Virginia Beach Car Insurance Costs
Welcome to the sunny shores of Virginia Beach, a place where pristine beaches, vibrant coastal living, and the need for comprehensive car insurance meet. Nestled along the Atlantic Ocean, Virginia Beach is a city that beckons with its picturesque landscapes and lively community. Whether you’re a long-time resident of this coastal haven or are considering relocating to the area, you understand the importance of securing the right car insurance coverage.
At InsuranceQuotes, we’re here to help you compare and find the cheapest car insurance options for Virginia Beach.
We can help you compare data to answer the questions of – How much should I expect to pay for car insurance in Virginia Beach?
Average Virginia Beach Car Insurance Rates:
- State Minimum Liability: You can expect to pay $75 a month or $895 a year.
- Full Coverage: You can expect to pay $198 a month or $2,379 a year.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in your city – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Drivers in VA should compare multiple car insurance coverage options that may be cheaper than the average rates – we will breakdown costs throughout this guide. Knowing average auto insurance costs beforehand is helpful when using InsuranceQuotes to compare free local and national provider quotes so you can know what to expect when searching for a new policy.
Who Has the Cheapest Car Insurance in Virginia Beach?
- In Virginia Beach the cheapest auto insurance providers on average are State Farm, USAA and Allstate.
- State minimum liability car insurance starts at $59 a month or $704 a year.
- Full coverage car insurance would cost around $158 a month or $1,902 a year.
Here is a breakdown of average costs from the cheapest local insurance providers in the state from our data set of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Company: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| State Farm | $704 | $59 | $1,902 | $158 |
| USAA | $735 | $61 | $2,028 | $169 |
| Allstate | $957 | $80 | $3,102 | $258 |
| GEICO | $963 | $80 | $2,530 | $211 |
| Progressive | $1,119 | $93 | $2,332 | $194 |
| Average Cost: | $895 | $75 | $2,379 | $198 |
Auto Insurance Rates by Age in VA
Statistics show that younger drivers, particularly teenagers and drivers in their early twenties, are more likely to be involved in accidents due to their limited driving experience and potential risky behavior on the road. Drivers older than 25 will see a significant drop in their auto policy costs as they are moved into the middle aged cost tier group for coverage.
Virginia insurance providers use age as a factor that influences your auto rates and cost quotes you receive. Younger drivers tend to face higher annual premiums compared to mature, more experienced drivers.
* Full Coverage – Average Costs by Age:
- 17 – 25 years: $4,706 yearly – $392 monthly
- 25 – 54 years: $2,384 yearly – $199 monthly
- 55+ years: $2,611 yearly – $218 monthly
* State Minimum Liability – Average Costs by Age:
- 17 – 25 years: $1,446 yearly – $121 monthly
- 25 – 54 years: $745 yearly – $62 monthly
- 55+ years: $903 yearly – $75 monthly
Here is a full breakdown of the average costs for car insurance by age in Virginia:
| Age: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| 17 | $2,162 | $180 | $6,808 | $567 |
| 18 | $1,869 | $156 | $5,962 | $497 |
| 20 | $1,302 | $109 | $4,383 | $365 |
| 22 | $1,003 | $84 | $3,348 | $279 |
| 24 | $896 | $75 | $3,031 | $253 |
| 29 | $783 | $65 | $2,585 | $215 |
| 34 | $745 | $62 | $2,436 | $203 |
| 39 | $743 | $62 | $2,399 | $200 |
| 44 | $745 | $62 | $2,372 | $198 |
| 49 | $742 | $62 | $2,338 | $195 |
| 54 | $714 | $59 | $2,168 | $181 |
| 64 | $725 | $60 | $2,143 | $179 |
| 74 | $940 | $78 | $2,708 | $226 |
| 76 | $1,044 | $87 | $2,981 | $248 |
How Much Car Insurance Do I Need in Virginia?
The amount of car insurance you should get in Virginia, like in most states, is determined by the state’s minimum coverage requirements and your individual needs and circumstances. In Virginia, the minimum required coverage includes:
- Bodily Injury Liability (BIL) Coverage:
- Minimum coverage: $25,000 per person and $50,000 per accident
- Property Damage Liability (PDL) Coverage:
- Minimum coverage: $20,000 per accident
These are the minimum legal requirements to drive in Virginia. In many cases, it is recommended to carry coverage beyond the state minimum in VA to provide more protection in case of accidents. Here are some additional types of coverage you might want to consider:
- Uninsured/Underinsured Motorist Coverage (UM/UIM): This coverage can protect you if you’re in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your expenses.
- Comprehensive Coverage: This covers damages to your vehicle caused by things other than accidents, such as theft, vandalism, or weather-related events.
- Collision Coverage: This covers the cost of repairs to your vehicle if you’re in an accident, regardless of who is at fault.
- Medical Payments Coverage: This pays for medical expenses related to injuries sustained in an accident.
The amount of coverage you should get really depends on your financial situation, the value of your vehicle, and your personal preferences. It’s advisable to discuss your specific needs with your insurance agent who can provide guidance tailored to your circumstances.
If high cost insurance is not an option for you, Virginia law allows you to pay an uninsured motor vehicle fee. This allows you to register and operate your vehicle for a year. However, it isn’t insurance, and you can be held liable if you cause an accident.
How Much Does a Driving Record Violation Increase Insurance Rates?
Driving violations can have a significant impact on your car insurance costs in Virginia, as they indicate a higher level of risk to insurance providers. When you receive a driving violation, such as a speeding ticket or a DUI, your insurance company may consider you a higher-risk driver, which can lead to an increase in your insurance premiums for the foreseeable future.
Here is a breakdown of full coverage car insurance cost increases with driving violations:
- Clean Driving Record: Average annual premium cost of $2,561
- Speeding Tickets: 19% increase of an extra $507 a year at $3,068
- At-Fault Accident: 41% increase of an extra $1,066 a year at $3,627
- DUI/DWI: 48% increase of an extra $1,228 a year at $3,789
| Insurance Company: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Clean Record | $807 | $67 | $2,561 | $213 |
| 1 Speeding Violation | $959 | $80 | $3,068 | $256 |
| 1 At-Fault Accident | $1,145 | $95 | $3,627 | $302 |
| 1 DUI Violation | $1,207 | $101 | $3,789 | $316 |
Popular Auto Insurance Cost Guides by City
See a more in depth guide for auto insurance costs broken down by popular cities in Virginia.
