Car Insurance in Virginia Beach

Premiums in Virginia Beach are relatively equivalent to Virginia's rates, as its premiums are within $36 of the state average. Why don't we get started on how to save on car insurance in Virginia Beach?

  • City Average: $937
  • State Average: $901
  • National Average: $1,427

Virginia Beach Car Insurance by Accident or Violation History

By avoiding driving mishaps that can make the cost of premiums spike, you can not only save yourself money, but become a safer driver. Reckless driving will increase your car insurance premiums more than other driving violations. Generally, a DUI in Virginia Beach will cost you 44% more in car insurance premiums versus the city average of $937. Reckless driving will bump your rates up as well, with typical rates of $1,649! If you are found at-fault in an accident in Virginia Beach, you can expect your annual car insurance payments to rise by 52%.

  • DUI: $1,345
  • Reckless Driving: $1,649
  • At-fault Accident (damages less than $1000): $1,423
  • At-fault Accident (damages greater than $2000): $1,423
  • Speeding Ticket (16-20 mph over speed limit): $1,113

Virginia Beach Car Insurance by Gender and Marital Status

Pricing for car insurance premiums in Virginia Beach is determined by a lot of things, including gender and marital status. Did you know that in your city marital status can actually change your premiums substantially? Being married, as opposed to single, can save you around $90 per year on car insurance. Rates for those who are widowed are also significantly cheaper than rates for those who are single. Premiums for men tend to be cheaper than for women, but not by much.

  • Female: $942
  • Male: $937
  • Single: $937
  • Married: $848
  • Divorced: $937
  • Widowed: $883

Virginia Beach Car Insurance by Credit Rating

Improving your credit can save you a good bundle of money. Those in the top credit tier (800-850) save an average of 49% each year on premiums compared to those in the bottom tier (300-579). Moving from Very Poor (300-579) to Fair (580-669) results in the greatest percent decrease in premiums, as drivers save approximately 18% per year.

  • Very Poor: $1,677
  • Fair: $1,383
  • Good: $1,158
  • Very Good: $982
  • Exceptional: $862

Virginia Beach Car Insurance by Age

In Virginia Beach, drivers see the largest dip in premiums when they hit their 20s, as they pay an average of 63% less after moving out of the teenage age range. Car insurance premiums for drivers continue to decline through their 50s, but they can anticipate to pay more when they hit 60. Teenage drivers have the most expensive rates of any age group, with average car insurance payments of $3,527. Among all age groups, drivers in their 50s have the lowest car insurance premiums, with rates of $810 per year.

  • 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

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

Find Local Virginia Beach Agents

Toby Leffel Insurance Agency

921 First Colonial Road Virginia Beach, VA 23454

PointAbove Ins Grp LLC

1055 Laskin Road, Suite 301 VIRGINIA BEACH, VA 23451

Tuck Finley

1149 Cedar Point Dr Virginia Beach, VA 23451

E L Creech & Co Inc

2600 Barrett St Virginia Beach, VA 23452

Towne Insurance Agency LLC

301 Bendix Rd Virginia Beach, VA 23452

Goosehead Ins Agcy LLC

222 Central Park Ave Ste 1810 Virginia Beach, VA 23462

Marsh & McLennan Agcy LLC

1080 Laskin Rd #204 Virginia Beach, VA 23451

Campbell & Associates Insurance Agency, Inc.

1092 Laskin Rd Ste 106 Virginia Beach, VA 23451

See All

Not sure about Virginia Beach

Check out these other Virginia cities...

Norfolk

Chesapeake

Richmond

$939

The average Virginia Beach resident's annual cost of coverage

40%

Our customer's average savings after comparing insurance

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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Additional Resources:

Virginia Beach Car Insurance

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