Car insurance coverage in Virginia Beach costs an average of $1,185 annually for full coverage. That's $262 more expensive than the national average of $1,447. If you are looking for the cheapest car insurance in Virginia Beach, consider comparing quotes from multiple insurers. Rates can vary by hundreds of dollars, depending on your age, driving record, and the type of car you own.
Read this guide to find out which insurance companies in Virginia Beach provide the best car insurance coverage for you. Also, know about the carriers that have the best ratings for customer satisfaction and what rate each provider offers for your specific situation.
Cheapest car insurance companies in Virginia Beach
United Svcs Automobile Assn is the cheapest car insurance company in Virginia Beach with an average cost of $744 per year, based on insurance.com's rate analysis. While Progressive Advanced is second in terms of the cheapest car insurance companies in Virginia Beach. The table below shows how major insurance carriers rank for price.
| Company | Average Annual Rates |
|---|---|
| United Svcs Automobile Assn | $744 |
| Progressive Advanced | $854 |
| Nationwide of Am | $861 |
| Main St Am Protection | $875 |
| GEICO Advantage | $884 |
| Travelers Personal Sec | $1,029 |
| Erie Ins Exchange | $1,040 |
| State Farm Mutl Automobile Ins | $1,107 |
| American Mercury | $1,183 |
| Owners | $1,213 |
| Allstate P&C | $1,465 |
| Alpha P&C | $1,957 |
| Metropolitan Direct P&C | $2,196 |
Cheapest car insurance cost in Virginia Beach by age group
Among the carriers surveyed by Insurance.com, Progressive Gulf Ins Co is the cheapest car insurance company for adult drivers. It offers insurance at about $790 a year or $66 a month.
Rates typically drop as you gain more experience on the road and adult drivers can save money by shopping around and availing themselves of the discounts for which they are eligible. Progressive Gulf Ins Co is also the cheapest auto insurance company for seniors with an average cost of $694 annually.
Car insurance rates go up for drivers after they enter their senior years, but they can trim their insurance costs by comparing quotes. Apart from shopping around, seniors can take advantage of the driver discounts available to lower their car insurance premiums.
Progressive Gulf Ins Co offers the cheapest car insurance for young adults in Virginia Beach at about $1,446 a year. While Erie Ins Exch is the cheapest insurance provider for teen drivers for full coverage at an average of $2,658 a year.
The table below shows that young drivers pay higher car insurance rates than adult and senior drivers because of the lack of experience on the road. But young drivers can lower their insurance rates by shopping around, by taking advantage of the good student discount, or by staying on their parents' insurance policy for as long as they can.
| Company Name | Adults | Seniors | Teens | Young Adults |
|---|---|---|---|---|
| Progressive Gulf Ins Co | $790 | $694 | $4,938 | $1,446 |
| Nationwide Ins Co Of Amer | $974 | $937 | $3,226 | $1,649 |
| Erie Ins Exch | $1,085 | $1,081 | $2,658 | $1,889 |
| Geico Gen Ins Co | $1,132 | $1,317 | $3,334 | $1,977 |
| State Farm Mut Auto Ins Co | $1,148 | $1,101 | $3,515 | $1,948 |
| Allstate Prop & Cas Ins Co | $1,852 | $1,886 | $5,871 | $2,920 |
Cheapest car insurance companies in Virginia Beach by driver profile
Location and driving record are the two important factors that determine the cost of your car insurance. Your driving record can either raise or lower your car insurance premium depending on whether you have a good or bad driving history.
However, you can still find affordable coverage in Virginia Beach no matter what your driving history looks like. Make sure you compare the rates of different insurance companies to get the best deal possible.
- Cheapest for a driver with Poor Credit: Nationwide
- Cheapest for a driver with a speeding ticket: United
- Cheapest for accident: Main St Am Protection
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Nationwide
Nationwide is the cheapest car insurance company for a driver with poor credit in Virginia Beach. Its average annual rate is $1,716 or $143 a month.
Insurance companies often require that car drivers have good credit scores, and those with bad or poor credit may face more expensive rates.
| Company | Avgerage Annual Rates |
|---|---|
| Nationwide | $1,716 |
| Geico | $1,782 |
| United | $2,109 |
| Progressive | $2,198 |
| Travelers | $2,471 |
| American Mercury Ins Co | $2,846 |
| State Farm | $2,863 |
| Owners Ins Co | $2,944 |
| Erie Ins | $3,060 |
| Allstate | $3,390 |
| Alpha P&C Ins Co | $3,559 |
| Main St Am Protection Ins Co | $5,462 |
| Metropolitan | $6,313 |
Cheapest auto insurance for drivers with a speeding ticket: United
United is the cheapest auto insurance company for a driver with a speeding ticket in Virginia Beach. Its average annual premium is $1,407 annually or $117 per month.
If you get a speeding ticket, it can lead to higher insurance rates for 3-5 years. Make sure you compare price quotes from multiple insurers before you decide on the company.
| Company | Avgerage Annual Rates |
|---|---|
| United | $1,407 |
| Nationwide | $1,476 |
| State Farm | $1,567 |
| Erie Ins | $1,594 |
| Progressive | $1,697 |
| Owners Ins Co | $2,065 |
| Travelers | $2,080 |
| Geico | $2,145 |
| Main St Am Protection Ins Co | $2,546 |
| American Mercury Ins Co | $2,855 |
| Allstate | $2,859 |
| Alpha P&C Ins Co | $3,859 |
| Metropolitan | $6,353 |
Cheapest auto insurance after an at-fault accident: Main St Am Protection
Main St Am Protection offers the cheapest car insurance rates for a driver with an accident record in Virginia Beach at about $1,303 per year. Apart from Main St Am Protection , United, Nationwide, and State Farm are other cheap insurance companies on our list.
| Company | Avgerage Annual Rates |
|---|---|
| Main St Am Protection Ins Co | $1,303 |
| United | $1,666 |
| Nationwide | $1,668 |
| State Farm | $1,704 |
| Owners Ins Co | $1,711 |
| Geico | $1,898 |
| Erie Ins | $1,903 |
| Progressive | $1,926 |
| Travelers | $2,018 |
| American Mercury Ins Co | $3,576 |
| Allstate | $3,957 |
| Alpha P&C Ins Co | $4,648 |
| Metropolitan | $6,489 |
Cheapest auto insurance after a DUI: State Farm
State Farm is the cheapest insurance company for a driver after a DUI or DWI offense in Allakaket at about a $1,567 year.
If you're convicted of a DUI, your insurance rates will go up and it could be years before they come down again. So, it's important to shop around and find the best deal for you.
| Company | Avgerage Annual Rates |
|---|---|
| State Farm | $1,567 |
| Progressive | $1,663 |
| Nationwide | $1,977 |
| United | $2,074 |
| Travelers | $2,185 |
| Erie Ins | $2,213 |
| Owners Ins Co | $2,242 |
| Geico | $2,507 |
| American Mercury Ins Co | $2,658 |
| Main St Am Protection Ins Co | $2,874 |
| Alpha P&C Ins Co | $3,119 |
| Allstate | $3,238 |
| Metropolitan | $10,121 |
Average car insurance cost in Virginia Beach
The average car insurance rate in Virginia Beach is $1,185 a year for a full coverage policy of 100/300/100 for a driver age 30, $262 less than the national average of $1,447.
The average annual premium in Virginia Beach for minimum coverage is $485 a year or $40 a month, based on Insurance.com's rate analysis.
| Average Annual Rates | State Minimum Average |
|---|---|
| $1,185 | $485 |