The best car insurance in Virginia Beach, VA

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The average cost of full coverage car insurance in Virginia Beach is $1,440 per year, which comes in at $126 more than the Virginia state average of $1,314 per year. Car insurance rates in Virginia Beach may be higher for multiple reasons, including its large population compared to other cities in the state and its location close to the beach.

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When looking for car insurance, the best way to make sure you’re saving money is to compare insurance rates between different companies. Policygenius helps you see different company quotes and choose the coverage that’s right for you.

Key Takeaways

  • USAA has the lowest average car insurance rate in Virginia Beach at $845 per year

  • GEICO has the lowest average rate for drivers with poor credit in Virginia Beach at $1,302 per year

  • Virginia minimum liability requirements are $25,000 per person and $50,000 per accident in bodily injury liability coverage, and $20,000 in property damage liability coverage

  • Virginia allows drivers to pay a $500 fee to the DMV to drive uninsured, but drivers will be financially responsible for related damage and injuries if they get in an accident

Cheapest car insurance companies in Virginia Beach, VA

Car insurance companies all use the same information to calculate your rates, but have different methods when it comes to how they use this information. This is why rates vary from company to company.

Even drivers who live in the same neighborhood can potentially pay more or less than their neighbor who lives in the same zip code and drives the same car. It is important to research multiple companies and compare rates before purchasing car insurance.

Company

Average cost

JD Power Rating

USAA

$845

890

GEICO

$897

871

State Farm

$961

881

Main Street America

$966

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Auto-Owners Insurance

$1,016

890

Cheapest car insurance rates by ZIP code in Virginia Beach, VA

ZIP codes are one of the leading factors when determining rates for car insurance because rates are partially determined by the number of car thefts, traffic tickets, and accidents in a given geographic area. Other variables like the availability of secured garage parking and street parking can also impact the rates in a specific ZIP code.

Below are the average rates by ZIP code in Virginia Beach, VA.

ZIP code

Average cost

23451

$1,434

23452

$1,436

23453

$1,455

23454

$1,432

23455

$1,444

23456

$1,424

23457

$1,419

23459

$1,429

Choosing the right car insurance company in Virginia Beach, VA

Choosing the right car insurance company means finding the right coverage at a price you can afford. With so much information at your disposal, it can be challenging to comb through it all and find the best insurance for you. Policygenius does the work for you — our insurance experts are here to help you find the right policy at a price that fits your budget.

Car insurance rates for drivers with driving violations in Virginia Beach, VA

Your driving history is compiled into something called a motor vehicle report (MVR), which insurers use to help determine your insurance rate. If your MVR includes driving violations like a DUI, a traffic ticket, or an accident report, insurance companies see you as more of a risk to insure and your rates may increase. States have varying rules about how long these incidents stay on your record. In Virginia, how long a driving violation stays on your record depends on the infraction. Minor infractions stay on your record for three years, while major 6-point violations, like a DUI, will remain on your record for 11 years.

Below are the average rates for Virginia Beach drivers with violations or accidents on their driving record.

Violation

USAA

GEICO

State Farm

Main Street America

Auto-Owners Insurance

At-fault accident

$1,284

$1,526

$1,161

$1,135

$1,324

DUI

$1,674

$1,950

$1,067

$2,517

$1,324

Suspended license

$1,634

$2,368

$1,067

$2,517

$1,324

Open container

$1,511

$1,950

$1,067

$2,517

$1,028

Expired registration

$1,088

$865

$1,067

$1,594

$1,028

Driving without lights

$894

$1,099

$1,067

$1,594

$1,028

Not showing documents

$1,088

$865

$1,067

$1,594

$1,028

Running a red light

$1,088

$1,099

$1,067

$1,661

$1,028

Cheapest car insurance for drivers with bad credit in Virginia Beach, VA

If you have a low credit score, you can expect to pay higher car insurance premiums than drivers with good credit. Studies have shown that drivers with lower credit scores file more claims than drivers with higher credit scores, so car insurance companies see drivers with low credit scores as more of a risk to insure.

Not all states let insurance companies rate drivers based on their credit scores, but Virginia does. If you have bad credit, it’s particularly important to shop around for car insurance and compare rates across several companies to make sure you’re getting the best price due to your credit history.

Company

Rates for drivers with bad credit

GEICO

$1,302

USAA

$1,557

Nationwide

$1,606

Auto-Owners Insurance

$1,741

Virginia Farm Bureau

$1,822

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Buying car insurance in Virginia Beach, VA

Virginia state law allows drivers to be uninsured as long as they pay a $500 fee to the DMV. However, should an uninsured driver get into an accident, they will be fully financially responsible for any resulting damage or injury. The best way to cover your financial responsibilities in the case of an accident is to purchase car insurance.

Should drivers choose to be insured, the state of Virginia requires minimum liability insurance that includes $25,000 per person and $50,000 per accident in bodily injury liability coverage, and $20,000 in property damage liability coverage. Personal injury protection is optional.

Additionally, Virginia is an “at-fault state”, meaning that any resulting damages from an accident are the financial responsibility of the person who caused the accident. Purchasing car insurance is encouraged for Virginia Beach residents since drivers will be liable and financially responsible in cases where they cause an accident. If you can afford it, increasing your insurance coverage beyond the state minimums will also offer more protection in the event of an accident.

How to get cheap car insurance in Virginia Beach, VA

The cost of car insurance in Virginia Beach is more expensive than other Virginia cities, but that doesn’t mean there aren’t ways to save on a policy. Consider asking your insurance company about the following discounts:

  • Safe driver discount: You can be rewarded for your clean driving record through lower premiums.

  • Loyalty discount: Staying with the same auto insurance company for multiple years could qualify you for a discount on your premium as a way to reward you for your loyalty.

  • Low mileage discount: If you’re a driver that doesn’t spend much time on the road, you could qualify for a lower rate than drivers with long commutes.

  • Bundling discount: Purchasing multiple types of insurance (such as home and auto) through the same company oftentimes qualifies you for a discount.

  • Military discount: Several insurance companies offer a discount to active military members and their families.

  • Professional discount: Some companies offer discounts for people in certain professions (such as teachers and firefighters). Your employer may also partner with an insurance company that offers employees discounted rates.

Frequently asked questions

Which company has the cheapest car insurance in Virginia Beach?

The cheapest average car insurance in Virginia Beach is from USAA. However, rates vary from person to person based on several factors, so it’s important to compare different company policies to guarantee you’re getting the best price.

Why is car insurance more expensive in Virginia Beach compared to other Virginia cities?

Car insurance rates in Virginia Beach are most likely higher than other cities in Virginia due to its high population compared to other Virginia cities and its proximity to the coast. Areas close to the beach tend to attract more residents and more drivers, meaning a higher likelihood of accidents.

How much car insurance do I need in Virginia Beach?

Virginia allows drivers to pay a $500 fee to the DMV to drive uninsured. If you choose to be insured, the minimum liability requirements that include $25,000 per person and $50,000 per accident in bodily injury liability, and $20,000 in property damage liability.

Can I afford car insurance if I have bad credit?

If you have bad credit you can expect to pay more for car insurance than someone with good credit, but there are options available to those with bad credit. The key is to shop around. Compare rates from different companies and consider all possible discounts.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.