How Much Does Auto Insurance Cost in Virginia Beach?
Virginia Beach is recognized for its pricey premiums, as its mean premium surpasses the state average by $55. Therefore if you are insuring a vehicle in Virginia Beach, saving money is critical. We've analyzed how auto insurance rates in Virginia Beach compare to costs nationwide.
INSURANCE COSTS: VIRGINIA BEACH VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Virginia Beach Car Insurance by Age
The greatest dip in premiums for Virginia Beach drivers happens when they hit their 20s. Once out of the teenage age bracket, they save an average of 61%. While rates for drivers in Virginia Beach will continue to drop through their 50s, they should expect a change when they hit 60. Among all age groups, drivers in their 50s have the lowest car insurance rates, with rates of $833 per year. Car insurance premiums are highest for teenage drivers, with typical payments of $3,454 per year.
VIRGINIA BEACH AUTO INSURANCE COSTS BY DRIVER AGE
Virginia Beach Car Insurance by Credit Rating
For those with Exceptional credit (800-850), as opposed to Very Poor credit (300-579), car insurance premiums are 52% less per year. The biggest benefit of better credit occurs when rising from Very Poor (300-579) to Fair (580-669), by which drivers can save close to $683 per year.
VIRGINIA BEACH CAR INSURANCE COSTS BY CREDIT LEVEL
|Credit Quality||Average Auto Insurance Rate|
Virginia Beach Car Insurance for Drivers With At-Fault Accidents or Violations
Have you been involved in an at-fault accident or committed a moving violation?? That can have an impact on your prices on car insurance. Typically, a DUI in Virginia Beach will cost you 66% more in car insurance premiums versus the city average of $965. Reckless driving will also drive your premiums up, with typical rates of $1,294, which are 34% higher than the city average. Compared to at-fault accidents with damages less than $1,000, accidents with damages exceeding $2,000 cost you another $169 per year in premiums.
AVERAGE VIRGINIA BEACH INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Average Annual Premium|
|At-fault Accident (damages less than $1,000)||$1,305|
|At-fault Accident (damages greater than $2,000)||$1,473|
|Speeding Ticket (16-20 mph over speed limit)||$1,145|
Virginia Beach Car Insurance by Gender and Marital Status
In Virginia Beach, several driver attributes, including marital status and gender, can have an effect on car insurance premiums. Believe it or not, marital status has a substantial impact on premiums. You spend approximately 11% more per year if you're single or divorced as opposed to married. Rates for those who are widowed are also significantly cheaper than rates for those who are single. Luckily for men, their premiums are typically somewhat cheaper than for women.
VIRGINIA BEACH CAR INSURANCE RATES BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average 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 & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.
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
Find Local Virginia Beach Agents
Marsh & McLennan Agcy LLC
1080 Laskin Rd #204 Virginia Beach, VA 23451
E L Creech & Co Inc
2600 Barrett St Virginia Beach, VA 23452
Campbell & Associates Insurance Agency, Inc.
1092 Laskin Rd Ste 106 Virginia Beach, VA 23451
Towne Insurance Agency LLC
301 Bendix Rd Virginia Beach, VA 23452
Toby Leffel Insurance Agency
921 First Colonial Road Virginia Beach, VA 23454
1149 Cedar Point Dr Virginia Beach, VA 23451
PointAbove Ins Grp LLC
1055 Laskin Road, Suite 301 VIRGINIA BEACH, VA 23451
Goosehead Ins Agcy LLC
222 Central Park Ave Ste 1810 Virginia Beach, VA 23462
The average Virginia Beach resident's annual cost of coverage
Our customer's average savings after comparing insurance
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Virginia Beach Car Insurance
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