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 AverageU.S. Average
$1,041$1,005$1,548

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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
InsurerAverage Rate (annual)
USAA$889
Erie$929
Progressive$933
State Farm$985
Nationwide$1,121

Consult our expert guide to finding the best cheap car insurance.



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 bracketAverage Annual Rate
Teenagers$3,894
20s$1,436
30s$1,018
40s$971
50s$893
60s$937
70s$1,200

Learn more about the impact of age on auto insurance rates.



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 StatusAverage Annual Rate
Female$1,045
Male$1,041
Single$912
Married$912
Divorced$1,041
Widowed$914

Learn more about the impact gender and marital status have on insurance rates.



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/IncidentAverage Yearly Rate
DWI/DUI$1,615
Reckless Driving$1,463
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

Learn more about how citations can raise your auto insurance rates.



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 TierAverage Yearly Rate
Very Poor$2,041
Fair$1,230
Good$1,041
Very Good$947
Exceptional$877

Get additional information on how credit impacts car insurance costs.



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.

117

Rainy Days a Year

47"

Avg. Annual Rainfall

6"

Avg. Annual Snowfall

Be Prepared For

Driving in Virginia Beach

2
Major Highways
I-264 U.S. 58 SR 279
2
Public Transit
VB Wave The Tide The MAX
2
Toll Roads
Virginia Beach Expressway
2
Popular Day Trips
Luray Caverns Colonial Williamsburg Chincoteague Island

Find Local Virginia Beach Agents

Campbell & Associates Insurance Agency, Inc.

1092 Laskin Rd Ste 106, 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

E L Creech & Co Inc

2600 Barrett St, Virginia Beach, VA 23452

Towne Insurance Agency LLC

301 Bendix Rd Ste. 300, Virginia Beach, VA 23452

Tuck Finley

1149 Cedar Point Dr, Virginia Beach, VA 23451

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

Not sure about Virginia Beach

Check out these other Virginia cities:

Richmond

Chesapeake

Norfolk

2

$939

The average Virginia Beach resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

150

That's equal to 150 cups of coffee or $376 in savings

See How Much You Can Save in Virginia Beach

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Recent Questions:

Virginia Beach Car Insurance

How do I get a new policy if I'm between residences?

You will need a permanent address to get a policy with most companies so I would recommend using your previous address until you move to a permanent location. At that point, you can update the address on your policy.

How many cars can I list under one insurance policy?

The maximum allowable number of drivers and vehicles that can be insured on any particular car insurance policy will vary by company. While there is no set standard, most insurance companies will allow their customers to insure up to 4 drivers and 4 vehicles on a single policy. This does not mean that you cannot insure more drivers and/or vehicles with your car insurance company if that becomes necessary.