Table of contents
How much is car insurance in Virginia Beach?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, car insurance rates in Virginia Beach are about the same as the rest of Virginia.
If you're thinking of moving to Virginia Beach from out of state, you may still be in luck. You can expect to pay about $20 below the national average for auto insurance in Virginia Beach.
Although these are the average rates for auto insurance in Virginia Beach, it's important to remember that 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. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
We've done the heavy lifting for you and broken down the average rate for Virginia Beach so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can really work in your favor when it comes to auto insurance.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may begin to climb back up.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Virginia Beach, although women do pay a little bit less on their monthly auto coverage, the price 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 will pay much lower rates than those with accidents or violations. Drivers in Virginia Beach with a single accident will pay around $76 a month. Likewise, drivers with one ticket will be looking at a rate of around $98 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$57|
|15 Years or Older||$59|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Virginia Beach.
Car owners can expect to pay an average of around $60 a month for their policy, while SUVs are usually around $59 to insure each month.
For truck and van drivers, however, their monthly bill totals to about $54.
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)||$64|
On average, people who are married will pay slightly less for their car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
As you can see in the table above, married couples pay about $8 less than single drivers in Virginia Beach.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$81|
Another factor taken into consideration is your living accommodations. Drivers who own property in Virginia Beach can expect to pay around $14 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
However, bundling your home or rental insurance policies with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Virginia Beach, VA
Recent trends in car insurance for Virginia Beach drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
Auto insurance rates in Virginia Beach increased from 2016-2018, before leveling out in 2019. They finished down in 2021, at $67 a month
How does Virginia Beach compare to neighboring areas?
Why are car insurance rates in Virginia Beach different from other areas?
Car insurance companies will take into account numerous factors when figuring out how much to charge for a policy. Many factors affecting your policy are based around where you call home. These factors include things like:
- Availability of off-street parking
- Number of drivers
- Area crime rates
- Road Safety (frequency of local car accidents)
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Virginia Beach?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Good news! Compare.com does all of that work for you. Simply enter your ZIP code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans in Virginia Beach.
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 address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Virginia Beach different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Virginia Beach?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Virginia Beach?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Virginia Beach or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.