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Virginia Beach Car Insurance

How much does car insurance cost in Virginia Beach, VA? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Virginia Beach?

Virginia Beach is a coastal city located in southeastern Virginia. Here, you'll find a three-mile boardwalk along the shore peppered with restaurants and paths for bicycling, rollerblading and walking. The boardwalk is also a great place to hear summer concerts with four oceanfront stages. Ready for some history? First Landing State Park commemorates the arrival of the Jamestown colonists from England in 1607. For a closeup look at ocean life, there is the Virginia Aquarium and Marine Science Center with its rays, sharks and sea turtles. False Cape State Park with its 4,321 acres is a good place to go for hiking and bicycling. And to cut loose in the water, there is Ocean Breeze Waterpark with its water slides and tubing. While there are several buses that travel around town, it is nice to drive your own car in Virginia Beach. To find the cheapest auto insurance rates, SmartFinancial can help with over 200 partnering insurance companies. All you need to do is enter your zip code to begin.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Virginia has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Virginia Beach typically pay around $94.59 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
Virginia $89.84
Virginia Beach, Virginia $94.59

Virginia Beach, VA Best Car Insurance Companies

car insurance in Virginia Beach

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Clearcover generally has the most affordable car insurance in Virginia Beach coming in around $67.42 per month. Other companies to consider if you live in Virginia Beach is USAA with an average cost of $82.94 per month and Mercury Insurance which typically runs around $87.21 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Virginia Beach.

RankCompanyAverage Monthly RateComparison State Average
1 Clearcover $67.42-24.96%
2 USAA $82.94-7.68%
3 Mercury Insurance $87.21-2.92%
4 State Farm $87.80-2.27%
5 Erie $88.50-1.50%
6 Utica National Ins Group $89.04-0.89%
7 Virginia Farm Bureau $89.79-0.06%
8 Penn National $96.677.60%
9 Safeco $97.718.75%
10 Auto-Owners Insurance Co $105.9917.97%

How Much is Car Insurance in Virginia Beach, VA?

how much is auto insurance in Virginia Beach

Rates can vary from city to city. The residents of Alexandria typically pay $103.82 per month while people who live in Arlington will pay $93.73 per month on average. See what people pay for car insurance in other cities in Virginia.

Virginia CitiesMonthly Average Rate
Alexandria $103.82
Arlington $93.73
Norfolk $104.90
Richmond $99.90
Roanoke $74.22
Virginia Beach $93.82

Cheap Car Insurance in Virginia Beach by Zip Codes

find cheap auto insurance in Virginia Beach

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Virginia. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Virginia Beach, VA ZIP CodeAverage Monthly Rate
23450$83.87
23451$106.36
23452$87.54
23453$83.95
23454$90.41
23455$95.39
23456$96.87
23457$71.27
23459$194.60
23460$154.87
23461$211.35
23462$96.02
23464$85.17
23465$92.24
23466$483.33

Car Insurance Rates by Driver's Age Group in Virginia Beach

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $225.74 per month in Virginia Beach. Compare that to drivers in their 30’s who typically pay around $76.80 per month drivers in their 40s at $71.12 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$225.74
20s$126.00
30s$76.80
40s$71.12
50s$57.99
60s$62.51
70+$82.55

Cheapest Insurance for Teenage Drivers in Virginia Beach

If you are teen in Virginia Beach you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Utica National Ins Group typically charges around $96.03 per month. This is likely the most affordable option in Virginia Beach. You might also want to consider Virginia Farm Bureau and Erie who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Utica National Ins Group$96.03
Virginia Farm Bureau$149.42
Erie$167.32
USAA$172.47
State Farm$188.74

Cheapest Insurance for 20 Year-olds in Virginia Beach

20 year-olds in Virginia Beach might want to consider Clearcover who, on average, offers car insurance rates around $91.39 per month. Utica National Ins Group , USAA , Virginia Farm Bureau and Mercury Insurance are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Clearcover$91.39
Utica National Ins Group$96.01
USAA$102.17
Virginia Farm Bureau$107.25
Mercury Insurance$107.67

Cheapest Insurance for 30 Year-olds in Virginia Beach

If you are in your 30s in Virginia Beach our research has found that Safeco typically has the most affordable coverage coming in around $62.08 per month, followed by Mercury Insurance at $65.17 and Clearcover at $75.60.

CompanyAverage Monthly Rate
Safeco$62.08
Mercury Insurance$65.17
Clearcover$75.60
Virginia Farm Bureau$75.76
USAA$77.34

Cheapest Insurance for 40 Year-olds in Virginia Beach

On average, Clearcover offers car insurance for 40 year-olds in Virginia Beach for around $63.38 per month. If you are looking for affordable coverage, you may also want to consider Safeco or USAA. The full list of top companies is below.

CompanyAverage Monthly Rate
Clearcover$63.38
Safeco$64.18
USAA$68.62
Erie$70.08
Mercury Insurance$70.67

Cheapest Insurance for 50 Year-olds in Virginia Beach

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Virginia Beach we found that Clearcover generally offers the most affordable coverage at $52.98 per month.

CompanyAverage Monthly Rate
Clearcover$52.98
USAA$58.31
State Farm$63.62
Penn National$63.97
Erie$67.31

Cheapest Insurance for 60 Year-olds in Virginia Beach

If you live in Virginia Beach and you’re in your 60s, our data indicates that Clearcover usually has the best rates at $54.54 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Clearcover$54.54
USAA$61.87
State Farm$67.00
ALFA$71.21
Penn National$71.50

Driver's Coverage Auto Insurance Rates in Virginia Beach, VA

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Virginia Beach, the average monthly rate for a driver who is currently insured is $73.88 while drivers who are not currently covered will pay around $111.73.

CoverageAverage Monthly Rate
Not Currently Insured $111.73
Currently Insured $73.88

Compare Recent Car Insurance Quotes in Virginia Beach

auto insurance quotes in Virginia Beach city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Virginia Beach a driver of a 2018 Chrysler 300 can expect to pay around $71.92 per month while someone that owns a 2021 Lexus Rx may pay around $127.95 per month. Check out the list of recent quotes in Virginia Beach below.

VehicleAverage Monthly Rate
2018 Chrysler 300$71.92
2021 Lexus Rx$127.95
2006 Cadillac Escalade$39.29
2018 Nissan Altima$59.35
2013 Jeep Compass$101.81
2002 Toyota Rav4$112.18
2007 Acura Tl$84.59
2017 Honda Civic$79.59
2007 Jeep Liberty$47.19
2003 Honda Accord$71.23

FAQ's for Drivers in Virginia Beach, VA

driver’s frequently asked question in Virginia Beach

Virginia Beach Auto Insurance Requirements

You are required to have auto liability insurance coverage in Virginia Beach.

What Is the Minimum Amount of Liability Coverage Requirement in Virginia Beach?

  • $25,000 bodily injury liability coverage per person
  • $50,000 bodily injury liability coverage per accident
  • $20,000 property damage

What Is the Blood Alcohol Concentration (BAC) Limit in Virginia Beach?

The legal blood alcohol content (BAC) level limit is .08% in Virginia. If you have a BAC level of .08% or higher and you are driving a vehicle, you could be convicted of a DUI. In Virginia, you face a fine up to $2,500, jail time up to one year, at least one year suspension of your driver's license and alcohol education classes.

You will see your auto insurance rates go up once you have a DUI conviction on your driving record. How much your rates will increase depends on your insurance company. Some companies charge more for DUI convictions than others. SmartFinancial can help you find car insurance companies that charge lower rates for DUI convictions.

Can I Register My Car Without Insurance in Virginia?

You need to have liability insurance coverage to register a car in the state of Virginia. Your insurance coverage and vehicle registration are important items that you must keep up-to-date. This is true even if you do not use the car. The insurance must be issued by an insurance company authorized by the Virginia Department of Insurance and certified by the Virginia State DMV. Your auto insurance policy must be issued in the name of the vehicle registrant.

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Commute Time in Virginia Beach, VA

23.7 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Virginia Beach, VA

143

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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