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 AverageState AverageNational Average
$965$910$1,569


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
AgeAverage Rate
Teenagers$3,454
20s$1,337
30s$944
40s$907
50s$833
60s$875
70s$1,113


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 QualityAverage Auto Insurance Rate
Very Poor$1,819
Fair$1,136
Good$965
Very Good$909
Exceptional$869


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 ViolationAverage Annual Premium
DUI/DWI$1,606
Reckless Driving$1,294
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/GenderAverage Rate
Female$967
Male$965
Single$965
Married$868
Divorced$965
Widowed$869


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.

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

E L Creech & Co Inc

2600 Barrett St Virginia Beach, VA 23452

Towne Insurance Agency LLC

301 Bendix Rd Virginia Beach, VA 23452

Toby Leffel Insurance Agency

921 First Colonial Road Virginia Beach, VA 23454

Marsh & McLennan Agcy LLC

1080 Laskin Rd #204 Virginia Beach, VA 23451

PointAbove Ins Grp LLC

1055 Laskin Road, Suite 301 VIRGINIA BEACH, VA 23451

Tuck Finley

1149 Cedar Point Dr Virginia Beach, VA 23451

Goosehead Ins Agcy LLC

222 Central Park Ave Ste 1810 Virginia Beach, VA 23462

Campbell & Associates Insurance Agency, Inc.

1092 Laskin Rd Ste 106 Virginia Beach, VA 23451

Not sure about Virginia Beach

Check out these other Virginia cities...

Norfolk

Chesapeake

Richmond

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.