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 Average||State Average||National Average|
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 Level||Average Auto Insurance Rate|
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/Gender||Average Rate|
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/Violation||Average Insurance Rate|
|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
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
Car Insurance Companies in Virginia Beach
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
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
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
How do I get a new policy if I’m between residences?
|I basically got kicked out of my house and i was told i need to get my own insurance. Im|
Virginia Beach Car Insurance
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