Cheapest car insurance quotes in Virginia Beach
On average, auto insurance in Virginia Beach costs about $102 per month for minimum coverage liability insurance and about $124 per month for full coverage insurance. Virginia Beach drivers pay 10% less rates than the average.
With dozens of popular insurance companies to choose from, finding the best rate can be tricky. The easiest way to find affordable rates without compromising coverage is to shop around and compare car insurance quotes.
Many Virginia Beach drivers have found affordable coverage with help from the Jerry Insurance Agency, which aggregates quotes to help drivers pick the best policy. Below are some of the cheapest car insurance quotes Jerry found for our Virginia Beach customers.
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Progressive | $120 | 50 | 23457 | Ford Expedition Eddie Bau | 50/100 | Yes |
| Electric | $201 | 65 | 23452 | Infiniti Qx60 | 30/60 | Yes |
| Progressive | $135 | 32 | 23453 | Ford F-150 | 30/60 | No |
| National General | $208 | 53 | 23464 | Bmw 328I | 50/100 | Yes |
| National General | $84 | 49 | 23452 | Hyundai Elantra Sel | 30/60 | No |
Best car insurance companies in Virginia Beach
Here’s a reality check: there’s no one insurance company that guarantees the best car insurance (and lowest rate) for every single driver. Every Virginia Beach driver is unique, and so are their premiums.
To find the best rates, you need to compare quotes from many auto insurance companies. Your personal driver profile and your coverage needs will determine which company is best for you.
To help Virginia Beach drivers better compare the cheapest car insurance companies, Jerry conducted a major insurance survey. The data reveals that State Farm and USAA tend to offer the lowest premiums in Virginia Beach, but you may not be eligible for the best of these rates. The most common insurance companies in Virginia Beach are State Farm, USAA, Progressive, Allstate, and Nationwide, but only State Farm’s rates are lower than the Virginia state average.
Here’s a look at some real reviews from Virginia Beach drivers about their insurance companies.
The table below shows how drivers in Virginia Beach rate different companies on a scale of 0 to 5.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.2 | 3.7 | 3.7 | 4.3 |
| Liberty Mutual | 4.2 | 3.6 | N/A | 4.8 |
| Geico | 4.1 | 3.3 | 4.4 | 4.2 |
| State Farm | 4 | 3.5 | 4 | 3.9 |
| Allstate | 3.9 | 4.2 | N/A | 4.1 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Virginia Beach
Virginia laws require all Virginia Beach drivers to carry minimum liability insurance of 30/60/20, including property damage liability and bodily injury liability coverage.
Drivers must also carry uninsured motorist coverage to at least the same limits.
Cheap minimum liability insurance quotes in Virginia Beach
Let’s break down the minimum required liability coverage for Virginia Beach drivers:
- $30,000 per person of bodily injury liability coverage
- $60,000 per accident of bodily injury liability coverage
- $20,000 per accident of property damage liability
But that’s not all—just over 10% of Virginia drivers are uninsured. That’s why Virginia also requires uninsured motorist (UM) coverage for all Virginia Beach drivers.
UM coverage must include the same levels of protection as liability coverage. Underinsured coverage is similar, but it kicks in when the person doesn’t have enough coverage.
Virginia is an at-fault state. If you get into an accident in Virginia Beach with a driver who does not have insurance, you’ll have no recourse for damages with liability-only coverage. But with UM coverage, you’re safe.
Here are the required coverage levels for UM in Virginia Beach:
- $30,000 in uninsured motorist bodily injury per person
- $60,000 in uninsured motorist bodily injury per accident
- $20,000 in uninsured motorist property damage per accident
Under the Virginia state code, no Virginia Beach driver is exempt from these requirements.
Do you need more than minimum coverage in Virginia Beach?
You won’t be breaking any laws if you stick with the minimums, but many Virginia Beach drivers prefer higher limits to get more protection in the event of a serious car accident.
Consider the costs after a major crash. From medical expenses to car replacement fees, you could be sued for hundreds of thousands of dollars if you cause a crash. Virginia’s minimum coverage may not cover all these fees—which means you’d be on the hook.
It’s smart to get as much liability coverage as you can afford, and the extra protection may not cost you as much as you think. Check out some sample rates below.
The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—or get full coverage on your car.
Cheap full coverage car insurance quotes in Virginia Beach
Did you know that liability coverage only protects other people? Full coverage in Virginia Beach is the only way to protect yourself and your car, whether from storm damage or traffic accidents.
A full coverage policy includes comprehensive and collision coverage.
Collision coverage: If your car is damaged in a collision, this coverage will pay for repairs.
Comprehensive coverage: If you suffer non-collision damage—like theft, storm damage, or vandalism—this coverage will kick in.
A lender can require you to carry full coverage on a financed vehicle. That’s because they want to protect their investment while it’s being paid off. Make sure you consult with your lender before selecting an insurance policy in Virginia Beach.
Here’s a breakdown of Virginia Beach full coverage car insurance costs.
|
Liability Limits
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
|---|---|---|---|---|---|---|
| 50/100 | Yes | Progressive | $120 | 50 | 23457 | Ford Expedition Eddie Bau |
| 30/60 | Yes | Electric | $201 | 65 | 23452 | Infiniti Qx60 |
| 30/60 | No | Progressive | $135 | 32 | 23453 | Ford F-150 |
| 50/100 | Yes | National General | $208 | 53 | 23464 | Bmw 328I |
| 30/60 | No | National General | $84 | 49 | 23452 | Hyundai Elantra Sel |
The easiest and fastest way to find the cheapest car insurance in for your preferred coverage option is to compare car insurance rates online.
Jerry, a top insurance agency, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Average cost of car insurance in Virginia Beach
In helping hundreds of Virginia Beach drivers find cheaper rates, we found the average cost for minimum liability coverage to be $102 per month or $1,224 per year.
The average cost for full coverage insurance in Virginia Beach is $124 per month or $1,488 per year.
Don’t jump to any conclusions! These are average rates, but you’re probably not the average Virginia Beach driver. You might have a better driving history—or maybe a few tickets on your record. Your unique driver profile will be the source of your unique rate.
Average cost of car insurance in Virginia Beach by zip code
Zip code is a key indicator of risk. In some zip codes within Virginia Beach, there’s a higher incidence of auto theft claims. In other areas, the rate of traffic accidents is higher. That’s why your zip code plays a key role in determining your rate.
If you live in a “high risk” zip code in Virginia Beach that’s extra prone to accidents that could trigger a claim, you’ll be charged more for coverage.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
| 23451 | $119 | $175 |
| 23452 | $34 | $172 |
| 23453 | $46 | $161 |
| 23454 | $94 | $136 |
| 23455 | $43 | $133 |
| 23456 | $56 | $117 |
| 23462 | $102 | $148 |
| 23464 | $42 | $106 |
Car insurance quotes in Virginia Beach by rating factors
Insurance companies in Virginia Beach use many rating factors when deciding your auto insurance premium:
- Your driving record and claims history: A pattern of traffic violations and accidents signals that you’re likely to get into more trouble—and you’ll pay more for coverage.
- Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience.
- Your credit score: If you have good credit (over 750), you’ll get the cheapest rates. Drivers with bad credit pay a lot more for coverage.
- The kind of car you have: Luxury and sports cars come with higher insurance price tags.
- Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
- How you use your car: More frequent usage means higher insurance rates, due to the increase in risk.
Cheap car insurance quotes in Virginia Beach after driving violations
Driving violations in Virginia Beach not only carry fines and legal penalties, but they can drive up the cost of insurance, too. If you have a long list of violations on your record, you’ll be tagged a high-risk driver. You can still find coverage, but your policy will cost more than the average Virginia Beach driver’s.
Cheapest car insurance in Virginia Beach after speeding ticket
Break the speed limits in Virginia Beach and you’ll be penalized according to how high over the speed limit you were traveling. The speeding fines in Virginia increase by mile increments, not to mention the extremely high fines for reckless driving.
But speeding tickets also matter a lot when it comes to insurance rates for Virginia Beach drivers.
To find affordable coverage with a speeding ticket on your record, turn to Jerry—here’s how we helped other Virginia Beach drivers in your position.
|
Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Speeding 16-20 | Electric | $451 | 26 | 23455 | Honda Civic Lx | 30/60 | Yes |
| Speeding 16-20 | Trexis | $549 | 24 | 23464 | Honda Accord Ex | 30/60 | Yes |
| Speeding 6-10 | National General | $125 | 67 | 23452 | Ford Escape Xlt | 30/60 | No |
| Speeding 16-20 | Progressive | $264 | 27 | 23454 | Ford Mustang | 30/60 | Yes |
| Speeding 16-20 | National General | $103 | 46 | 23462 | Dodge Grand Caravan Sxt | 30/60 | No |
Cheapest car insurance in Virginia Beach after DUI
Virginia considers all intoxicated violations to be DWIs—and the state has strict laws with serious penalties. Any DUI conviction in Virginia Beach will cause your insurance rates to skyrocket, and some companies might refuse to cover you.
Cheapest car insurance in Virginia Beach after an at-fault accident
The truth is that causing an accident is a clear sign to insurance providers that you’re a risky driver. But it’s also true that you can still shop around to find a good rate—and Jerry can help.
Here are some sample insurance rates for Virginia Beach drivers who have at-fault accidents on record.
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Accident type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| At Fault With No Injury | Progressive | $120 | 50 | 23457 | Ford Expedition Eddie Bau | 50/100 | Yes |
| Not At Fault | Progressive | $135 | 32 | 23453 | Ford F-150 | 30/60 | No |
| Not At Fault | National General | $84 | 49 | 23452 | Hyundai Elantra Sel | 30/60 | No |
| Not At Fault | Progressive | $297 | 35 | 23452 | Honda Passport Exl | 50/100 | Yes |
| At Fault With No Injury | Progressive | $296 | 26 | 23452 | Nissan Sentra S | 50/100 | Yes |
Cheapest car insurance in Virginia Beach after other driving violations
Breaking even one of the traffic laws in Virginia Beach could have a negative impact on your rates. Yes, even following too closely behind another vehicle could go on your record.
Check out this list of common traffic violations in Virginia Beach, and see how they affect car insurance rates.
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Violation
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Other Minor | Progressive | $296 | 26 | 23452 | Nissan Sentra S | 50/100 | Yes |
| Failure to Obey Signal | Electric | $212 | 26 | 23454 | Ford Focus Se | 30/60 | Yes |
| Operating Vehicle without Permission | Electric | $107 | 27 | 23453 | Nissan Sentra 2.0 | 30/60 | No |
| Improper Passing | Electric | $83 | 58 | 23453 | Ford Mustang | 30/60 | No |
| Improper Passing | Progressive | $156 | 71 | 23464 | Infiniti Qx80 | 30/60 | Yes |
Cheap car insurance quotes in Virginia Beach by age
Very old and very young drivers face higher than average rates in Virginia Beach. Older drivers face more risks in an accident, and younger drivers have less experience behind the wheel. If you’re younger than 25 or older than 75, expect to pay more for coverage in Virginia Beach.
Cheapest car insurance in Virginia Beach for young drivers
More specifically, teen drivers under the age of 19 or with a provisional license will pay the absolute highest rates for coverage. This is one reason why we recommend full coverage for any young driver, especially if they’re driving a newer vehicle.
Cheapest car insurance in Virginia Beach for senior drivers
Golden years come with golden price tags, unfortunately. Senior drivers are more vulnerable to serious injury in a car accident, which is why car insurance companies charge them more for coverage.
Cheap car insurance quotes in Virginia Beach based on insurance history
If you don’t maintain car insurance coverage consistently, the companies will see a lapse in coverage on your record. That’s a big red flag, and gaps in coverage usually trigger an increase in your premium.
Jerry customers benefit from regular reminders to avoid lapses in coverage.
Cheap car insurance quotes in Virginia Beach for drivers with poor credit
While credit has nothing to do with your driving habits, data shows that people with poor credit tend to file more insurance claims. So if your credit score is under 600, you can expect to be charged a higher rate for coverage in Virginia Beach.
|
Credit Score
|
Insurance Company
|
Monthly Quote
|
Age
|
Zip Code
|
Car Make Model Trim
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| <550 | Progressive | $120 | 50 | 23457 | Ford Expedition Eddie Bau | 50/100 | Yes |
| 660-750 | Electric | $201 | 65 | 23452 | Infiniti Qx60 | 30/60 | Yes |
| 550-659 | Progressive | $135 | 32 | 23453 | Ford F-150 | 30/60 | No |
| 660-750 | National General | $208 | 53 | 23464 | Bmw 328I | 50/100 | Yes |
| 550-659 | National General | $84 | 49 | 23452 | Hyundai Elantra Sel | 30/60 | No |
Cheap car insurance quotes in Virginia Beach for popular cars
The car you drive has a big influence on how much you pay for coverage in Virginia Beach. A souped up Range Rover should cost more to insure than a practical Camry, right?
Here are some of the most popular cars in Virginia Beach:
- Honda CR-V
- Ford F-150
- Toyota RAV4
- Honda Civic
- Honda Accord
Learn more: How to get car insurance before buying a car
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Ford F-150 | Progressive | $135 | 32 | 23453 | 30/60 | No |
| Honda Civic Lx | Progressive | $168 | 23 | 23451 | 30/60 | Yes |
| Honda Civic Lx | Electric | $451 | 26 | 23455 | 30/60 | Yes |
| Honda Accord Lx | The General | $335 | 39 | 23452 | 30/60 | Yes |
| Honda Accord Ex | Trexis | $549 | 24 | 23464 | 30/60 | Yes |
Cheapest car insurance in Virginia Beach for new vs. old car
Newer cars cost more to insure, in general. If you drive a car older than 10 years old, you can save a ton of money on insurance in Virginia Beach. But if you’re determined to drive a brand new car, expect top-notch premiums.
Our data revealed that the average insurance cost for a car older than 10 years is $98 per month. The average cost for insuring a car less than four years old goes up to $113 per month.
How to lower car insurance costs in Virginia Beach
1.Shop around and compare quotes
Every insurance company operates by a unique set of rules to determine your premium, and these rules are in a constant state of flux. Seasoned experts recommend comparing quotes from a minimum of three companies to find the lowest rate. They also say you should shop around every six months.
Jerry is an insurance comparison app that makes the mind-numbing shopping process a breeze. In 45 seconds, Jerry taps into a vast pool of over 55 top-tier insurance providers.
2. Hunt for car insurance discounts
Every insurance company offers a set of discounts, but the exact discount offered varies by company. Some common discounts include:
- Good driver discounts. Drive safely, avoid at-fault accidents, and don’t get any points on your license. If you do this, you could unlock a safe driver discount.
- Telematics discounts. Telematics programs track your driving habits and reward good behavior. You can usually get a discount just for signing up!
- Good student discounts. Full-time high school and college students can usually qualify for a discount by earning at least a B average.
- Bundling discounts. Bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
Why is car insurance in Virginia Beach so expensive?
Virginia car insurance is pretty affordable, compared to the national rate. However, premiums could be on the rise due to these factors:
- Cost of car parts
- Traffic accident rates
- Rising medical costs
- Natural disasters
Learn more: 11 ways to lower car insurance
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Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
