How Much Does Car Insurance Cost in Virginia Beach?


Virginia Beach has premiums that are relatively equivalent to the state average, as they are within $36 of one another. Keep some money in your pocket by following our tips and saving on car insurance in Virginia Beach.


INSURANCE PRICES: VIRGINIA BEACH VS. NATIONAL/STATE AVERAGES
City Average State Average National Average
$937 $901 $1,427


Virginia Beach Auto Insurance by Marital Status and Gender


Both marital status and gender can play a part in your car insurance premiums in Virginia Beach. Did you know that in your city marital status can actually change your premiums substantially? You spend $89 more per year if you're single or divorced as opposed to married. Rates for those who are widowed are also much cheaper than rates for those who are single. Females have premiums that are more expensive than those for males, but not by much.


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


Virginia Beach Auto Insurance by Credit Rating


Improving your credit can save you a sizable bundle of money. Those in the bottom credit tier (300-579) pay an average of almost twice as much on premiums than those in the top credit tier (800-850). Shifting from Very Poor (300-579) to Fair (580-669) hands over the most notable percent reduction in premiums to drivers, as they save nearly 18% per year.


VIRGINIA BEACH CAR INSURANCE COSTS BY CREDIT TIER
Credit Score Average Car Insurance Rate
Very Poor $1,677
Fair $1,383
Good $1,158
Very Good $982
Exceptional $862


Virginia Beach Car Insurance by Age Bracket

Car insurance premiums are highest for teenage drivers, with average rates of $3,527 per year. Virginia Beach drivers see the largest reduction in premiums when they reach their 20s, as they pay an average of $2,216 less after moving out of the teenage age bracket. While car insurance premiums for drivers will continue to shrink through their 50s, they should anticipate an increase when they hit 60. Drivers in their 50s save money on car insurance premiums, as they have the lowest rates among all age groups, paying only $810 each year.


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


Virginia Beach Car Insurance With Accidents or Violations


Do you realize by how much an at-fault accident or violation can raise your car insurance rates? Reckless driving will increase your car insurance premiums more than other driving violations. Drivers with a DUI in Virginia Beach have rates 44% higher than the city average of $937. Reckless driving will push your premiums up as well, with typical rates of $1,649. That is 76% higher than the city average! No one plans on getting into an accident, but life happens, so be aware of what can happen to your rates after one. For those in Virginia Beach with at-fault accidents, $486 is the amount by which annual insurance premiums can be expected to rise.


AVERAGE VIRGINIA BEACH INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or Violation Average Rate
DUI $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


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

E L Creech & Co Inc

2600 Barrett St Virginia Beach, VA 23452

PointAbove Ins Grp LLC

1055 Laskin Road, Suite 301 VIRGINIA BEACH, VA 23451

Tuck Finley

1149 Cedar Point Dr 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

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

Goosehead Ins Agcy LLC

222 Central Park Ave Ste 1810 Virginia Beach, VA 23462

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

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Virginia Beach Car Insurance

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