Best Cheap Auto Insurance in Virginia Beach, VA (2021)

The average Virginia Beach, VA auto insurance rates are $207 per month. The minimum auto insurance in Virginia Beach is at least 25/50/20 in coverage to comply with Virginia auto insurance laws. To find the best cheap auto insurance in Virginia Beach, Virginia, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The minimum auto insurance required in Virginia Beach, Virginia is 25/50/20
  • Average auto insurance rates in Virginia Beach, VA for senior drivers are $1,426 per year
  • The average commute length in Virginia Beach is 23.6 minutes

Virginia Beach, Virginia auto insurance requirements are 25/50/20 according to Virginia auto insurance laws. Finding cheap auto insurance in Virginia Beach can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Virginia Beach, Virginia, including driving record, credit, commute time, and more.

Compare auto insurance in Virginia Beach to other Virginia cities, including Hampton auto insurance rates, Norfolk auto insurance rates, and Newport News auto insurance rates to see how Virginia Beach, Virginia auto insurance rates stack up.

Before you buy Virginia Beach, Virginia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Virginia Beach, Virginia auto insurance quotes.

Minimum Auto Insurance in Virginia Beach, Virginia

Virginia Beach, Virginia auto insurance laws require that you have at least the Virginia minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Virginia Beach, Virginia.

Minimum Required Auto Insurance Coverage in Virginia Beach, Virginia

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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Cheap Virginia Beach, Virginia Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Virginia Beach, Virginia are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Virginia Beach, Virginia

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,142 $2,018 $2,129 $2,129 $6,711 $7,664 $2,775 $2,765
GEICO $1,553 $1,539 $1,476 $1,476 $3,422 $4,552 $1,807 $1,772
Nationwide $1,524 $1,529 $1,353 $1,385 $3,728 $4,783 $1,686 $1,827
Progressive $1,181 $1,115 $1,079 $1,078 $5,605 $6,279 $1,426 $1,447
State Farm $1,489 $1,489 $1,361 $1,361 $4,726 $5,924 $1,689 $1,945
USAA $1,208 $1,187 $1,141 $1,141 $3,789 $4,486 $1,548 $1,696

Cheap Virginia Beach, Virginia Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Virginia Beach, Virginia is a challenge. Take a look at the annual teen auto insurance rates in Virginia Beach, Virginia.

Annual Auto Insurance Rates for Teen Drivers in Virginia Beach, Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,711 $7,664
GEICO $3,422 $4,552
Nationwide $3,728 $4,783
Progressive $5,605 $6,279
State Farm $4,726 $5,924
USAA $3,789 $4,486

Cheap Virginia Beach, Virginia Auto Insurance for Seniors

What are senior auto insurance rates in Virginia Beach, Virginia? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Virginia Beach, Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,129 $2,129
GEICO $1,476 $1,476
Nationwide $1,353 $1,385
Progressive $1,079 $1,078
State Farm $1,361 $1,361
USAA $1,141 $1,141

Cheap Virginia Beach, Virginia Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Virginia Beach, Virginia compared to the annual auto insurance rates with a clean record in Virginia Beach, Virginia.

Annual Virginia Beach, Virginia Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,632 $4,248 $3,880 $3,407
GEICO $1,678 $2,169 $3,273 $1,678
Nationwide $1,938 $1,938 $2,835 $2,197
Progressive $2,039 $2,737 $2,449 $2,380
State Farm $2,266 $2,730 $2,498 $2,498
USAA $1,565 $2,043 $2,685 $1,805

Cheap Virginia Beach, Virginia Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Virginia Beach, Virginia is not easy. Compare the annual rates for DUI auto insurance in Virginia Beach, Virginia to find the best deal.

Annual Auto Insurance Rates After a DUI in Virginia Beach, Virginia

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,880
GEICO $3,273
Nationwide $2,835
Progressive $2,449
State Farm $2,498
USAA $2,685

Cheap Virginia Beach, Virginia Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Virginia Beach, Virginia annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Virginia Beach, Virginia

Insurance Company Poor Fair Good
Allstate $4,301 $3,461 $2,863
GEICO $2,444 $2,078 $2,078
Nationwide $2,629 $2,121 $1,929
Progressive $2,660 $2,345 $2,198
State Farm $3,554 $2,202 $1,738
USAA $2,699 $1,847 $1,527

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Cheap Virginia Beach, Virginia Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Virginia Beach, Virginia can vary. Compare the annual cost of auto insurance by ZIP code in Virginia Beach, Virginia to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Virginia Beach, Virginia

ZIP Code Average Annual Rates
23451 $2,143
23452 $2,150
23453 $2,161
23454 $2,150
23455 $2,146
23456 $2,139
23457 $2,181
23459 $2,140
23460 $2,151
23461 $2,159
23462 $2,164
23464 $2,135

Cheap Virginia Beach, Virginia Auto Insurance Rates By Commute

Commute length and annual mileage affect Virginia Beach, Virginia auto insurance. Find the cheapest annual Virginia Beach, Virginia auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Virginia Beach, Virginia

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,431 $3,652
GEICO $2,159 $2,240
Nationwide $2,227 $2,227
Progressive $2,401 $2,401
State Farm $2,435 $2,561
USAA $1,950 $2,099

Cheap Virginia Beach, Virginia Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Virginia Beach, Virginia? Check out the comparison of annual Virginia Beach, Virginia auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Virginia Beach, Virginia

Insurance Company Low Medium High
Allstate $3,422 $3,542 $3,661
GEICO $2,104 $2,197 $2,297
Nationwide $2,324 $2,207 $2,150
Progressive $2,285 $2,372 $2,546
State Farm $2,329 $2,495 $2,670
USAA $1,933 $2,029 $2,111

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Best By Category: Cheapest Auto Insurance in Virginia Beach, Virginia

Compare the cheapest auto insurance companies in Virginia Beach, Virginia in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Virginia Beach, Virginia

Category Insurance Company
Teenagers GEICO
Seniors Progressive
Clean Record USAA
With 1 Accident Nationwide
With 1 DUI Progressive
With 1 Speeding Violation GEICO

The Cheapest Virginia Beach, Virginia Auto Insurance Companies

What auto insurance companies in Virginia Beach, Virginia are the cheapest? Compare the top Virginia Beach, Virginia auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Virginia Beach, Virginia

Insurance Company Average Annual Rates
Allstate $3,542
GEICO $2,200
Nationwide $2,227
Progressive $2,401
State Farm $2,498
USAA $2,024

What affects auto insurance rates in Virginia Beach, Virginia?

There are a lot of reasons why auto insurance rates in Virginia Beach, Virginia are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Virginia Beach, Virginia. Many local factors may affect your Virginia Beach auto insurance rates.

Virginia Beach Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Virginia Beach, Virginia commute length is 23.6 minutes according to City-Data.

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Compare Virginia Beach, Virginia Auto Insurance Quotes

Before you buy Virginia Beach, Virginia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Virginia Beach, Virginia auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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