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Key Takeaways

  • The average car insurance rate for Virginia Beach is $1047 less than the national average.
  • Apart from USAA, Progressive and Erie offer the cheapest insurance rates.
  • Poor credit scores, being a high-risk driver according to your age can result in higher car insurance rates.

Introduction

The largest city in Virginia not only welcomes you with its iconic broad walk but also with its heavy traffic, adverse weather conditions, and thus higher car maintenance costs.

However, if you are a resident of the city, then insuring your car is mandatory like in any other state.

Given the varying cost of insurance, taking steps to get the best deals on auto insurance in Virginia Beach could result in significant savings.

How much will auto insurance in Virginia Beach cost? How can you find affordable vehicle insurance in the city? Your questions about auto insurance in Virginia Beach will be addressed here.

How much does car insurance cost in Virginia Beach?

The average insurance cost in Virginia Beach is slightly higher than the state average. But the national average is higher, making Virginia Beach insurance rates slightly affordable.

Virginia Beach Average Virginia Average National Average
$1047 $1011 $1557

Virginia Beach Auto Insurance Premiums by Company

It is essential to get estimates from different insurance companies when you are preparing to buy a new one or renew an existing one because they will enable you to understand the general trends and the savings offered by each company.

The cheapest insurance prices in Virginia Beach can be obtained from numerous local and national insurance providers, with the exception of USAA, which offers insurance to active-duty and retired military personnel.

Companies like Erie, State Farm, Nationwide, Progressive, and USAA provide the best rates in Virginia Beach.

Insurance Company Average Yearly Rate
Erie $935
Statefarm $991
Nationwide $1127
Progressive $939
USAA $895

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Virginia Beach Auto Insurance Premiums by Age Group

A significant non-driving factor that affects insurance rates is age. The main reason for this is that statistics show that accidents involving younger drivers are more common.

In Virginia Beach, young drivers who fall under the high-risk category pay the highest rates while those over the age of 40 pay the lowest.

Age Bracket Average Yearly Rate
Teenagers $3990
20s $1442
30s $1024
40s $977
50s $899
60s $943

Virginia Beach Auto Insurance Premiums by Marital Status

Your marital status is another non-driving factor that could affect the cost of your auto insurance. Virginia Beach drivers who are single and those who are married pay nearly the same amounts for auto insurance. A widowed or divorced driver, though, pays slightly more.

Marital Status Average Yearly Rate
Married $918
Single $918
Divorced $1047
Widowed $920

Virginia Beach Auto Insurance Premiums by Gender

In addition to age, gender is a significant non-driving factor that affects insurance rates regardless of location or driving history. In Virginia Beach, the average yearly rate for female drivers is often slightly higher than that of male drivers.

Gender Average Yearly Rate
Female $1051
Male $1047

Virginia Beach Auto Insurance Premiums by Driving Record

If your age does not categorize you as a high-risk driver, keeping a spotless driving record is an effective way to reduce your premium rates.

DUI accusations, speeding tickets, and accidents where you were at fault could result in an increase in your insurance rates.

Driving Violation/Incident Average Yearly Rate
At-fault Accidents Damages <$1000 Damages >$2000
$1461 $1644
DUI/DWI $1621
Reckless Driving $1469
Speeding Tickets $1303

Virginia Beach Auto Insurance Premiums by Credit Rating

Credit or FICO scores play an important role in determining your insurance premium rates. In Virginia, having a good credit score can reduce the insurance rates by fifty-seven percent.

Credit Tier Average Rate
Exceptional $893
Very Good $953
Good $1047
Fair $1236
Very Poor $2047

Virginia Beach Auto Insurance Premiums by Zip Code

Any insurance company would consider your place of residence to calculate the premium rates. This is primarily because it is dependent on the crash rates, uninsured motorists, and thefts. However, in Virginia Beach city, the insurance rates don’t fluctuate much with the neighborhood.

The expensive ZIP codes of the city would be 23462, 23454, 23453, 23451, 23457, while 23464, 23455, 23456, 23459, and 23452 are the areas with cheaper ZIP codes.

What would increase your car insurance rates in Virginia Beach?

Apart from the obvious driving and non-driving factors that influence the insurance premium rates, there are several other determinants for the spike in insurance rates in the city.

Virginia Beach Auto Theft Statistics

At 16 crimes per 1,000 persons, Virginia Beach's crime rate is not among the highest in the country, but it is significantly higher than the average for all American cities. For its size, Virginia Beach has one of the lowest crime rates in the country.

This proves that Virginia Beach is among the safest cities in the country. The city average for property crimes is slightly higher than the state average, which explains the reason for the higher insurance rates of the city when compared to the state.

Virginia Beach Accident Statistics

However, the size of the city makes it highly prone to accidents. In Virginia Beach, 82.1% drive their own cars. The higher the number of cars on the road, the greater the chances of accidents. In 2020, Virginia Beach City saw 419 catastrophic accidents. Additionally, there were only 13 injuries from accidents.

Be Prepared for Driving in Virginia Beach

Restrict the Use of Mobile Phones

Virginia bans hand-held and hands-free cell phone use while driving. The car must be lawfully parked or stopped for you to use a cell phone or other devices.

Watch Your Speed

Always drive at the mentioned speed limit. If you speed in a work zone, then the fine can go up to $500.

Move Over Law

According to Virginia law, when approaching a stationary vehicle that is flashing, blinking, or alternately flashing blue, red, or amber lights, drivers must proceed with caution and, if reasonable, with due regard for safety and traffic conditions, yield the right of way by making a lane change into a lane designated for traffic proceeding as the approaching vehicle.

The "Move Over" rule carries a traffic infraction penalty for even one offence. Repeat offenses could result in a Class 1 misdemeanor charge.

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Be Weather Ready

Rainy conditions, sloppy roads, wet brakes, and reduced visibility contribute to more than 700,000 automobile accidents every year. Virginia Beach is known for thunderstorms and sporadic hurricanes.

Average Annual Rainfall Average Annual Snowfall Rainy Days Sunny Days
47 in. 6 in. 108.3 days 115 days

Best Car Insurance Companies in Virginia Beach

These are the best insurance companies in Virginia Beach, Virginia.

Insurance Company
Erie
Statefarm
Nationwide
Progressive
USAA

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

Is car insurance high in Virginia Beach?

Car insurance in Virginia is higher than the state average but lower than the national average. A low-risk driver pays $1047 annually for full coverage.

How to get the cheapest car insurance in Virginia Beach?

Shopping around for quotes from the available providers allows you to compare the rates and zero on the provider that suits you the best. The major providers that give cheap car insurance in Virginia Beach include Erie, Statefarm, Nationwide, and USAA.

How much does car insurance cost in Virginia Beach, VA?

The average car insurance in Virginia Beach is $1047 annually.

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Learn more by city and state for car insurance




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