Cheapest Auto Insurance in Virginia Beach, Virginia (2024)
Auto-Owners offers the cheapest liability coverage in Virginia Beach, starting at $35 per month.
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Written byBob Phillips
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated November 21, 2024
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Table of contents
The coastal city of Virginia Beach, located where the Chesapeake Bay meets the Atlantic Ocean, offers a rich history, culinary scene, and family-friendly attractions for locals and tourists alike.
Even though Virginia is affected by tropical weather, Virginia Beach drivers pay about the same amount for car insurance than the rest of the state, on average. The overall average cost of car insurance in Virginia Beach is $145 per month, and the state overall average is $142 per month. Comparing quotes and making efforts to reduce your risk to insurers can save you even more on your monthly premium.
Here’s how to get the best coverage at the most affordable rates in Virginia Beach.
Quick Facts
The average cost of car insurance in Virginia Beach is $106 per month for liability coverage and $184 per month for full coverage.
Auto-Owners is the cheapest car insurance company in Virginia Beach for full coverage, with a monthly rate of $64.
Minimum car insurance requirements in Virginia are increasing for policies created on or after Jan. 1, 2025.[1]
3 of the cheapest car insurance companies in Virginia Beach
The car insurance quotes you receive from insurance companies are based on many rating factors, including your age, vehicle, driving record, coverage limits, deductible, and credit history. This means the best car insurance company for you may not be the best one for someone else.
Below are three of the top insurers in Virginia Beach to get you started in your search.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $62 | $34 | Low rates |
| State Farm | 9.3 | $64 | $35 | Customer service |
| USAA | 9.4 | $86 | $47 | Military members |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for low rates: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $35/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $64/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners offers the cheapest liability-only and full-coverage rates in Virginia Beach. A Fortune 500 company, Auto-Owners also has an A++ (Superior) financial strength rating from AM Best. Auto-Owners is a mutual insurance company that operates in 26 states and also offers home, life, and business insurance through its distribution network of local independent agents.
Pros
Offers some of the lowest rates in Virginia Beach for both liability-only and full-coverage insurance
Several discounts and coverage options
Cons
Only available in 26 states
Digital tools lag behind some competitors
Best insurer for customer service: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $35/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $65/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
With competitive rates and excellent customer service, State Farm presents a reliable option you can count on. The largest U.S. auto insurer by market share, State Farm's customer service has consistently ranked among the top in the industry.
Pros
Ranked higher than the industry average in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study
Rideshare insurance available
Cons
Gap insurance not available
Accident forgiveness only available to long-time customers
Best insurer for military members: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $47/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $88/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Whether you’re an active-duty or reserve military personnel, a veteran, or an immediate family member, USAA offers exclusive benefits and discounts, specialized coverages, and user-friendly digital tools. Eligible members can save money with good driver, bundling, and loyalty discounts, as well as through the company’s safe driving telematics program, USAA SafePilot.
Pros
Affordable premiums
Ranked higher than the industry average for all regions in the J.D. Power 2024 U.S. Auto Insurance Study
Cons
Coverage restricted to members of the military community
No 24/7 phone support
How to get the cheapest car insurance in Virginia Beach
Factors such as your age, driving record, type of vehicle, and coverage options can all play a role in determining your car insurance rate. But whether you’re a new driver or looking to switch companies, you can save by applying the following strategies:
Consider higher deductibles. Opting for a higher collision and comprehensive deductible can lower your premiums, but you’ll pay more out of pocket if you need to file a claim.
Maintain a clean driving record. Avoid accidents and traffic violations that can lead to higher premiums by practicing safe driving habits.
Look for discounts. Take advantage of common discounts — such as good driver, multi-vehicle, or safety feature discounts — to reduce your insurance costs.
Bundle your policies. Bundling your car insurance with other policies, such as homeowners insurance or renters insurance, can often lead to additional discounts and overall savings.
Compare quotes. You can find the most competitive rates and coverage options by comparing quotes from different insurers.
Shop for Car Insurance in Virginia Beach
Liability rates start as low as $35 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Virginia Beach: Auto-Owners
Virginia was one of two states that let drivers prove they can financially cover damages from an at-fault accident instead of buying car insurance. Starting July 1, 2024, drivers must purchase minimum liability car insurance.
It’s important to remember that property damage and bodily injury liability coverage with a liability-only policy only pays for the other driver’s vehicle and property damage and injuries. It doesn’t cover repair costs for your vehicle or any of your medical bills due to an accident you cause.
Virginia Beach drivers pay an average of $106 per month for liability coverage, but here’s a list of the most affordable insurers in the city to start your search.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $35 |
| State Farm | $35 |
| GEICO | $47 |
| USAA | $47 |
| Chubb | $52 |
| Erie | $54 |
| Clearcover | $59 |
| Nationwide | $61 |
| Mercury | $63 |
| Allstate | $74 |
| Progressive | $82 |
| Direct Auto | $91 |
| Elephant | $93 |
| National General | $97 |
| CSAA | $109 |
| Safeco | $117 |
| Dairyland | $125 |
| Bristol West | $128 |
| AssuranceAmerica | $137 |
| Liberty Mutual | $157 |
| The General | $163 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Virginia Beach: Auto-Owners
If you’re looking for more robust insurance coverage, you may choose to purchase full-coverage insurance instead. And if you’re financing or leasing your car, your lender may require you to buy full-coverage insurance no matter what. While liability-only coverage takes care of the other driver, their passengers, and their vehicle, full coverage also protects your vehicle.
The average cost of full-coverage insurance in the city is $184 per month. Here’s a list of the most affordable full-coverage insurance options in Virginia Beach.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $64 |
| State Farm | $65 |
| GEICO | $88 |
| USAA | $88 |
| Chubb | $96 |
| Erie | $100 |
| Clearcover | $108 |
| Nationwide | $114 |
| Allstate | $137 |
| Mercury | $138 |
| Progressive | $150 |
| Elephant | $159 |
| CSAA | $166 |
| Direct Auto | $176 |
| National General | $188 |
| Safeco | $190 |
| Bristol West | $241 |
| Liberty Mutual | $243 |
| AssuranceAmerica | $260 |
| Dairyland | $287 |
| The General | $328 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Virginia Beach, Virginia
Drivers using Insurify have found quotes as cheap as $40/mo for liability only and $64/mo for full coverage in Virginia Beach and other Virginia cities.
*Quotes generated for Insurify users in and around Virginia Beach, Virginia within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Virginia Beach, Virginia within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Virginia
If you’re looking for liability-only coverage in Virginia, you’ll need coverage that meets the state’s minimum requirements:[1]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident |
| Property damage liability | $20,000 per accident |
Important Information
These limits will increase for policies effective on or after Jan. 1, 2025. The new requirements will be $50,000/$100,000 for bodily injury liability and $25,000 for property damage liability.
Virginia also requires insurers to include uninsured motorist coverage in all policies, but you can opt out of this coverage by notifying your insurance company in writing that you don't want it. These are just minimum requirements. Drivers can also purchase the following add-ons to boost their car insurance coverage:
Comprehensive coverage
Comprehensive coverage pays for vehicle repairs after non-collision incidents, such as severe weather damaging your car, theft, vandalism, and more.
Collision coverage
Collision coverage pays for car repairs after you hit a stationary object or another car, regardless of fault.
Gap coverage
Also called guaranteed asset protection, this pays the difference between your auto loan balance and insurance settlement in the event of a total loss.
Roadside assistance coverage
Roadside assistance helps cover the costs of towing, labor, and other services if your car breaks down.
Cheapest car insurance for drivers with an incident
Driving incidents include speeding tickets, at-fault accidents, and driving under the influence (DUI) convictions. If you have any of these incidents on your record, your rates are likely to increase for several years. Depending on the severity or frequency of such incidents, your insurer may drop you altogether.[2]
On the other hand, your insurer may lower your rates after a couple years if you’ve had no further incidents appear on your driving history. Not all incidents are judged the same, and insurance companies generally look at DUI incidents as more severe than at-fault accidents and speeding tickets.
Below, you’ll find a collection of the most affordable insurers in Virginia Beach if you have an incident on your record.
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Cheapest car insurance for drivers with a speeding ticket: State Farm
If a speeding ticket appears on your record, your insurer could raise your rates. Two or more speeding tickets in a three-year period, however, and you should expect your insurer to raise your rates. Drivers with speeding tickets on their records in Virginia Beach pay an average of $142 per month for liability insurance.
Here’s a look at the insurers offering the most affordable coverage for drivers with a speeding ticket in Virginia Beach.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $35 | $45 |
| State Farm | $35 | $44 |
| GEICO | $47 | $60 |
| USAA | $47 | $60 |
| Chubb | $52 | $67 |
| Erie | $54 | $70 |
| Clearcover | $59 | $75 |
| Nationwide | $61 | $78 |
| Mercury | $63 | $86 |
| Allstate | $74 | $94 |
| Progressive | $82 | $103 |
| Direct Auto | $91 | $116 |
| Elephant | $93 | $127 |
| National General | $97 | $124 |
| Travelers | $99 | $127 |
| CSAA | $109 | $141 |
| GAINSCO | $111 | $152 |
| Safeco | $117 | $151 |
| Dairyland | $125 | $159 |
| Bristol West | $128 | $164 |
| AssuranceAmerica | $137 | $174 |
| Liberty Mutual | $157 | $215 |
| The General | $163 | $211 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
An at-fault accident will almost always result in an insurance company bumping your rates up for three to five years. Some companies have accident-forgiveness programs that mean you won’t endure a rate increase after certain types of accidents or after you’ve been insured for a specific period without an accident claim.
Drivers in Virginia Beach with an at-fault accident on their records pay an average of $148 per month for liability coverage. Here are the cheapest companies after an accident.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $35 | $47 |
| State Farm | $35 | $46 |
| GEICO | $47 | $63 |
| USAA | $47 | $63 |
| Chubb | $52 | $70 |
| Erie | $54 | $74 |
| Clearcover | $59 | $85 |
| Nationwide | $61 | $82 |
| Mercury | $63 | $90 |
| Allstate | $74 | $99 |
| Progressive | $82 | $110 |
| Direct Auto | $91 | $124 |
| Elephant | $93 | $121 |
| National General | $97 | $129 |
| Travelers | $99 | $133 |
| CSAA | $109 | $151 |
| GAINSCO | $111 | $141 |
| Safeco | $117 | $155 |
| Dairyland | $125 | $165 |
| Bristol West | $128 | $170 |
| AssuranceAmerica | $137 | $178 |
| Liberty Mutual | $157 | $223 |
| The General | $163 | $221 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Insurance companies generally see a DUI as the most serious type of incident. Some insurers will raise your rates for a DUI on your record, others may cancel your coverage mid-term or refuse to renew your policy, and some may refuse to insure you when you apply for new coverage. Drivers with speeding tickets on their records in Virginia Beach pay an average of $169 per month for liability insurance.
Once the DUI is off your Virginia DMV report, you’ll likely see your car insurance rates drop.
The most affordable insurers in Virginia Beach for drivers with a DUI on their record are listed below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $35 | $57 |
| State Farm | $35 | $57 |
| GEICO | $47 | $76 |
| USAA | $47 | $76 |
| Chubb | $52 | $84 |
| Erie | $54 | $87 |
| Clearcover | $59 | $96 |
| Nationwide | $61 | $99 |
| Mercury | $63 | $94 |
| Allstate | $74 | $120 |
| Progressive | $82 | $133 |
| Direct Auto | $91 | $147 |
| Elephant | $93 | $151 |
| National General | $97 | $157 |
| Travelers | $99 | $160 |
| CSAA | $109 | $159 |
| GAINSCO | $111 | $180 |
| Safeco | $117 | $176 |
| Dairyland | $125 | $203 |
| Bristol West | $128 | $207 |
| AssuranceAmerica | $137 | $222 |
| Liberty Mutual | $157 | $254 |
| The General | $163 | $264 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
After enduring the high cost of car insurance in your teens, you enjoyed your rate dropping around age 25. Unfortunately, regardless of how good your driving record is, car insurance rates tend to start rising around age 70. Senior drivers in Virginia Beach pay an average of $84 per month for liability coverage and $145 per month for full coverage.
Car insurance rates are higher for seniors for a couple reasons. First, older drivers are statistically more likely to be involved in an accident than younger adult drivers.[3] Second, the injuries seniors suffer from car accidents are often more serious, which leads to expensive medical bills and higher costs for your insurer.[4]
But that doesn’t mean you can’t find affordable car insurance in Virginia Beach as a senior driver. Start with the companies below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $27 | $49 |
| State Farm | $27 | $49 |
| Chubb | $37 | $68 |
| GEICO | $37 | $68 |
| USAA | $37 | $69 |
| Erie | $40 | $75 |
| Nationwide | $44 | $83 |
| Mercury | $49 | $106 |
| Clearcover | $50 | $91 |
| Allstate | $58 | $107 |
| Progressive | $58 | $106 |
| Direct Auto | $69 | $134 |
| National General | $72 | $140 |
| Elephant | $74 | $127 |
| Travelers | $76 | $141 |
| CSAA | $81 | $124 |
| GAINSCO | $91 | $206 |
| Dairyland | $98 | $224 |
| Safeco | $98 | $159 |
| Bristol West | $100 | $189 |
| AssuranceAmerica | $101 | $192 |
| The General | $129 | $260 |
| Liberty Mutual | $129 | $199 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
Insurers typically charge teens the most for insurance. Teen drivers have the highest accident rates of any age group, and are more likely to engage in risky driving behaviors like texting while driving. Teens’ decision-making also isn’t always the best, and research shows alcohol is also a factor in many crashes involving teens.[5]
Teen drivers in Virginia Beach pay an average of $197 per month for liability coverage and $341 per month for full coverage.
But the good news is teen drivers have ways to save money on car insurance. They include staying on your parents’ car insurance, driving a safe car, and earning a good student discount. Other discounts available from insurers include good driver and accident-free discounts. It's important to know that teens younger than 18 can't legally get their own policies, unless they have written consent from a parent or guardian.
You can also save by selecting an affordable policy to begin, and you can review the average monthly quotes presented here.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $61 | $112 |
| State Farm | $63 | $117 |
| GEICO | $79 | $147 |
| USAA | $82 | $154 |
| Erie | $95 | $175 |
| Chubb | $104 | $191 |
| Nationwide | $111 | $208 |
| Clearcover | $113 | $207 |
| Mercury | $116 | $255 |
| Allstate | $138 | $255 |
| Progressive | $150 | $275 |
| Elephant | $158 | $270 |
| Direct Auto | $174 | $336 |
| CSAA | $183 | $279 |
| Travelers | $187 | $347 |
| National General | $199 | $385 |
| GAINSCO | $200 | $455 |
| Dairyland | $211 | $485 |
| Bristol West | $226 | $425 |
| Safeco | $234 | $381 |
| AssuranceAmerica | $262 | $498 |
| The General | $271 | $546 |
| Liberty Mutual | $282 | $436 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Virginia Beach car insurance quotes by credit tier
Insurers can use your credit history as a factor when determining your car insurance rates in the state of Virginia. This is important because insurers generally consider people with lower credit scores to be more likely to file a claim. As such, drivers with excellent or good credit typically pay significantly less than drivers with poor credit.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Virginia Beach?
Virginia Beach residents pay an average of $106 for liability-only coverage and $184 per month for full coverage. This is comparable to the averages of $101 and $184, respectively, across the state. Virginia residents also pay less for insurance than residents of Maryland, but their insurance prices are higher than those paid by drivers in neighboring West Virginia.
Part of the reason insurance costs could be higher in Virginia is the state’s higher cost of living and the risk presented by tropical weather systems that make landfall.
Other cities in Virginia
Here’s how Virginia Beach car insurance costs compare to other Virginia cities.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Alexandria | $208 | $119 |
| Arlington | $191 | $107 |
| Charlottesville | $158 | $86 |
| Chesapeake | $191 | $113 |
| Lynchburg | $161 | $90 |
| Norfolk | $208 | $122 |
| Richmond | $212 | $123 |
| Roanoke | $162 | $91 |
| Woodbridge | $218 | $124 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Virginia Beach car insurance FAQs
Finding the right level of auto coverage for an affordable price doesn’t have to feel overwhelming. The information below should answer your remaining questions and help you navigate the process of finding the best Virginia Beach insurer for you.
What are the best car insurance companies in Virginia Beach?
The best car insurance company in Virginia Beach is a close competition between several insurers. Auto-Owners offers the most affordable rates; but State Farm is right behind and has an Insurify Quality Score of 9.3 out of 5, compared to Auto-Owners’ score of 8.5. USAA is also a quality option in Virginia Beach, but its services are only available to members of the military and their families.
What are the cheapest car insurance companies in Virginia Beach?
Auto-Owners, State Farm, and GEICO are the cheapest liability car insurance companies in Virginia Beach, with rates starting at $35, $35, and $47 per month, respectively.
But the cheapest company for you depends on your coverage needs and budget. Compare rates from at least three different companies to find the one that offers you the best deal on coverage.
How much is car insurance in Virginia Beach?
The average cost of car insurance in Virginia Beach is $106 per month for liability coverage and $184 per month for full coverage.
Is it illegal to drive without car insurance in Virginia?
Virginia was one of two states (the other being New Hampshire) where you could disregard liability coverage if you prove you have the financial means necessary to cover your liability requirements on your own. But this requirement changed in 2024 and drivers must now purchase minimum coverage.
How much car insurance is required in Virginia?
If you’re carrying liability-only car insurance in Virginia, your insurance must meet the state’s minimum requirements. This includes bodily injury liability coverage amounting to $30,000 for injury or death of one person and $60,000 for injury or death of two or more people. Your policy must also include property damage liability protection of $20,000.
For policies renewed or created on or after Jan. 1, 2025, the requirements will be $50,000/$100,000 for bodily injury liability and $25,000 for property damage liability.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Virginia
Sources
- Virginia Department of Motor Vehicles. "Insurance Requirements."
- III. "What determines the price of an auto insurance policy?."
- IIHS. "Older drivers."
- Centers for Disease Prevention and Control. "Older Adult Drivers."
- IIHS. "Teenagers."
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