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|
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|
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|
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
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|
|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.
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
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
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
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Virginia Beach Car Insurance
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