Average car insurance cost in Virginia Beach

The average car insurance rate in Virginia Beach for full coverage is $1,457 per year or $121 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Virginia Beach is $527 per year. The state minimum liability limits are 30/60/20.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.

Average 6 month premium$729
Average annual premium$1,457
State minimum premium$527

Cheapest car insurance companies in Virginia Beach

Virginia Farm Bureau offers the cheapest rates on average at $1,106 per year. Travelers is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices differ based on where you live, your driving history, coverage limit and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.

Below are the companies that offer cheap car insurance to drivers in Virginia Beach.

CompanyAverage 6 month rateAverage annual rate
Virginia Farm Bureau$553$1,106
Travelers$588$1,175
GEICO$657$1,314
Erie Insurance$663$1,327
Auto-Owners$679$1,357
State Farm$760$1,520
Progressive$891$1,782
Allstate$1,146$2,292
USAA$621$1,242

Cheapest car insurance cost in Virginia Beach by age group

Car insurance rates in Virginia Beach vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Virginia Beach by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

  • Cheapest for teens: Virginia Farm Bureau
  • Cheapest for young adults: GEICO
  • Cheapest for adults: Virginia Farm Bureau
  • Cheapest for seniors: Travelers

Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Virginia Farm Bureau offers the cheapest car insurance for teens at $2,685 per year.

GEICO offers the most affordable auto insurance for young adults at $1,834 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.

Adult drivers pay lowest car insurance premiums because they have more driving experience and a lower risk of accidents. Virginia Farm Bureau provides the lowest car insurance rates at $1,129 per year for adult drivers in Virginia Beach.

Travelers offers the least expensive car insurance for senior drivers in Virginia Beach, at $1,238 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

CompanyTeensYoung adultsAdultsSeniors
Virginia Farm Bureau$2,685$1,925$1,129$1,309
Travelers$4,025$1,907$1,205$1,238
GEICO$3,752$1,834$1,300$1,327
Erie Insurance$3,283$2,168$1,345$1,385
Auto-Owners$3,899$2,424$1,398$1,497
State Farm$4,615$2,603$1,534$1,495
Progressive$9,121$3,130$1,802$1,929
Allstate$6,054$3,171$2,165$2,408
FarmersNANANA$3,648
USAA$4,553$2,108$1,269$1,363

Cheapest car insurance companies in Virginia Beach by driver profile

Car insurance rates in Virginia Beach vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

Below are some of the cheapest car insurance companies in Virginia Beach by driver profile.

Cheapest for a driver with poor credit: GEICO

GEICO is the most affordable car insurance for drivers with poor credit. On average, drivers in Virginia Beach pay about $2,015 per year for it.

Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Virginia Beach.

CompanyAverage 6 month premiumAverage annual premium
GEICO$1,008$2,015
Travelers$1,062$2,123
Progressive$1,440$2,880
Erie Insurance$1,552$3,104
Allstate$1,822$3,644
Auto-Owners$2,500$4,999
State Farm$2,932$5,863
USAA$1,199$2,397

Cheapest auto insurance after an at-fault accident: Travelers

In Virginia Beach, Travelers offers the cheapest car insurance for drivers with at-fault accident at $1,732 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.

The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Virginia Beach.

CompanyAverage 6 month premiumAverage annual premium
Travelers$866$1,732
State Farm$888$1,775
Erie Insurance$920$1,839
GEICO$1,093$2,185
Progressive$1,410$2,820
Allstate$2,327$4,653
USAA$935$1,870

Cheapest auto insurance after a DUI: State Farm

State Farm offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $1,638 per year, making it the cheapest option amongst all the companies analyzed.

A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.

Here are the cheapest car insurance companies for drivers with a DUI in Virginia Beach.

CompanyAverage 6 month premiumAverage annual premium
State Farm$819$1,638
Travelers$938$1,875
Erie Insurance$1,091$2,182
Auto-Owners$1,148$2,296
Progressive$1,153$2,306
GEICO$1,435$2,870
Allstate$1,675$3,350
USAA$1,176$2,352

Cheapest for drivers with a speeding ticket: Erie Insurance

Erie Insurance offers the cheapest car insurance at $1,496 in Virginia Beach for drivers with speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.

Here are the companies offering cheap auto insurance for drivers with speeding ticket.

CompanyAverage 6 month premiumAverage annual premium
Erie Insurance$748$1,496
State Farm$819$1,638
Travelers$900$1,799
Auto-Owners$1,148$2,296
Progressive$1,194$2,388
GEICO$1,225$2,450
Allstate$1,482$2,964
USAA$755$1,509

Car insurance discounts for Virginia Beach drivers

The biggest car insurance discount available in Virginia Beach is for the years insured category at 45.22%, offered by Allstate.

Car insurance is essential for drivers in Virginia Beach, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to Virginia Beach drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsAllstate$2,9030.93%$27
Air BagsAuto-Owners$1,7441.18%$21
Air BagsErie Insurance$1,2801.09%$14
Air BagsGEICO$1,3630.66%$9
Air BagsNationwide$1,1802.29%$27
Anti-Theft DeviceAuto-Owners$1,7441.22%$21
Anti-Theft DeviceErie Insurance$1,2800.16%$2
Anti-Theft DeviceGEICO$1,3630.74%$10
Anti-Theft DeviceNational General Insurance$2,3801.28%$31
Daily CommuteAuto-Owners$1,74413.34%$233
Daily CommuteErie Insurance$1,2808.07%$103
Daily CommuteVirginia Farm Bureau$1,2550.12%$1
Days Advanced PurchaseAllstate$2,90318.15%$527
Days Advanced PurchaseAuto-Owners$1,7445.26%$92
Days Advanced PurchaseErie Insurance$1,2809.77%$125
Days Advanced PurchaseNational General Insurance$2,3808.82%$210
Days Advanced PurchaseNationwide$1,1805.94%$70
Days Advanced PurchaseTravelers$1,1975.33%$64
EducationGEICO$1,3639.56%$130
EducationProgressive$1,9673.30%$65
Electronic Funds TransferAllstate$2,9035.00%$145
Electronic Funds TransferNational General Insurance$2,3801.05%$25
Electronic Funds TransferProgressive$1,9673.96%$78
Electronic Funds TransferTravelers$1,1971.94%$23
Electronic SignatureProgressive$1,9679.95%$196
HomeownerAllstate$2,90313.96%$405
HomeownerNational General Insurance$2,3805.13%$122
HomeownerProgressive$1,9674.89%$96
Lower Annual MileageAllstate$2,90312.46%$362
Lower Annual MileageAuto-Owners$1,7444.39%$77
Lower Annual MileageErie Insurance$1,2808.13%$104
Lower Annual MileageGEICO$1,3633.32%$45
Lower Annual MileageProgressive$1,9672.15%$42
Lower Annual MileageState Farm$1,2079.88%$119
Lower Annual MileageTravelers$1,1976.52%$78
Lower Annual MileageVirginia Farm Bureau$1,2634.07%$52
Loyalty - Years Renewal With CompanyErie Insurance$1,2803.23%$41
Loyalty - Years Renewal With CompanyGEICO$1,3631.92%$26
Loyalty - Years Renewal With CompanyProgressive$1,9670.94%$19
Loyalty - Years Renewal With CompanyState Farm$1,20721.95%$265
Loyalty - Years Renewal With CompanyVirginia Farm Bureau$1,2634.86%$61
Marital StatusAllstate$2,90322.87%$664
Marital StatusErie Insurance$1,2808.20%$105
Marital StatusNational General Insurance$2,38012.75%$303
Marital StatusNationwide$1,1803.32%$39
Marital StatusProgressive$1,96710.86%$214
Marital StatusVirginia Farm Bureau$1,26311.87%$150
Multi PolicyAllstate$2,90314.40%$418
Multi PolicyAuto-Owners$1,7445.92%$103
Multi PolicyErie Insurance$1,2806.88%$88
Multi PolicyGEICO$1,3634.57%$62
Multi PolicyNational General Insurance$2,3805.13%$122
Multi PolicyNationwide$1,1808.50%$100
Multi PolicyProgressive$1,96711.00%$216
Multi PolicyState Farm$1,2079.45%$114
Multi PolicyTravelers$1,1977.21%$86
Multi PolicyVirginia Farm Bureau$1,2634.22%$53
Paperless/Electornic DocumentsAllstate$2,9036.68%$194
Paperless/Electornic DocumentsNationwide$1,1804.24%$50
Paperless/Electornic DocumentsProgressive$1,9670.85%$17
Payment TypeAllstate$2,9039.55%$277
Payment TypeAuto-Owners$1,74414.99%$262
Payment TypeNational General Insurance$2,3802.98%$71
Payment TypeProgressive$1,96713.56%$267
Payment TypeTravelers$1,1974.92%$59
Payment TypeVirginia Farm Bureau$1,26311.07%$140
Primary UseAllstate$2,9039.63%$280
Primary UseAuto-Owners$1,74417.57%$306
Primary UseErie Insurance$1,28016.25%$208
Primary UseNationwide$1,1808.48%$100
Primary UseProgressive$1,9671.52%$30
Primary UseState Farm$1,20711.89%$144
Primary UseTravelers$1,1973.96%$47
Primary UseVirginia Farm Bureau$1,2634.57%$58
ProfessionGEICO$1,3639.56%$130
ProfessionProgressive$1,96716.23%$319
Safety DevicesAllstate$2,9038.50%$247
Safety DevicesAuto-Owners$1,7443.28%$57
Safety DevicesErie Insurance$1,2800.39%$5
Safety DevicesGEICO$1,3632.13%$29
Safety DevicesProgressive$1,9673.32%$65
Safety DevicesVirginia Farm Bureau$1,2634.47%$56
TelematicsNationwide$1,18011.70%$138
TelematicsProgressive$1,9679.95%$196
TelematicsState Farm$1,2077.86%$95
Years InsuredAllstate$5,89345.22%$2,665
Years InsuredGEICO$1,4494.68%$68
Years InsuredNationwide$1,59011.08%$176
Years InsuredProgressive$2,56019.96%$511
Years InsuredTravelers$2,17035.90%$779
Years LicensedAllstate$6,61410.90%$721
Years LicensedGEICO$2,10926.50%$559
Years LicensedNational General Insurance$3,45321.47%$741
Years LicensedNationwide$1,84413.78%$254
Years LicensedProgressive$4,03731.62%$1,277
Years LicensedState Farm$1,50717.42%$263
Years LicensedTravelers$3,61638.78%$1,402

How to get cheap car insurance in Virginia Beach in 2025

Find affordable car insurance in Virginia Beach by following these smart strategies:

  • Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
  • Take advantage of discounts offered. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car or paying your premium in full instead of monthly.
  • Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
  • Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents and other violations to keep your insurance costs down.
  • Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
  • Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Virginia Beach.

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.