Virginia Beach drivers looking for the cheapest car insurance available should get and compare quotes from Virginia Farm Bureau and USAA. With an average annual rate of $437 for minimum coverage, Virginia Farm Bureau comes in much lower than the city average of $879 a year.
USAA members can also find affordable car insurance in Virginia Beach, with an average minimum-coverage rate of $517 a year. However, you’ll need to be a military member, veteran or eligible family member to purchase USAA car insurance.
In this article
Best car insurance companies in Virginia Beach
Virginia Farm Bureau and USAA offer the most affordable rates for many different driver profiles in Virginia Beach. USAA isn’t available to everyone — only current military members and veterans, and their eligible family members. But we included USAA in our analysis for the many drivers who are eligible for this typically low-cost coverage option.
Cheapest car insurance in Virginia Beach
Virginia Farm Bureau has the cheapest auto insurance rates for Virginia Beach drivers, charging an average rate of $36 per month and $437 per year for a minimum-coverage policy. Virginia Farm Bureau also offers full-coverage premiums of $73 per month and $880 annually.
Current and former members of the military, or eligible family members, can also find cheap car insurance rates in Virginia Beach from USAA. With USAA, the average premium for minimum-coverage car insurance is $43 per month and $517 annually. USAA offers full coverage at an average of $85 per month and $1,018 annually.
With the city average car insurance premium coming in at $73 a month, Virginia Farm Bureau and USAA offer big savings.
| Company | Annual rate | Monthly rate |
|---|---|---|
| Virginia Farm Bureau | $437 | $36 |
| USAA | $517 | $43 |
| State Farm | $605 | $50 |
| GEICO | $743 | $62 |
| Erie | $843 | $70 |
| Allstate | $864 | $72 |
| City Average | $879 | $73 |
| Nationwide | $1,066 | $89 |
| Progressive | $1,240 | $103 |
| Travelers | $1,591 | $133 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Taking out a minimum-coverage car insurance policy will help you meet Virginia Beach’s minimum car insurance requirements in the following categories: uninsured motorist, personal injury protection and liability coverage.
| Company | Annual rate | Monthly rate |
|---|---|---|
| Virginia Farm Bureau | $880 | $73 |
| USAA | $1,018 | $85 |
| State Farm | $1,029 | $86 |
| GEICO | $1,500 | $125 |
| Erie | $1,539 | $128 |
| City Average | $1,620 | $135 |
| Progressive | $1,711 | $143 |
| Allstate | $1,935 | $161 |
| Nationwide | $2,002 | $167 |
| Travelers | $2,965 | $247 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Note that full-coverage car insurance satisfies Virginia’s minimum-coverage requirements, plus collision and comprehensive insurance protection.
While there is no state law that requires full-coverage car insurance, auto lenders often require full coverage for the length of your auto loan. If you paid cash and don’t have a lender or lessor requiring full-coverage car insurance, it’s often wise to consider getting it anyway. When the car is new or expensive, repair costs could potentially put a strain on your budget in the unfortunate event of an accident.
Cheapest car insurance in Virginia Beach for drivers with an accident history
Drivers in Virginia Beach with one accident on their driving record can find the cheapest full-coverage car insurance rates with Virginia Farm Bureau and State Farm. Virginia Farm Bureau provides full coverage for an average monthly premium of $73 and average yearly premium of $880.
State Farm provides the next-most affordable option. Virginia Beach drivers with one accident on their record can expect to pay $1,237 yearly, or $103 monthly, on average with State Farm.
| Company | Annual rate | Monthly rate |
|---|---|---|
| Virginia Farm Bureau | $880 | $73 |
| State Farm | $1,237 | $103 |
| USAA | $1,514 | $126 |
| Nationwide | $2,002 | $167 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
According to the Virginia DMV, 118,498 auto accidents happened in 2021. These accidents can be costly, especially when it comes to auto insurance rates. Therefore, it’s important to price shop if you have an accident on your driving record. Virginia Beach drivers with one accident on their driving record can expect to pay an average monthly rate of $182 and an average yearly rate of $2,186.
Cheapest car insurance for drivers with a DUI in Virginia Beach
Virginia Farm Bureau and State Farm provide the cheapest car insurance for drivers with one DUI on their driving record. On average, Virginia Farm Bureau offers policies for a monthly premium of $91, or $1,094 yearly. State Farm drivers can expect to pay $94 monthly and $1,133 yearly, on average.
According to Virginia’s DMV, the city made 15,988 DUI convictions in 2021. Overall, Virginia Beach drivers with a DUI pay an average of $2,591 a year, or $216 a month, for full-coverage car insurance.
| Company | Annual rate | Monthly rate |
|---|---|---|
| Virginia Farm Bureau | $1,094 | $91 |
| State Farm | $1,133 | $94 |
| USAA | $1,912 | $159 |
| Progressive | $2,214 | $184 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
According to Virginia’s DMV, “Virginia requires drivers with DUI convictions to file a certification called an FR-44 Financial Responsibility Certification; as such, you'll have to carry coverage much higher than the usual policy requirement.”
The requirements above can make finding cheap car insurance difficult. Once you are able to carry regular car insurance again, it’s a good idea to shop around for the most affordable rate.
Compare rates from top insurance companies to get your best price
Cheapest car insurance for drivers with a speeding ticket in Virginia Beach
Virginia Farm Bureau and State Farm offer the best full-coverage car insurance rates for Virginia Beach drivers with one speeding ticket on their record. Virginia Farm Bureau is the cheapest option, with average annual premiums of $951, or $79 per month. State Farm comes in second, with average rates of $94 per month and $1,133 per year.
| Company | Annual rate | Monthly rate |
|---|---|---|
| Virginia Farm Bureau | $951 | $79 |
| State Farm | $1,133 | $94 |
| USAA | $1,247 | $104 |
| GEICO | $1,500 | $125 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
According to the Virginia DMV, there were 238,795 speeding convictions in 2021. Speeding tickets are common, but they can still cost you in the long run. Drivers in Virginia Beach with one speeding ticket pay an average of $155 per month — $1,860 per year — for car insurance coverage.
Cheapest car insurance for teen drivers in Virginia Beach
Teen drivers in Virginia Beach can find the cheapest car insurance with USAA and Allstate. USAA offers Virginia Beach teens coverage at an average of $113 per month and $1,361 per year for current and former military members (and qualifying family members). These rates may be available assuming the teen driver is 18 years old and has a clean driving record — no tickets, accidents or DUIs.
Teens in Virginia Beach without any military affiliation can find the cheapest car insurance with Allstate. Allstate offers an average monthly premium of $147 and $1,768 annually.
| Company | Annual rate | Monthly rate |
|---|---|---|
| USAA | $1,361 | $113 |
| Allstate | $1,768 | $147 |
| State Farm | $1,836 | $153 |
| Virginia Farm Bureau | $1,849 | $154 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Teenage drivers in Virginia Beach City pay an average of $221 per month and $2,647 yearly.
USAA and State Farm are the cheapest options available for teen drivers in Virginia Beach wanting full-coverage car insurance. USAA provides car insurance for an average of $222 per month and $2,667 yearly to those who are eligible.
State Farm is the next-best option available for teen drivers without military affiliation who want full-coverage auto insurance. This insurance provider offers these drivers an average premium of $267 per month or $3,208 yearly.
| Company | Annual rate | Monthly rate |
|---|---|---|
| USAA | $2,667 | $222 |
| State Farm | $3,208 | $267 |
| Erie | $3,529 | $294 |
| Virginia Farm Bureau | $3,889 | $324 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Teen drivers in Virginia Beach pay an average of $425 per month and $5,103 per year for full-coverage car insurance.
Cheapest car insurance for senior drivers in Virginia Beach
Virginia Farm Bureau and USAA offer the cheapest rates on minimum-coverage car insurance to seniors in Virginia Beach. Virginia Farm Bureau provides a monthly average of $30 and a yearly average of $363 — assuming the drivers have a clean driving record with no tickets, accidents or DUIs.
Senior drivers who are former and current military members, or qualifying family members, can find cheap rates with USAA, too. USAA provides 60-year-old drivers in Virginia Beach an average monthly premium of $41 and an annual average premium of $487 for minimum-coverage car insurance.
| Company | Annual rate | Monthly rate |
|---|---|---|
| Virginia Farm Bureau | $363 | $30 |
| USAA | $487 | $41 |
| State Farm | $578 | $48 |
| Erie | $780 | $65 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
On average, 60-year-old drivers in Virginia Beach pay $808 per year or $67 per month for minimum-coverage car insurance.
Senior drivers looking for competitive rates will find the cheapest full-coverage car insurance with Virginia Farm Bureau and USAA. Virginia Farm Bureau offers these drivers an average monthly premium of $60 or an average yearly premium of $721.
Those who are eligible might get the cheapest rates with USAA. Seniors drivers can find full-coverage USAA policies for an average monthly premium for $77 and an average yearly premium for $919.
| Company | Annual rate | Monthly rate |
|---|---|---|
| Virginia Farm Bureau | $721 | $60 |
| USAA | $919 | $77 |
| State Farm | $962 | $80 |
| Erie | $1,417 | $118 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
On average, 60-year-old drivers in Virginia Beach pay $120 per month and $1,435 per year for full-coverage car insurance coverage.
Get cheap car insurance in Virginia Beach
Virginia Beach car insurance requirements
Virginia state law has different minimum car insurance requirements depending on when you purchase your policy, with more changes coming in the future.
These are the current minimum-coverage car insurance requirements in Virginia (valid until Dec. 31, 2024):
- Bodily injury liability per person: $30,000
- Bodily injury liability per accident: $60,000
- Property damage: $20,000
In the past, the following requirements were in place. They still apply to policies purchased before Jan. 1, 2022.
- Bodily injury liability per person: $25,000
- Bodily injury liability per accident: $50,000
- Property damage: $20,000
Virginia’s minimum-coverage requirements will change again in the future. Policies effective on or after Jan. 1, 2025, will need to meet these requirements.
- Bodily injury liability per person: $50,000
- Bodily injury liability per accident: $100,000
- Property damage: $25,000
Sidenote: These are the Virginia minimum-coverage requirements for purchasing auto insurance. These minimums may not be enough coverage to protect you in the event of a serious accident that results in large medical bills, excessive damages or high legal fees.
QuoteWizard recommends taking out a car insurance policy with the additional coverage amounts below so you have sufficient financial protection in the event of an accident.
- Bodily injury liability per person: $100,000
- Bodily injury liability per accident: $300,000
- Property damage: $100,000
Virginia’s uninsured motor vehicle (UMV) fee
In Virginia, you may be able to register a vehicle without proof of insurance. However, if you don’t have insurance in place when you register your vehicle, you are required to pay a $500 uninsured motor vehicle (UMV) fee.
This fee does not act as insurance and has to be renewed every 12 months. A payment plan is also available. If you’re in an accident without insurance coverage, you are personally liable for any associated costs. Plus, with minimum-coverage insurance available at an average of $437 yearly, this option might cost you more money in the long run — especially if you’re ever in an accident.
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Virginia Beach ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.
Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Virginia’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $100,000 property damage liability coverage
- $500 deductibles for both collision and comprehensive coverage
Sources:
Auto insurance by city
- Virginia Beach
- Richmond
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