Cheap Car Insurance in Virginia Beach, VA

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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Do you have a need for cheap auto insurance in Virginia Beach, VA? With AutoInsuranceEZ.com, you will find the absolute cheapest insurance policy close to you. In order to get some free car insurance prices from the highest rated providers immediately, enter your zip code into the quote box in this posting.

Virginia Beach successfully juggles a rich, historical past with the modern demands of a rapidly-growing east coast city. Residents enjoy over 28 miles of public beaches, a temperate climate, an agreeable tax structure, and an impressive public transportation system compared to other nearby cities. Lately, the economy has been booming thanks to high-technology industries, construction, and tourism.

  • Fun fact: If you’re looking for a room, you’re in luck, because Virginia Beach is #5 (23451) on the list of “Top 101 zip codes with the most hotels or motels in 2005”. Read up on Virginia Beach by clicking here.

Auto Insurance Coverage Requirements in Virginia

Driving legally in Virginia Beach requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 20,000 50,000
Uninsured Motorist Bodily Injury 25,000/50,000 100,000/300,000
Medical Payments Not required 5,000
Collision Not required 250 deductible
Comprehensive Not required 0 deductible

For more realistic expectations of what you should be carrying, take a closer look at the column on the far right. Rarely will the state minimums for insurance (center column) be sufficient enough coverage to protect you from out-of-pocket insurance expenses.

Unfortunately, Virginia car insurance can get expensive – for example, the average monthly premium most motorists pay is around $93. But Virginia Beach drivers can get a modest discount and find good deals in their area for $32/mo* or less. The trick is to know where to find them, and we’re about to show you how.



Average Monthly Auto Insurance Premiums


Legend:
Virginia Beach

Erie
Allstate
Nationwide
ALFA
State Farm


5
10
15
20
25
30
35



$26

$29

$36

$29

$39


 

Virginia Beach drivers who are desperate for a low rate might want to look into either Erie, Allstate, or ALFA. These two companies are pricing their policies competitively low compared to other insurance providers in the Virginia Beach area. Just make sure you thoroughly vet them before you decide to take your business elsewhere.

Those who underwrite auto insurance policies evaluate numerous factors while calculating insurance quotes, especially driving experience, driving violations, your credit rating, miles driven each year, and the coverage and limits you have on your present insurance policy. Also take into account that premiums could alter between businesses. To find out if that you’re still being charged the lowest-cost fee, evaluate cheap Virginia Beach auto insurance price quotes online.

Enter your ZIP code below to compare auto insurance rates.

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Major Car Insurance Factors in Virginia Beach

At the time your automobile insurance company prepares to build your insurance plan, they take several parameters into account. Some of these, like your age or your exact location, are generally extremely hard to improve. A few alternative elements are:

Your Zip Code

Auto insurance providers need to know your location (or the place you will probably be driving frequently) in an effort to calculate the odds of an accident. All of it boils down to a simple principle: the larger the populace, the greater amount of cars and trucks there will be on the streets, as well as the more opportunities you could have to get in a crash with or perhaps be hit by yet another automobile. The populace of Virginia Beach is 448,479 and also the usual household income is $62,855.



Auto Insurance by Zip Code


Legend:
Chesapeake
Norfolk
Richmond
Virginia Beach
Newport News

Erie
Allstate
Nationwide
ALFA
State Farm


5
10
15
20
25
30
35
40







$26
$26
$28
$26
$25





$26
$30
$30
$29
$30





$35
$34
$39
$36
$34





$28
$31
$34
$29
$29





$37
$42
$39
$39
$39


 

Automotive Accidents

Virginia Beach has some unfortunately large numbers when it comes to deadly accidents, especially with regard to drunk driving. On top of this bad news, you should be aware of the fact that insurance providers in the Virginia Beach area will raise their rates when statistics like this show how dangerous it is to be a motorist in your city. But you might be able to inquire about a Safe Driver discount if you have a clean history yourself.



Fatal Accidents in Virginia Beach, VA


Legend:
Virginia Beach

Fatal accident count
Vehicles involved in fatal crashes
Fatal crashes involving drunk persons
Fatalities
Persons involved in fatal crashes
Pedestrians involved in fatal accidents


5
10
15
20
25
30
35
40
45
50
55
60



26

41

10

27

64

1


 

Auto Thefts in Virginia Beach

Almost all insurance agencies are worried about auto theft; this runs specifically true for motorists who live in large areas. The higher the populace, the higher the probability you will have to submit an automobile theft claim. In recent years, the number of stolen vehicles dropped down to 445 in Virginia Beach. Despite the high number, this actually means that per capita rates of theft are very low. You might be able to save money each month by altering your Comprehensive coverage deductible given this information.



Basic vs. Comprehensive Auto Policy


Legend:
Basic Coverage
Comprehensive Coverage

Erie
Allstate
Nationwide
ALFA
State Farm


10
20
30
40
50
60
70




$26
$55


$29
$72


$36
$62


$29
$60


$39
$76


 

Your Credit Score

The financial penalties for having poor credit while driving in Virginia can get a little steep. Some providers, like Nationwide, will charge a little more for poor credit but not so much that it necessarily breaks the bank. Other providers, however, may double or triple your rate – just based on your credit score alone.



Auto Insurance by Credit Score


Legend:
Excellent Credit
Poor Credit

Erie
Allstate
Nationwide
ALFA
State Farm


10
20
30
40
50
60




$25
$45


$28
$47


$33
$47


$26
$50


$32
$68


 

Your Age

If you are a young driver, getting good grades and taking a driver’s education course (or several) is essential. Achieving such goals will put you in a position to take advantage of some much-needed discounts, since young drivers pay some of the highest rates in the country.



Auto Policy Age Comparison


Legend:
34 Year Old
17 Year Old

Erie
Allstate
Nationwide
ALFA
State Farm


15
30
45
60
75
90
105
120
135
150




$26
$81


$29
$86


$36
$119


$29
$76


$39
$150


 

Your Driving Record

According to your insurance company, your driving record is a fairly accurate predictor of whether or not you will be filing a claim with them in the near future. This is why your rates are likely to rise with a speeding ticket or any sort of accident. However, there are providers which offer “Accident Forgiveness” discounts if you are otherwise a safe driver.



Driving Violations


Legend:
Perfect Record
Minor Speeding Ticket
DUI/Reckless Driving
Major At-Fault Accident

Erie
Allstate
Nationwide
ALFA
State Farm


10
20
30
40
50
60
70
80
90
100






$26
$27
$42
$35




$29
$38
$43
$51




$36
$46
$81
$57




$29
$36
$102
Do Not Sell




$39
$43
$43
$46


 

Your Vehicle

Want to buy an expensive, fancy car? Then you’re going to need an expensive, fancy insurance policy in order to protect your vehicle. Purchasing the right types of coverage, and in high enough amounts, is essential for luxury or otherwise expensive vehicles.



Car Insurance by Make/Model


Legend:
2015 Honda Accord
2012 Porsche Boxster Spyder

Erie
Allstate
Nationwide
ALFA
State Farm


10
20
30
40
50
60
70
80
90
100




$26
$67


$29
$100


$36
$85


$29
$80


$39
$100


 

Minor Car Insurance Factors in Virginia Beach

The factors below, while usually not having much of an influence, can still alter how much your premiums will cost each month:

Your Marital Status

Many married couples across the country are bundling their auto policies together under the same insurance provider in order to get access to some very nice discounts. If you and your spouse aren’t doing so already, then what are you waiting for?

Your Gender

The insurance industry is all over the place when it comes to charging premiums based on gender. Some companies will charge women higher rates, while others will give that financial burden to men. But most don’t even calculate your rate with gender in mind anymore.

Your Driving Distance to Work

It can take anywhere from 9 to 32 minutes to get to the office when commuting around Virginia Beach. An overwhelming majority of residents (82%) still prefer to own and operate their own vehicles, especially when it comes to travelling to work. Less than 12% carpool.

The more often you drive, the more likely you are to get into an accident. That’s why insurance companies ask questions about how many miles you drive each year, and why you’re driving in the first place. But if you drive a lot, don’t worry too much; for every 5-10,000 miles you drive above (or below) average, your rates will only fluctuate by 3-4% at most.

Your Coverage and Deductibles

Do yourself a favor: take the amount of money your deductible is now, double that number, and set it aside in a savings account for a rainy day. After you do that, talk to your insurance agent about raising your deductible so that you can lower your monthly premium. Odds are, you’ll be in store for some good savings.

Education in Virginia Beach, VA

The highest level of education for most Virginia Beach residents is a high school diploma (26%) while an impressive 19% of the population has also progressed to the point of earning a bachelor’s degree. For these select few, getting a lower price on their auto insurance is easy, because providers love giving discounts and cheaper rates to highly-educated drivers.

Because of its proximity to nearby cities such as Norfolk and Chesapeake, many Virginia Beach locals may opt for a short commute to fulfill their educational needs. Old Dominion University in Norfolk has a very large student body and offers degrees from the bachelor’s all the way up to the doctoral level. For a versatile degree in less time, you might want to consider the Virginia Beach campus of the Tidewater Community College located nearby.

Auto insurance is just about the most critical investments you can make as an individual. You’ll want to ensure you uncover a genuine, accountable business that can follow through on their promises. A small number of car insurance agencies are usually much better at this than the others, and performing a conscientious web based search can assist you split the good from the unfavorable.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Virginia Administration of Insurance Regulation

Virginia SCC – Bureau of Financial Institution

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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