Virginia Beach, VA Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Virginia Beach.
How much does car insurance cost in Virginia Beach?
Car insurance in Virginia Beach costs an average of $803 for a six-month policy or $134 per month on average. In 2023, our data shows USAA is the cheapest car insurance company in Virginia Beach with rates at $515 for a six-month policy.
Virginia Beach residents encounter elevated car insurance expenses compared to the typical rates in Virginia ($803 for a six-month policy) and surpass the national average of $880. According to our clientele in Virginia Beach, 37% of them said they're paying too much for car insurance. Whether you share this sentiment or require guidance pertaining to your auto insurance, keep reading to learn about fair premiums in Virginia Beach, factoring in variables like credit score, level of coverage, and more.
| Car Insurance in Virginia Beach vs. Virginia | Avg. 6 Mo. Premium |
|---|---|
| Virginia Average | $757 |
| Virginia Beach Average | $803 |
The cheapest car insurance companies in Virginia Beach
USAA is the cheapest at $86 per month or $515 for a six-month policy. Keep in mind that USAA is only available to members of the military community.
In second place is Nationwide, which costs $94 per month or $564 for a six-month policy.
Rounding out the list is Virginia Farm Bureau as the third-cheapest insurance company. On average, a Virginia Farm Bureau policy in Virginia Beach costs $579 per six-month policy (about $97 per month).
The Zebra's key takeaways about car insurance in Virginia Beach:
- The average cost of a car insurance policy in Virginia Beach is $803 per six-month policy — $134 per month.
- The cheapest company in Virginia Beach is USAA ($515).
- 37% of Zebra customers in Virginia Beach stated they used our product because they were paying too much for car insurance.
Are you paying too much for auto insurance?
Virginia Beach car insurance rates by company
Based on our 2023 findings, USAA claims the title of the least expensive car insurance company for full coverage in Virginia Beach. On average, policyholders pay $86 per month or $515 for a six-month policy. Nationwide follows closely as the second most affordable alternative, offering coverage at $94 per month or $564 for a six-month policy. Familiarize yourself with top-rated car insurance companies as determined by The Zebra's Customer Satisfaction Survey.
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Cheapest car insurance companies in Virginia Beach, VA
| Company | Avg. 6 Mo. Premium |
|---|---|
| USAA | $515 |
| Nationwide | $564 |
| Virginia Farm Bureau | $579 |
| Auto-Owners | $582 |
| State Farm | $623 |
| GEICO | $624 |
| Progressive | $820 |
| Allstate | $1,056 |
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Shop around for the best rates
Uncovering the most cost-effective car insurance coverage necessitates a comparison. Allow our thorough evaluation to undertake the necessary groundwork on your behalf. Enter your ZIP code to access a multitude of rates from Progressive, State Farm, GEICO, and Nationwide (in addition to other leading providers) and ascertain the finest and most budget-friendly car insurance options available in Virginia Beach.
Average car insurance in Virginia Beach by rating factor
The insurance landscape relies on a meticulous assessment of numerous rating factors assigned to each applicant. These rating factors encapsulate crucial information concerning your identity, thereby determining the degree of risk you pose to the insurance company and subsequently establishing a benchmark for fair pricing. Among the prevalent rating factors are age, geographical proximity, credit score, and driving history.
As some of these factors undergo transformations over time, the optimal insurance provider for you may also experience fluctuations. Periodically obtaining quotes will enable you to gauge whether you continue to secure the most competitive rates in Virginia Beach.
Q: I didn't have an accident — Why is my insurance going up?
A: The end-of-year financial earnings (premium revenues minus the disbursement for settling policyholders' claims) represent a significant determinant when it comes to determining the price of car insurance in Virginia Beach. It is important to note that even if you have a claims-free record with your insurer, you may still find yourself paying more if a particular insurance company has experienced an increase in operational costs specific to Virginia Beach.
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Auto insurance premiums by age in Virginia Beach
In the realm of insurance, one of the primary rating factors employed by insurance companies revolves around the age of the driver. Age is often viewed as a reliable indicator of driving experience. As newer drivers tend to have less experience on the road, their potential for accidents and claims is higher. Consequently, it comes as no surprise that teenage drivers face the highest insurance premiums. In Virginia Beach, the disparity in rates paid by teenage drivers compared to those in their 20s reaches a substantial $3,222 per year, standing out as the most significant discrepancy between any two age groups for a new car insurance policy.
Cheapest car insurance companies for teen drivers in Virginia Beach, Virginia
| Company | Avg. 6 Mo. Premium |
|---|---|
| Virginia Farm Bureau | $1,367 |
| USAA | $1,671 |
| GEICO | $1,882 |
| Auto-Owners | $1,933 |
| Nationwide | $2,109 |
| State Farm | $2,450 |
| Allstate | $2,733 |
| Progressive | $4,232 |
Zebra Tip:Â The cheapest companies for Virginia Beach drivers between 20-40 are USAA, Virginia Farm Bureau and Nationwide
Virginia Beach sees most drivers fall within the 20-40 age bracket. This specific group incurs expenses amounting to $950 every six months. By selecting one of these companies as their insurance provider, these individuals have the potential to secure savings as high as 32%.
Auto insurance premiums for minimum coverage in Virginia Beach
In Virginia Beach, the extent of coverage you decide on for your car insurance holds immense sway over your premiums. The more comprehensive the protection you select, the greater the cost you'll incur. There are quite a few drivers in Virginia Beach who carry minimal coverage. While this may meet the legal obligations required by the state, solely relying on this level of coverage may expose you to the risk of being underinsured.
In Virginia Beach, many drivers lean towards selecting a comprehensive protection plan commonly referred to as "full coverage." This inclusive package encompasses collision coverage and comprehensive coverage, often mandated by lending associations for individuals who lease or finance their vehicles. Both of these options involve a deductible, affording you the flexibility to opt for a higher deductible, thereby securing a reduced monthly rate.
In Virginia Beach, opt for popular enhancements such as roadside assistance or uninsured motorist coverage to fortify the protection for you and your vehicle. While the inclusion of these coverages will raise your premiums, it is noteworthy that The Zebra's experts strongly advise their contemplation.
Q: Can I lower my car insurance coverage?
A: Possibly — if your vehicle is paid off.
If you choose to lease or finance your car, it is likely that a specific level of coverage will be required. However, if you are the outright owner of your vehicle, it is worth contemplating whether comprehensive or collision coverage is necessary. It is advisable to refer to authoritative sources such as Kelley Blue Book to accurately determine the actual cash value of your car. Generally, if the value falls below $4,000, it may be reasonable to consider excluding collision coverage. Nevertheless, it is important to bear in mind that by removing collision coverage, you assume the potential responsibility for repair costs in the event of an accident.
Cheapest car insurance companies for minimum coverage in Virginia Beach, VA
| Company | Avg. 6 Mo. Premium |
|---|---|
| USAA | $217 |
| Auto-Owners | $232 |
| Virginia Farm Bureau | $268 |
| GEICO | $275 |
| State Farm | $277 |
| Nationwide | $307 |
| Allstate | $381 |
| Progressive | $441 |
32% of our customers in Virginia Beach opt for minimum coverage, but this may not be the best option for everyone. While we understand state minimum or basic coverage is a budget-friendly solution, it does leave you at risk for damages that exceed your liability limits. Virginia's 30/60/20 liability limits provide coverage for damage you cause up to $30,000 per person in bodily injury, $60,000 per accident in bodily injury and $20,000 for property damage. While this may be sufficient for most basic car accidents, it may not be sufficient for bodily injury claims or multi-vehicle accidents. It's important to consider your options, and your specific situation, carefully when selecting coverage.
Virginia also requires uninsured/underinsured motorist coverage at 25/50/20. UMP is optional in many states, but this requirement can add an extra layer of protection if you're involved in an accident with a driver lacking insurance (or enough coverage).Â
Learn more about insurance laws in Virginia.
Virginia Beach car insurance rates by credit score
Virginia Beach, like other states, adheres to the practice of considering a driver's credit score during the policy rating process. This is based on the observed correlation between credit scores and the likelihood of insurance claims. Extensive data analysis reveals that individuals with lower credit scores tend to display higher rates of claim filing, instances of coverage lapses, and engagement in risky driving behavior. As a result, individuals with poor credit are subject to increased premium costs due to the connection between creditworthiness and heightened risk.
Interestingly, Virginia Beach drivers burdened with poor credit scores (300-579) encounter a staggering 107% surge in premiums compared to their counterparts with excellent credit (800-850). Our data reveal that 33% of drivers in Virginia Beach possess a credit score classified as average (580-679). In 2023, USAA stands out as the most affordable option for Virginia Beach drivers contending with this level of credit.
Cheapest car insurance companies for bad credit in Virginia Beach, VA
| Company | Avg. 6 Mo. Premium |
|---|---|
| Nationwide | $766 |
| GEICO | $802 |
| Virginia Farm Bureau | $931 |
| Auto-Owners | $975 |
| USAA | $1,009 |
| State Farm | $1,255 |
| Progressive | $1,324 |
| Allstate | $1,427 |
Zebra Tip: If you recently improved your credit score, shop around for car insurance!
According to our findings in Virginia Beach, drivers with "Fair" credit enjoy an annual car insurance cost that is $854 lower than drivers with "Poor" credit. If you've recently paid off a loan or implemented measures to improve your credit score, it's worth exploring your chosen credit monitoring software to assess if these recent actions might translate into potential car insurance savings.
Auto insurance rates with an at-fault accident
At-fault and collision-type accidents are the primary categories of insurance claims. Our 2023 statistics reveal that an at-fault accident resulted in a rise in the average Virginia Beach insurance rate by about $68 per month. Auto-Owners stands out as the most economical company in Virginia Beach after an at-fault accident.
Keeping a clean driving record and making every effort to avoid accidents is the most effective means of ensuring affordable auto insurance rates. Any infringement, such as receiving a ticket for exceeding the speed limit, facing charges for reckless driving, or being charged with a DUI, will inevitably result in higher premiums. The duration of the impact on your insurance policy ranges from three to five years, depending on the severity of the violation.
Cheapest car insurance companies after an at-fault accident in Virginia Beach, VA
| Company | Avg. 6 Mo. Premium |
|---|---|
| Auto-Owners | $582 |
| USAA | $744 |
| Virginia Farm Bureau | $771 |
| State Farm | $804 |
| Nationwide | $890 |
| GEICO | $916 |
| Progressive | $1,396 |
| Allstate | $1,591 |
Virginia Beach car insurance rates by violation
Below you can see how different violations and claims will increase your rate in Virginia Beach.
Car insurance rate increases after violations and citations in Virginia Beach, VA
Why is car insurance in Virginia Beach so expensive?
When it comes to Virginia Beach, car insurance rates deviate from the state of Virginia's average but remain lower than the national average. The city's population density and the high cost of repairs are factors that influence the rates. However, individual factors such as your driving history or the demographic you fall into can significantly impact your premium. Here's a summary of why car insurance can be costly in Virginia Beach.
The area of Virginia Beach in which you live can have an impact on the rates of your car insurance. While individual elements such as your driving history and demographic information are significant in determining the cost of your premiums, the location you reside in also plays a role.
Crime rates, incidents of theft, and the presence of uninsured drivers can vary across different ZIP codes, causing some areas of the city to be considered higher risk by insurance companies. If you happen to reside in a neighborhood with a high crime rate, it is likely that you will be required to pay a higher premium for your car insurance compared to someone living in a safer area. The good news is that the rates between the most expensive and cheapest ZIP codes in Virginia Beach differ by less than $4 per month.
Hurricanes, hail, and weather-related damage can bankrupt insurance companies, and Virginia is no stranger to severe weather. Because of this risk, it’s expensive for auto insurance companies in Virginia Beach to do business. As such, they will raise their rates to anticipate further weather-related losses. The Virginia Beach metro area ranked #5 and #9 for storm surge and hurricane wind risk, respectively, in 2022.[1]
If you're concerned about the possibility of flood damage to your vehicle, this is covered under your comprehensive coverage. If you have a new or nice vehicle, we definitely recommend considering comprehensive coverage as part of your Virginia Beach car insurance policy.
Between the military population in the area, the high number of tourists, everyday commuters, plus the folks who've called Virginia Beach home for years, there are a lot of cars on the road in the city. The population estimate in 2022 was about 455,000 people, and the more people drive in a city, the more accidents tend to happen.[2]
According to our data, about 29% of drivers in Virginia Beach are not currently insured — this is significant and another major risk on the road. If you’re hit by an uninsured driver, you could be left paying for the damage yourself. Luckily, Virginia's requirements include uninsured motorist coverage, which will help protect you.
Zebra Tip: Comprehensive coverage and uninsured property damage coverage are good to have in Virginia
Comprehensive coverage extends its protection to damages arising from adverse weather conditions, encounters with animals, and incidents of vandalism. For individuals who possess brand-new or highly valuable vehicles, it is highly recommended to include comprehensive coverage as an essential component of their Virginia Beach car insurance policy.
Virginia is unique in that it requires uninsured motorist coverage (also known as UMPD). This coverage offers invaluable support in cases where you or your vehicle sustain damage caused by an underinsured or uninsured driver. With a lower deductible and more affordable premiums compared to collision coverage, a UMPD claim can potentially save you hundreds of dollars in rate increases.
Bundling insurance policies in Virginia Beach
Across the nation, car insurance rates are experiencing an upward trajectory, causing apprehension among drivers residing in Virginia Beach, where the average rates are already considerably high. Nonetheless, numerous opportunities remain for potential savings. One prevalent discount offered by insurance companies is the multi-policy discount, commonly referred to as the "bundling" discount. Opting to combine your auto insurance with your home or renters insurance under a single provider can unlock this advantageous discount. Certain companies extend savings of up to 10% on the combined premiums. Expanding your knowledge regarding the bundling of home and car insurance can shed further light on this topic.
For those individuals who currently uphold separate policies for their dwelling and automobile, embarking on an investigation to ascertain whether amalgamating these policies could lead to cost savings is a course of action well worth undertaking. Oftentimes, the endeavor is likely to prove fruitful and result in considerable financial gains.
Cheapest car insurance companies for bundling home and auto insurance in Virginia Beach, VA
| Company | Avg. 6 Mo. Premium |
|---|---|
| Nationwide | $425 |
| USAA | $483 |
| State Farm | $509 |
| Virginia Farm Bureau | $518 |
| Auto-Owners | $522 |
| GEICO | $596 |
| Progressive | $705 |
| Allstate | $856 |
While you may not be able to control all variables, you can still optimize your driving profile to be more alluring to insurance providers. Our primary recommendation revolves around researching and comparing auto insurance quotes from numerous companies. This ensures the attainment of a competitively priced rate that upholds the tenets of comprehensive coverage and stellar service — a particularly vital pursuit if any personal factors have changed, such as a change in residence, a significant birthday, or a credit change. Despite best intentions, certain companies inherently maintain a higher price point than their counterparts; rest assured, transitioning to an alternative provider is a viable option and is worth looking into.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.