Best Auto Insurance Rates in Virginia Beach, Virginia

On average, your neighbors pay $62 a month.

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Home to the longest beach in the world, very low crime rates, and world-famous tourism, Virginia Beach really does have it all. What’s more, Virginia Beach is connected to the rest of the state via the Chesapeake Bay Bridge-Tunnel, the longest of its kind in the world. With surfing, beach soccer, military bases and more, residents deserve cheap car insurance rates.

Average Virginia Beach Car Insurance Rates

How much is car insurance in Virginia Beach, VA? Despite a very low vehicle theft rate and very few traffic fatalities, residents have higher car insurance rates than most of Virginia. Prices for premiums will vary depending on the number of claims filed in your zip code.

The average cost of auto insurance in Virginia is $743.14 per year. The national average price is $866.31. However, insurance rates in Virginia Beach are much higher than both the state and national average.

Virginia Average Annual Car Insurance Rates
Coverage Rates
Liability $425.61
Collision $280.520
Comprehensive $136.54
Total Cost Per Year $750.85
Price Per Month $62.57
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Virginia rates from 2011 to 2015, the most recent year the data is available. According to the III, Virginia car insurance rates increased from $679 in 2011 to $750 in 2015, a jump of $71 dollars, or 10.48 percent.

Virginia average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Virginia Beach, Virginia and save up to 40% on your premium.

Last year, 8,866 people used QuoteWizard to compare car insurance quotes in Virginia Beach, VA from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Virginia Beach, VA

This is our list of the most common car insurance companies reported by QuoteWizard users living in Virginia Beach, Virginia last year.

Other popular Virginia Beach, Virginia car insurance companies: MetLife, American Family, Hartford, Safeco, Virginia Farm Bureau, Erie, Travelers, and Country Financial.

Top 10 Vehicles in Virginia Beach

These are the most common vehicles owned by Virginia Beach, VA drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Honda Accord EX/LX
  3. Honda Civic EX
  4. Toyota Camry LE/XLE/SE
  5. Ford Explorer
  6. Ford Mustang
  7. Nissan Altima 2.5 S
  8. Jeep Grand Cherokee
  9. Hyundai Sonata
  10. Ford Focus SE

Legal Minimum Insurance Requirements in Virginia Beach, VA

Virginia Beach, Virginia has a minimum coverage requirement known as the 25/50/20 rule. This means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The maximum your insurer will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The total your insurance company will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $20,000.
    The maximum your insurance carrier will pay for property damage caused by a car accident.

Virginia Beach Drivers

According to a report published by Allstate Insurance, Virginia Beach ranked 61st out of 200 cities for safe driving. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 9.4 years.

Driving Conditions

Some factors that can affect your insurance rates are the weather, driving, and road conditions.


Virginia Beach has what's called a humid subtropical climate. Summers here are hot and humid and the winters are mild with little snow. Precipitation average 46.53 inches a year and rainfall is spread fairly evenly throughout the year. So you never know when your commute could get dicey. The area is also usually good for a few snow days each year, just enough to make things interesting, yet probably not enough to warrant the purchase of snow tires.

Road Conditions

Virginia Beach may not get a lot of snow, but it gets just enough snow, rain, and wintry weather to create potholes across the city and fixing them never seems to be a priority. According to TRIP, 18% of the major roads in Virginia Beach are rated as being in poor condition and 48% are rated mediocre. These poorly maintained, pothole-filled streets costs drivers $529 a year in extra vehicle operating costs.

Traffic Congestion

According to TomTom's annual traffic index report, Virginia Beach is ranked as having the 31st worst traffic congestion in the United States, but is the least congested of all US cities to make the list. TomTom's data shows the average commuter spends an additional 20 minutes per hour stuck in traffic during rush hour commutes and an additional 76 hours per year for those with 30-minute commutes.

Moving violations including drunk driving, running red lights, accidents, and speeding tickets will make you a high-risk driver with a bad driving record and higher rates.

Traffic Tickets

The Virginia Judicial System website explains how drivers can pay for traffic tickets and other offenses.

Virginia Beach police issued 27,169 traffic summonses in 2016.

DUI Arrests

Virginia Beach Police made 2,086 arrests for suspicion of driving under the influence (DUI) in 2016. Virginia Beach has good public transit, cabs, and rideshare services, so there’s no reason to risk a DUI. Paying for a ride home will always cost much less than a DUI.

SR-22 DUI Insurance

If you've been convicted of a DUI and need to obtain an SR-22 form request a quote. We'll connect you with local insurance agents from top insurance companies that specialize in Virginia Beach DUI insurance.

Car Accident Statistics

Virginia Beach officials reported 8,813 car crashes in 2016, a 5.3 percent increase from 2015. Drugs and/or alcohol were a factor in approximately 5.6 percent of all crashes.

Traffic Fatalities

Virginia Beach experienced 14 fatal collisions in 2016 resulting in 14 deaths in motor vehicle crashes.

This works out to a fatality rate of 3.09per 100,000 residents. All traffic deaths are a tragic loss, and considering Pasadena's estimated population of 452,602, this is one of the nation's safest cities in terms of traffic fatalities.

Vehicle Theft Rates

Virginia Beach reported 437 vehicle thefts in 2016. This is a rate of 0.97 per 1,000 residents, well below the national rate of 2.20 stolen cars per 1,000 people.

Car Insurance Discounts in Virginia Beach

Are you looking for cheap car insurance? Discounts are one of the best ways to lower your rates. These are only a few of the auto insurance discounts available to Virginia Beach, VA drivers. Get a quote and find out whether you’re paying too much for your car insurance policy.

  1. Bundle your auto policy with your homeowners, renters, or life insurance. Bundling is one of the best discounts because can save you more than any other single discount. Bundling insurance policies together under one insurer can knock as much as 15% off your premium
  2. Are you married or getting married soon? Some insurers offer a discount to married couples
  3. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  4. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
  5. Keep your driving record clean with no tickets or accidents and you might qualify for the accident free or safe driver discount
  6. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  7. Are you married or getting married soon? Some insurers offer a discount to married couples
  8. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  9. Live in a safe zip code with low crime rates. If you live in a zip code where people file lots of insurance claims, you might be paying higher premiums
  10. Shop around and compare affordable Virginia Beach car insurance quotes to discover all the discounts you've been missing out on LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.