How Much Does Car Insurance Cost in Virginia Beach?


It is known that Virginia has low-cost premiums, as its mean rate is $526 less than the national average. While premiums in the city are relatively low as well, cutting costs while insuring a vehicle in Virginia Beach is still important. Let's take a look at how auto insurance costs in Virginia Beach contrast with rates nationwide.


INSURANCE RATES: VIRGINIA BEACH VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$937$901$1,427


Virginia Beach Auto Insurance by Credit Score


Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you 49% every year on car insurance. Shifting from Very Poor (300-579) to Fair (580-669) hands over the largest reduction in premiums to drivers, as they save around $294 per year.


VIRGINIA BEACH CAR INSURANCE RATES BY CREDIT LEVEL
Credit LevelAverage Auto Insurance Rate
Very Poor$1,677
Fair$1,383
Good$1,158
Very Good$982
Exceptional$862


Virginia Beach Car Insurance by Gender and Marital Status


Both marital status and gender have an effect on your car insurance premiums in Virginia Beach. However, the amount by which men's and women's car insurance premiums vary is minimal. Did you know that in your city marital status can actually change your premiums substantially? Being married, as opposed to single, can save you roughly 9% per year. Rates for those who are widowed are also way cheaper than rates for those who are single.


VIRGINIA BEACH CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$942
Male$937
Single$937
Married$848
Divorced$937
Widowed$883


Virginia Beach Car Insurance After Accidents or Violations


Being knowledgable about which driving mishaps can make your car insurance rates spike will help you make better decisions and save money. Reckless driving will increase your car insurance premiums more than other driving violations. In general, a DUI in Virginia Beach will cost you 44% more in car insurance premiums versus the city average ($937). Reckless driving will drive your premiums up as well, with typical rates of $1,649, which are 76% higher than the city average! Nobody plans on being in an accident, but life happens, so be aware of how your rates can change after one. In Virginia Beach, individuals who are found at-fault in an accident spend 52% more than the city average on car insurance each year.


AVERAGE VIRGINIA BEACH INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Insurance Rate
DUI/DWI$1,345
Reckless Driving$1,649
At-fault Accident (damages less than $1,000)$1,423
At-fault Accident (damages greater than $2,000)$1,423
Speeding Ticket (16-20 mph over speed limit)$1,113


Virginia Beach Car Insurance Premiums by Driver Age

Teenage drivers are the ones who pay the most in car insurance premiums, with payments of $3,527 on average. The biggest fall in premiums between any age group is from the teenage age range to the 20s, as drivers in Virginia Beach start paying $2,216 less in premiums. In Virginia Beach, turning 60 means an increase in premiums. Up until then, progressing from one age group to the next means decreasing prices. Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest car insurance premiums among any age group, with rates of $810 per year.


VIRGINIA BEACH CAR INSURANCE COSTS BY AGE
AgeAverage Rate
Teenagers$3,527
20s$1,311
30s$918
40s$880
50s$810
60s$852
70s$1,103


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

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

Toby Leffel Insurance Agency

921 First Colonial Road Virginia Beach, VA 23454

Towne Insurance Agency LLC

301 Bendix Rd Virginia Beach, VA 23452

E L Creech & Co Inc

2600 Barrett St Virginia Beach, VA 23452

Tuck Finley

1149 Cedar Point Dr Virginia Beach, VA 23451

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

See All

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

icon_coffee

150

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

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Recent Questions:

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Virginia Beach Car Insurance

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