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Car Insurance Quotes in Virginia Beach, VA

Full coverage / year
$2,138
State minimum / year
$731
Typical quote range
$1,518 – $2,950

Full coverage car insurance in Virginia Beach, VA runs an estimated $2,138 per year — roughly $178 monthly. That sits about 16% above the Virginia average, which is what you would expect from city-level congestion, a higher share of uninsured drivers, and costlier repairs. Use the calculator below to price your actual age, vehicle and record instead of the city average.

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Car insurance calculator — Virginia Beach, VA

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$178/ month
$2,138 per year · carriers in Virginia Beach, VA typically quote $1,518 – $2,950
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Virginia Beach, VA

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$1,625$135-24%Military members and families only
Geico$1,753$146-18%Usually cheapest for clean records
State Farm$1,881$157-12%Strong for young and student drivers
Progressive$2,031$169-5%Competitive after a ticket or accident
Travelers$2,074$173-3%Good multi-policy discounts
Nationwide$2,138$1780%Mid-market, wide availability
Allstate$2,437$203+14%Higher base rate, heavy discount stacking
Farmers$2,587$216+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Virginia Beach, VA. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Virginia Beach

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$5,774$1,975$481
18 years old$4,871$1,666$406
20 years old$4,033$1,380$336
22 years old$3,350$1,146$279
25 years old$2,557$875$213
30 years old$2,204$754$184
40 years old$2,072$709$173
50 years old$1,984$679$165
60 years old$1,962$671$163
65 years old$2,050$701$171
70 years old$2,248$769$187
75 years old$2,623$897$219

Estimated premiums by age in Virginia Beach, VA, clean record, sedan.

What a ticket, accident or DUI costs in Virginia Beach

Driving recordEst. annualIncrease
Clean record$2,138—
1 speeding ticket$2,630+23%
1 at-fault accident$3,143+47%
DUI / DWI$4,041+89%

What a violation costs a 35-year-old in Virginia Beach, VA. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Virginia

Every driver registering a vehicle in Virginia must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Virginia Department of Insurance.

Required coverage in VirginiaMinimum limit
Bodily injury liability, per person$30,000
Bodily injury liability, per accident$60,000
Property damage liability$25,000
Uninsured/underinsured motoristRequired
Insurance systemAt-fault (tort)

Coverage levels compared in Virginia Beach

Coverage levelEst. annualEst. monthly
State minimum liability$731$61
Full coverage (100/300/100 + comp & collision)$2,138$178
Full coverage, high limits + low deductible$2,544$212

Coverage level comparison for Virginia Beach, VA.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Virginia Beach

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Virginia Beach covers 23450, 23451, 23452, 23454, 23455, 23456 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Virginia Beach, VA?
Full coverage in Virginia Beach is estimated at $2,138 a year ($178 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $731 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Virginia?
Virginia requires at least $30,000 bodily injury per person, $60,000 per accident and $25,000 property damage, plus uninsured/underinsured motorist. Virginia is an at-fault state, so the driver responsible for the crash pays for the damage.
▸Who has the cheapest car insurance in Virginia Beach?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Virginia Beach for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Virginia Beach?
An 18-year-old in Virginia Beach is estimated at $4,871 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Virginia Beach?
A DUI takes the estimate from $2,138 to about $4,041 a year in Virginia Beach, an increase of roughly 89%. Virginia drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Virginia Beach?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

ChesapeakeNorfolkPortsmouthPortsmouth HeightsEast HamptonHamptonNewport NewsSuffolk

Comparing more of Virginia? See every Virginia city we price or read the cheap car insurance guide for Virginia Beach.