cedar Point Dr, Virginia Beach, VA 23451
Marsh & McLennan Agcy LLC
1080 Laskin Rd #204, Virginia Beach, VA 23451
Toby Leffel Insurance Agency
921 First Colonial Road Suite 1703, Virginia Beach, VA 23454
Campbell & Associates Insurance Agency, Inc.
1092 Laskin Rd Ste 106, Virginia Beach, VA 23451
Towne Insurance Agency LLC
301 Bendix Rd Ste. 300, Virginia Beach, VA 23452
E L Creech & Co Inc
2600 Barrett St, Virginia Beach, VA 23452
Goosehead Ins Agcy LLC
222 Central Park Ave Ste 1810, Virginia Beach, VA 23462
PointAbove Ins Grp LLC
1055 Laskin Road, Suite 301, VIRGINIA BEACH, VA 23451
The average Virginia Beach resident's annual cost of coverage
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