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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Virginia Beach drivers pay an average of $151 per month for car insurance, according to Compare.com data. The coastal city has a moderate risk of hurricanes and flooding and a higher-than-average vehicle theft rate, increasing auto insurance costs.[1][2]
Still, many insurance companies offer rates well below the citywide average. For example, Auto-Owners, State Farm, and GEICO offer the cheapest auto insurance in Virginia Beach, with rates starting at $36 per month.
We analyzed the data to find the cheapest car insurance companies in Virginia Beach for different drivers. We’ll also show you how to choose the best company and save money on your coverage.
Auto-Owners offers the cheapest car insurance in Virginia Beach, with an average rate of $36 per month.
Liability-only rates in Virginia Beach average $117 per month, while full coverage costs an average of $186.
Virginia drivers must have at least 50/100/25 of liability insurance to legally drive.[3]
Regardless of how much you pay for insurance in Virginia Beach, you can still try to find ways to save money. Comparing car insurance quotes from multiple companies can help you find the cheapest coverage. But make sure to compare the same coverage types, limits, and deductibles.
The table below lists Virginia Beach’s cheapest auto insurers, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| Auto-Owners | $36 |
| State Farm | $37 |
| GEICO | $49 |
| USAA | $49 |
| Chubb | $54 |
| Erie | $56 |
| Clearcover | $58 |
| Nationwide | $64 |
| Mercury | $76 |
| Allstate | $77 |
| Progressive | $89 |
| Direct Auto | $97 |
| Elephant | $98 |
| National General | $102 |
| Travelers | $103 |
| CSAA | $104 |
| GAINSCO | $112 |
| Root | $113 |
| Safeco | $120 |
| Bristol West | $130 |
| Dairyland | $139 |
| AssuranceAmerica | $147 |
| The General | $173 |
| Liberty Mutual | $173 |
Auto-Owners has the cheapest premiums in Virginia Beach, averaging $36 per month.
But keep in mind that the cheapest company for you can vary depending on your driver profile and coverage needs. In the sections below, we crunched the numbers to find the most affordable insurer in Virginia Beach for different drivers.
Compare personalized quotes from top insurance companies.
Although the companies in the table above are a good place to start gathering quotes, your rates can vary based on factors like your age, driving record, credit history, ZIP code, and coverage options.
The table below lists the cheapest auto insurers by different driver profiles and coverage types, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Auto-Owners | $36 |
| Full coverage | Auto-Owners | $63 |
| Teens | Auto-Owners | $64 |
| Seniors | Auto-Owners | $28 |
| Drivers with a speeding ticket | Auto-Owners | $46 |
| Drivers with an at-fault accident | Auto-Owners | $48 |
| Drivers with a DUI | Auto-Owners | $57 |
| Drivers with excellent credit | Auto-Owners | $32 |
| Drivers with poor credit | Auto-Owners | $49 |
The following sections break down each driver and coverage type and which insurance companies offer the cheapest rates.
Drivers in Virginia Beach pay an average monthly rate of $117 for state-minimum coverage. But most insurance experts recommend buying extra liability insurance. More coverage helps protect your finances if you cause an accident and the damages exceed the minimum limits.
The chart below shows the cheapest insurers for state-minimum coverage in Virginia Beach, according to our research.
Most Virginia Beach drivers should consider full-coverage car insurance. Although it costs more than state-minimum coverage, it provides physical damage coverage for your vehicle and can sometimes include medical payments coverage for you and your passengers, as well. And if you finance or lease your car, your lender usually requires you to purchase full-coverage insurance to protect their investment.
Drivers in Virginia Beach pay an average of $186 per month for full-coverage insurance. But several insurers in Virginia Beach typically offer full-coverage policies for close to the average price of liability-only insurance.
The chart below shows the five cheapest companies in Virginia Beach for full-coverage insurance, according to Compare.com data.
Teens typically pay more for insurance than other age groups. Young drivers have less experience and are likelier to engage in risky behaviors when driving, like speeding and not wearing a seat belt.[4]
Teen drivers in Virginia Beach pay an average of $285 per month for car insurance, according to our data. But you should shop around to find the lowest rate if you need coverage for a young driver.
The chart below shows the five cheapest car insurance companies in Virginia Beach for teens, according to Compare.com data.
On the other hand, seniors enjoy some of the cheapest premiums of any age group.[5] That’s because they usually don’t drive as much and they have more experience behind the wheel.
Our research shows Virginia Beach seniors pay an average of $120 per month for car insurance. But even with affordable average rates, you can always try to find cheaper coverage.
The chart below shows the five cheapest insurers for senior drivers in Virginia Beach, according to Compare.com data.
If you get a speeding ticket, you’ll pay more for car insurance. Tickets and other infractions increase your risk of filing a claim, which insurers consider when issuing and renewing policies. Our research shows a single speeding ticket causes national average rates to increase by 29%.
Drivers with a recent ticket in Virginia Beach pay an average of $198 per month for car insurance. But you could pay less if you choose the right insurer.
The chart below shows the five cheapest companies in Virginia Beach for people with a recent speeding ticket, according to Compare.com data.
Your insurance premium may substantially increase if you cause an accident — even more so than a ticket. Our research shows a 33% increase in national average rates after a single at-fault accident.
Drivers with a recent at-fault accident pay an average of $206 per month, according to our data. But you may find a better deal by shopping around.
The chart below shows the five cheapest companies for Virginia Beach drivers with an accident on their record, according to Compare.com data.
A DUI is one of the most severe driving infractions, with the highest rate increase to match. Our research shows average rates increase nationally by a staggering 58% after a DUI conviction.
Virginia Beach drivers with a DUI pay an average monthly rate of $237 for car insurance. But that doesn’t mean you’re stuck paying high rates.
The following chart shows Virginia Beach’s five cheapest insurers for drivers with DUIs, according to Compare.com data.
Some insurers use your credit history to determine insurance rates. We found that drivers with poor credit pay an average of 38% more for auto insurance than people with excellent credit. That’s becase statistics show people who better manage their finances file fewer claims.[6]
Drivers in Virginia Beach with poor credit pay an average of $167 monthly for car insurance. But some insurers offer affordable rates regardless of your credit history.
The chart below shows the five cheapest insurers for Virginia Beach drivers with poor credit, according to Compare.com data.
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Like most U.S. states, Virginia requires all drivers to have car insurance. Virginia drivers must have the following minimum liability coverage as of Jan. 1, 2025:
$50,000 per person of bodily injury liability
$100,000 per accident of bodily injury liability
$25,000 per accident of property damage liability
Although Virginia insurance laws don’t require you to have uninsured/underinsured motorist (UM/UIM) coverage, it may be worth the cost. Around 12% of drivers on Virginia roads don’t have insurance despite it being illegal.[7] If you get hit by an uninsured or underinsured driver, your UM/UIM coverage can pay for your damages if the other driver can’t.
Many Virginia Beach drivers need more than the minimum coverage Virginia insurance laws require. If you total someone else’s vehicle or cause severe injuries, state-minimum liability coverage may not be enough to pay for the damages. You’d be financially responsible for the difference, and the other driver can sue you.
Lenders typically require comprehensive and collision coverage if you finance or lease your vehicle — they may even have deductible requirements. You should also consider gap insurance if your car is worth less than the amount you owe on your loan.
We’ve answered some common questions drivers ask about Virginia Beach auto insurance. Check them out below.
Virginia Beach drivers pay an average monthly cost of $151 for auto insurance. Liability-only car insurance averages $117 per month, and full coverage costs $186, according to Compare.com data.
Auto-Owners offers the cheapest auto insurance in Virginia Beach, with an average rate of $36 per month, according to Compare.com data.
The average cost of car insurance in Virginia Beach is $151 per month, according to our data. Compare that to the national average of $150. Insurance rates depend on several factors, including your address, driving history, and age.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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