Car Insurance in Virginia Beach, Virginia
Estimated full coverage in Virginia Beach runs about $1,435 a year ($120/month) — ▲ +5% versus the Virginia average, ranking 7th most expensive of the 13 Virginia cities we cover.
Why car insurance in Virginia Beach costs more than the Virginia average
Insurers price by territory, and Virginia Beach's numbers explain most of the gap. With 454,808 residents on 244.7 square miles, the city's density (1,859 people per square mile) is 4.9 times the density where the typical Virginia resident lives (378). The average commute is 23.4 minutes (Virginia: 27.3), and 74% of workers drive alone. Together these put our location factor at 1.05× the state baseline for liability and collision, and 1.03× for comprehensive once FEMA weather risk for Virginia Beach city is included.
| Factor | Virginia Beach | Virginia ref. | Why it matters |
|---|---|---|---|
| Population density | 1,859 / sq mi | 378 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 23.4 min | 27.3 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 3.9% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 74.0% | — | Share of workers commuting by car. |
| Public transit to work | 0.8% | — | Transit use lowers how much residents drive. |
| Work from home | 14.3% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 4.6% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 53.3 | 62.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Virginia Beach
Rates can change from one ZIP code to the next. Across 12 Virginia Beach ZIP codes, our full-coverage estimate ranges from $1,220 in 23460 to $1,525 in 23462. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 23464 | 75,061 | 4,503 | 23.8 min | 3.9% | $1,505 | +5% |
| 23462 | 66,151 | 5,998 | 23.5 min | 5.9% | $1,525 | +6% |
| 23456 | 61,911 | 1,235 | 25.6 min | 1.0% | $1,430 | 0% |
| 23452 | 58,455 | 3,865 | 22.9 min | 4.9% | $1,485 | +3% |
| 23454 | 58,178 | 2,586 | 23.2 min | 5.9% | $1,460 | +2% |
| 23455 | 49,977 | 3,294 | 22.8 min | 3.1% | $1,470 | +2% |
| 23451 | 44,012 | 2,227 | 23.2 min | 6.0% | $1,445 | +1% |
| 23453 | 34,482 | 3,779 | 23.1 min | 6.8% | $1,485 | +3% |
| 23457 | 4,814 | 71 | 31.0 min | 0.5% | $1,295 | −10% |
| 23459 | 1,324 | 790 | 11.9 min | — | $1,250 | −13% |
| 23460 | 1,041 | 174 | 9.1 min | — | $1,220 | −15% |
| 23461 | 943 | 750 | 9.6 min | — | $1,220 | −15% |
Minimum car insurance in Virginia Beach
Virginia Beach drivers follow Virginia's rules: at least 50/100/25 liability coverage, and uninsured motorist coverage. Virginia is at-fault (tort). We estimate state-minimum coverage in Virginia Beach at $660 a year, and $795 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $50,000 per person / $100,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Virginia does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 50/100/25 Every liability policy must include uninsured motorist coverage at no less than the minimum liability limits. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | Yes | 50/100/25 Virginia's required uninsured motorist coverage also protects against underinsured drivers. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical expense benefits coverage is optional. | Medical bills for you and your passengers |
Every vehicle registered in Virginia must be insured; paying an uninsured motor vehicle fee instead of buying insurance is no longer allowed.
Minimums were raised recently from 30/60/20, and the uninsured motor vehicle fee option was eliminated.
Risk factors that shape Virginia Beach premiums
Accidents
Virginia recorded 917 traffic deaths, or 1.04 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Virginia's vehicle theft rate is 112 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Honda Accord (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Virginia Beach city as relatively low for hail, very low for inland flooding and very low for strong wind, and relatively moderate for hurricanes.
Traffic & commuting
3.9% of Virginia Beach commuters spend an hour or more getting to work, and there are 1.93 vehicles per household. 14.3% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 54.7 | Comprehensive (car); roof claims (home) | |
| Tornado | 66.7 | Comprehensive; dwelling | |
| Hurricane | 88.9 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 27.9 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 67.4 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 14.2 | Comprehensive; dwelling | |
| Winter weather | 37.3 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Virginia Beach by driver profile
A clean-record driver in their 50s pays the least in our Virginia Beach model (about $1,320 for full coverage); an 18-year-old on their own policy pays about $3,950, and a DUI pushes a 30-something to $2,655.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,815 | $2,195 | $3,950 | $329 |
| Young adult (22) | $1,055 | $1,275 | $2,300 | $192 |
| Adult in their 30s | $660 | $795 | $1,435 | $120 |
| Adult in their 50s | $605 | $735 | $1,320 | $110 |
| Senior (72) | $740 | $895 | $1,610 | $134 |
| 30s, one at-fault accident | $955 | $1,155 | $2,085 | $174 |
| 30s, DUI on record | $1,220 | $1,475 | $2,655 | $221 |
Minimum vs. standard vs. full coverage in Virginia Beach
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $660 | $55 | $540–$780 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $795 | $66 | $655–$940 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,435 | $120 | $1,180–$1,695 |
Estimate your premium in Virginia Beach
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Cheap car insurance in Virginia Beach: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Virginia Beach's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $90 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $100 | You're among the 14.3% of Virginia Beach workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $355 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $640 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $315 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Virginia Beach
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 57 offices listed below.
- Check complaint records with the Virginia Bureau of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Virginia Beach, our estimates differ by up to $305 a year between neighborhoods.
Car insurance agents near Virginia Beach, VA
We found 57 insurance offices within about 12 miles of central Virginia Beach, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Adrienne Link - Allstate
1581 General Booth Blvd, Virginia Beach, VA 23454 -
State Farm
VA -
Resolve Insurance Group
1100 Eaglewood Drive, #400, Virginia Beach, VA 23454 -
Alex Tzekovsky - State Farm Insurance Agent
2041 Fisher Arch, #130, Virginia Beach, VA 23456 -
Ralph M. Rios - Allstate
2492 North Landing Rd, Ste 101, Virginia Beach, VA 23456 -
Aubrey Pithwa - State Farm
562 Lynnhaven Pkwy, Suite 201, Virginia Beach, VA 23452 -
State Farm
VA -
State Farm
315 North Great Neck Road, #220, Virginia Beach, VA 23454 -
Direct Auto Insurance
2052 South Independence Boulevard, #3, Virginia Beach, VA 23453 -
Paula Faivre - State Farm Insurance Agent
2052 South Independence Boulevard, #7, Virginia Beach, VA 23453 -
Allstate
VA -
Lee Hudson - State Farm
244 Mustang Trl, Ste 1, Virginia Beach, VA 23452 -
Anthony Ciambrone - Allstate
2726 Virginia Beach Blvd, Virginia Beach, VA 23452 -
Amanda McCall - Allstate
3101 Va Beach Blvd, Ste 110, Virginia Beach, VA 23452 -
Mike McCall: Allstate Insurance
3101 Virginia Beach Boulevard, #110, Virginia Beach, VA 23452 -
Kimberly Hitchman - State Farm Insurance Agent
3101 Virginia Beach Boulevard, #112, Virginia Beach, VA 23452 -
Atlantic Charter Insurance Group
3008 Virginia Beach Boulevard, Virginia Beach, VA 23452 -
Tonya Edwards - State Farm
921 First Colonial Road, Suite 1701, Virginia Beach, VA 23454 -
Rose Goheen - State Farm
3415 Virginia Beach Boulevard, Virginia Beach, VA 23452 -
Timothy Mcmahon Pope - Farmers Insurance
1100 Laskin Rd, Virginia Beach, VA 23451 -
Meincke Insurance Agency
1065 Laskin Rd, Ste 102, Virginia Beach, VA 23451 -
Richard C. Barbosa, II - Allstate
4540 Princess Anne Rd, Ste 126, Virginia Beach, VA 23462 -
Brett Pendergast - State Farm
498 S. Independence Blvd., Virginia Beach, VA 23452 -
Andrea Morris - Allstate
460 Investors Pl, Ste 202, Virginia Beach, VA 23452 -
Matthew Sanderson State Farm
4216 Virginia Beach Boulevard, #110, Virginia Beach, VA 23452 -
Anthony Knight - Allstate
4221 Pleasant Vall Rd, Ste 105, Virginia Beach, VA 23464 -
Bill Wright - State Farm
4316 Virginia Beach Boulevard, #D, Virginia Beach, VA 23452 -
John Warren - Allstate
1348 N Great Neck Rd, Ste 1306, Virginia Beach, VA 23454 -
Greg Holestin - GEICO
4389 Virginia Beach Boulevard, Virginia Beach, VA 23462 -
USI Insurance
VA -
Kenneth Blake Stephens - Farmers Insurance
4456 Corporation Ln, Virginia Beach, VA 23462 -
Steve Young - State Farm
5029 Corporate Woods Drive, Ste 200, Virginia Beach, VA 23462 -
Arthur Charles Ermlich - Farmers Insurance
4605 Pembroke Lake Cir, Virginia Beach, VA 23455 -
Jason McMahan - Allstate
1300 Kempsville Rd, Ste 2, Virginia Beach, VA 23464 -
Milt Rawles - State Farm
5265 Providence Rd, Ste 200, Virginia Beach, VA 23464 -
Kathy Verschelde - Allstate
5237 Princess Anne Rd, Virginia Beach, VA 23462 -
Rhonda Floasin - State Farm
1115 Independence Blvd, Suite 214, Virginia Beach, VA 23455 -
Pierre Granger - State Farm
5705 Lynnhaven Parkway, Suite 104, Virginia Beach, VA 23464 -
Nationwide
VA -
Dell Lawson - Allstate
1145 Independence Blvd, Virginia Beach, VA 23455
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Virginia Beach
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,085 | −24% |
| Subaru Outback | Wagon | $1,070 | −25% |
| Tesla Model 3 | Midsize car | $1,510 | +5% |
| Subaru Forester | Small SUV | $1,045 | −27% |
| Honda Civic | Compact car | $1,645 | +15% |
| Toyota Corolla | Compact car | $1,540 | +7% |
| Jeep Wrangler | Midsize SUV | $1,220 | −15% |
| Mazda CX-5 | Small SUV | $1,220 | −15% |
| MINI Cooper | Subcompact car | $1,090 | −24% |
| Tesla Model Y | Midsize SUV | $1,360 | −5% |
More car insurance topics in Virginia Beach
Car insurance in nearby Virginia cities
- Norfolk $1,515/yr · 15 mi
- Chesapeake $1,405/yr · 17 mi
- Hampton $1,460/yr · 24 mi
- Newport News $1,470/yr · 26 mi
- Suffolk $1,375/yr · 34 mi
- Richmond $1,475/yr · 95 mi
- Fredericksburg $1,575/yr · 132 mi
- Alexandria $1,665/yr · 152 mi
- Charlottesville $1,415/yr · 160 mi
- Lynchburg $1,340/yr · 180 mi
- Danville $1,350/yr · 188 mi
- Roanoke $1,400/yr · 219 mi
All Virginia cities and state rules · Homeowners insurance in Virginia Beach
Frequently asked questions
How much is car insurance in Virginia Beach, VA?
We estimate full coverage in Virginia Beach at about $1,435 a year ($120 a month) for a driver in their 30s with a clean record, and about $660 for Virginia's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Virginia Beach more expensive than the Virginia average?
Our Virginia Beach estimate is 5% higher than the statewide figure. The model reflects a population density of 1,859 people per square mile (the typical Virginia resident lives at about 378) and an average commute of 23.4 minutes versus 27.3 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Virginia Beach?
Drivers in Virginia Beach follow Virginia law: at least 50/100/25 liability coverage and uninsured motorist coverage.
Which ZIP code in Virginia Beach has the cheapest car insurance?
Among Virginia Beach's 12 ZIP codes, 23460 has the lowest estimate (about $1,220 a year for full coverage) and 23462 the highest (about $1,525), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Virginia Beach?
An 18-year-old with their own full-coverage policy would pay around $3,950 a year in Virginia Beach by our estimate ($1,815 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Virginia Beach?
FEMA's National Risk Index does not rate Virginia Beach city as high risk for hail, hurricanes, flooding or tornadoes, so weather has a smaller effect on the comprehensive part of local premiums.
Are there car insurance agents near me in Virginia Beach?
We list 57 insurance offices in and around Virginia Beach, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Virginia DMV: Vehicle Insurance Coverage Requirements Change January 1
- Virginia DMV: Insurance Requirements
- Virginia DMV: New Laws Take Effect July 1, 2024 (UMV fee eliminated)
- Code of Virginia 38.2-2206 (uninsured motorist insurance coverage)
- Virginia DMV: Financial Responsibility Certifications (SR-22/FR-44)
- Virginia DMV: A Guide to Reinstating Your Virginia Driving Privilege
- Virginia SCC Bureau of Insurance: File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Virginia Beach and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places