Car Insurance for Virginia Beach in 2024

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Drivers in Virginia Beach pay an average of $1,866 per year for car insurance, but you might find cheaper coverage if you shop around.

By Andrew Marder 

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If you’re looking for cheap car insurance in Virginia Beach, Virginia, you’ll want to shop around and compare quotes from multiple companies. Insurers use a variety of factors to determine the cost of auto insurance, including your age, address, the type of car you drive and your driving history, which means every driver will ultimately get a different rate. That’s why shopping around is your best bet to getting the cheapest car insurance in Virginia Beach — or anywhere.

To find the cheapest companies in Virginia Beach, NerdWallet looked at average full coverage rates calculated from public filings obtained by pricing analytics company Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in Virginia Beach driving a 2021 Toyota Camry LE.

Read on to find out how auto insurance companies in Virginia Beach stack up. You can also check out our list of the cheapest car insurance companies nationwide.

Table of contents

Cheapest car insurance companies in Virginia Beach

The biggest variable in your insurance cost will be the company you choose, so you’ll want to shop around to be confident you’re getting the best rate. In Virginia Beach, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet’s most recent analysis. It's important to remember that rates are determined individually, so these may not be the cheapest companies for you.

CompanyRateNerdWallet Rating
Virginia Farm Bureau$899Not yet rated
Auto-Owners Insurance$1,346
NerdWallet rating 

5.0

/5
Geico$1,370
NerdWallet rating 

5.0

/5
Erie$1,394
NerdWallet rating 

4.0

/5
Travelers$1,468
NerdWallet rating 

5.0

/5
Penn National$1,495Not yet rated
Chubb$1,747
NerdWallet rating 

4.5

/5
Progressive$1,830
NerdWallet rating 

4.5

/5
Main Street America$1,872Not yet rated
Mercury$1,927
NerdWallet rating 

4.0

/5

Average car insurance cost in Virginia Beach and Virginia

Rates across Virginia differ from those in Virginia Beach for lots of reasons. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. According to NerdWallet’s most recent analysis, the average rate in Virginia is $1,787, while in Virginia Beach, it's $1,866.

Average city rateAverage state rate
$1,866$1,787

Average cost of car insurance in Virginia Beach’s largest ZIP codes

The cost of auto insurance varies based on where you live, even from one neighborhood to the next. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the price you pay. According to NerdWallet’s analysis, here are the most populated ZIP codes in Virginia Beach and the average annual cost of car insurance for a 35-year-old driver with good credit and a clean driving record.

ZIP CodeAverage Rate
23464$1,763
23462$1,827
23456$1,830
23452$1,848
23454$1,872
23455$1,872
23451$1,846
23453$1,813
23457$1,884
23460$1,872

Cheap car insurance in Virginia Beach by age

Along with where you live, your age is another major factor in the price you pay for car insurance. For example, younger drivers usually pay more than older drivers with similar driving histories and credit scores due to having less experience on the road.

You could easily find that the cheapest company for you changes as you age. Here's a breakdown of prices in Virginia Beach for similar drivers at various ages, according to NerdWallet’s most recent analysis.

Cheapest for 20-year-olds

While teen drivers are the most likely to be in an accident, 20-year-old drivers are still relatively new to the road. A higher rate of accidents among younger drivers means they also pay more for car insurance. According to NerdWallet’s most recent analysis, here's what 20-year-olds in Virginia Beach pay, on average.

CompanyRateNerdWallet Rating
Geico$2,629
NerdWallet rating 

5.0

/5
Travelers$2,659
NerdWallet rating 

5.0

/5
Erie$2,929
NerdWallet rating 

4.0

/5
Auto-Owners Insurance$3,043
NerdWallet rating 

5.0

/5
Penn National$3,115Not yet rated
Virginia Farm Bureau$3,436Not yet rated
Chubb$3,439
NerdWallet rating 

4.5

/5
Progressive$3,737
NerdWallet rating 

4.5

/5
Mercury$4,111
NerdWallet rating 

4.0

/5
Encompass$4,604
NerdWallet rating 

4.0

/5

Cheapest for 35-year-olds

By 35, your car insurance rates should plateau. This is a great age to compare rates, as the cheapest insurer you found in your 20s may no longer be the best deal.

Here’s what 35-year-old drivers might pay, on average, in Virginia Beach, according to NerdWallet’s analysis.

CompanyRateNerdWallet Rating
Virginia Farm Bureau$899Not yet rated
Auto-Owners Insurance$1,346
NerdWallet rating 

5.0

/5
Geico$1,370
NerdWallet rating 

5.0

/5
Erie$1,394
NerdWallet rating 

4.0

/5
Travelers$1,468
NerdWallet rating 

5.0

/5
Penn National$1,495Not yet rated
Chubb$1,747
NerdWallet rating 

4.5

/5
Progressive$1,830
NerdWallet rating 

4.5

/5
Main Street America$1,872Not yet rated
Mercury$1,927
NerdWallet rating 

4.0

/5

Cheapest for 60-year-olds

At age 60, your car insurance rates are about as low as they're going to get if your history is clean. Most drivers in this age group have lots of experience on the road and established driving records, so insurers know what they're getting into and charge less accordingly. That doesn't mean you won't be able to save money by bundling or tapping into other discounts, so keep shopping around. Below are the cheapest companies, on average, in Virginia Beach, according to NerdWallet’s most recent analysis.

CompanyRateNerdWallet Rating
Virginia Farm Bureau$739Not yet rated
Travelers$1,196
NerdWallet rating 

5.0

/5
Erie$1,196
NerdWallet rating 

4.0

/5
Geico$1,269
NerdWallet rating 

5.0

/5
Auto-Owners Insurance$1,273
NerdWallet rating 

5.0

/5
Penn National$1,293Not yet rated
Mercury$1,445
NerdWallet rating 

4.0

/5
Main Street America$1,511Not yet rated
Chubb$1,532
NerdWallet rating 

4.5

/5
Cincinnati Insurance$1,538Not yet rated

Virginia Beach’s cheapest companies and rates by driving record

Your driving history also plays a large role in your auto insurance rate. Drivers who have clean records will usually pay less than those with accidents, speeding tickets or other violations. Again, comparing insurance companies is your best bet to getting the lowest rate.

According to NerdWallet’s analysis, these are the average rates in Virginia Beach by company for good drivers and those with violations on their record.

Good drivers

Drivers without any marks on their records are almost always going to pay the lowest prices for auto insurance when compared to drivers with an accident or driving violation. Insurers set rates based on the potential risk of you filing a claim, and good drivers are considered among the least risky. Here are the average rates for good drivers in Virginia Beach according to NerdWallet’s most recent analysis.

CompanyRateNerdWallet Rating
Virginia Farm Bureau$899Not yet rated
Auto-Owners Insurance$1,346
NerdWallet rating 

5.0

/5
Geico$1,370
NerdWallet rating 

5.0

/5
Erie$1,394
NerdWallet rating 

4.0

/5
Travelers$1,468
NerdWallet rating 

5.0

/5
Penn National$1,495Not yet rated
Chubb$1,747
NerdWallet rating 

4.5

/5
Progressive$1,830
NerdWallet rating 

4.5

/5
Main Street America$1,872Not yet rated
Mercury$1,927
NerdWallet rating 

4.0

/5

Drivers with a DUI

Drivers with a DUI can struggle to find affordable insurance and may need to turn to a high-risk car insurance company. A DUI on your record means you should expect to pay substantially more than a driver without one.

Here are the average rates for drivers with a DUI in Virginia Beach according to NerdWallet’s most recent analysis.

CompanyRateNerdWallet Rating
Virginia Farm Bureau$1,111Not yet rated
Travelers$2,246
NerdWallet rating 

5.0

/5
Auto-Owners Insurance$2,373
NerdWallet rating 

5.0

/5
Erie$2,378
NerdWallet rating 

4.0

/5
Progressive$2,400
NerdWallet rating 

4.5

/5
Mercury$2,735
NerdWallet rating 

4.0

/5
Geico$2,778
NerdWallet rating 

5.0

/5
State Farm$3,217
NerdWallet rating 

5.0

/5
National General$3,225
NerdWallet rating 

3.0

/5
Penn National$3,445Not yet rated

Drivers with an at-fault accident

If you've got an at-fault accident on your record, you'll pay more than a driver with a clean record, but likely less than someone with a DUI. Your insurance company may ask for details about the accident to determine your rate — a fender bender will likely be treated differently from an accident caused by running a red light. Here are the cheapest average rates for drivers with an at-fault accident on their record in Virginia Beach, according to NerdWallet’s most recent analysis.

CompanyRateNerdWallet Rating
Virginia Farm Bureau$899Not yet rated
Auto-Owners Insurance$1,346
NerdWallet rating 

5.0

/5
Erie$1,941
NerdWallet rating 

4.0

/5
Geico$1,963
NerdWallet rating 

5.0

/5
Travelers$2,045
NerdWallet rating 

5.0

/5
Penn National$2,155Not yet rated
Chubb$2,362
NerdWallet rating 

4.5

/5
Progressive$2,697
NerdWallet rating 

4.5

/5
State Farm$2,770
NerdWallet rating 

5.0

/5
Nationwide$3,041
NerdWallet rating 

4.5

/5

Shop around to get cheap insurance

No matter what company you're currently getting auto insurance from, remember that it's important to shop around and compare quotes from multiple companies. Prices and offers change over time, and you may be able to save by switching to another insurer.

Be sure to take advantage of potential discounts. Many insurers offer car insurance discounts for things like bundling other types of insurance with your auto policy or going years without filing a claim.

Methodology

For our “good driver” profile, NerdWallet found median insurance estimates in the city for single male and female drivers with good credit and no tickets or violations. The analysis included the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not made available.

We used a 35-year-old driver (unless a different age is stated) and a 2021 Toyota Camry LE and assumed 12,000 annual miles driven.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Where required by law, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

These are median rates generated through Quadrant Information Services. Your own rates will be different.