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How much is car insurance in Virginia Beach?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that auto insurance rates in Virginia Beach are in line with rates across the rest of Virginia.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Virginia Beach is rather affordable. It's about $19 cheaper to insure your vehicle in Virginia Beach compared to the average rate for the U.S. as a whole.
Bear in mind that while these are the average car insurance rates for Virginia Beach, you could end up paying something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
We've analyzed the average rate for Virginia Beach and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement, however, your rates may creep back up a bit in Virginia Beach.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. The price for auto insurance in Virginia Beach, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records can expect to pay less than those with accidents or violations. In Virginia Beach, a driving record with a single accident will usually get you a rate around $81 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $76.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$63|
|15 Years or Older||$61|
In Virginia Beach, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $55 per month for insurance coverage.
Car owners will see a monthly rate of about $63, while SUV owners typically pay around $64 a month.
Your vehicle's age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Virginia Beach are vehicles four-to-five years old.
Your vehicle's age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is more than 5 years old. The most expensive vehicles to insure in Virginia Beach, however, are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$66|
On average, married policyholders will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
The difference in rates based on relationship status in Virginia Beach can be as much as $9 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$81|
Your living situation is another factor that affects your monthly rate. Renters can expect to pay around $14 a month more than drivers who own property in Virginia Beach. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.
Car Insurance Companies in Virginia Beach, VA
Recent trends in car insurance for Virginia Beach drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
In Virginia Beach, auto insurance rates had been increasing from 2017-2018, before leveling out in 2019. Rates rose again, reaching a high of $78 in 2021, and finished down at $69 in 2022.
How does Virginia Beach compare to neighboring areas?
Why are car insurance rates in Virginia Beach different from other areas?
Car insurance companies look at numerous factors when they're deciding how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Crime levels
- Access to off-street parking
- Area regulations
- Road Safety (frequency of car accidents)
- Number of drivers in the area
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Virginia Beach?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing policies in Virginia Beach.
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Virginia Beach Insurance FAQs
What factors affect car insurance quotes in Virginia Beach?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Virginia Beach different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Virginia Beach?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Virginia Beach?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Virginia Beach or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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