Car Insurance Quotes Virginia Beach
Car Insurance Quotes Virginia Beach
Car insurance is a necessity for drivers, but the factors influencing its cost can be complex. In Virginia Beach, rates are affected by factors such as road conditions, accident frequency, and weather patterns. The average car insurance rate in Virginia is $2,024 annually, while in Virginia Beach, it’s slightly higher at $2,165. Rates can also vary within Virginia Beach itself, with different ZIP codes experiencing different premiums based on local accident and theft rates. a 35-year-old driver with good credit and a clean record might find varying median rates across the city’s most populated ZIP codes: 23464 pays $2,164, 23462 pays around $2,241, and 23456 pays up to $2,143
Virginia mandates minimum liability coverage to ensure financial responsibility in the event of an accident. The minimum requirements include bodily injury liability coverage of $30,000 per person and $60,000 per accident, along with property damage liability coverage of $20,000. drivers must have underinsured/uninsured motorist coverage at 25/50/20. These minimums are set to increase in 2025 to $50,000 for bodily injury per person, $100,000 for bodily injury per accident, and $25,000 for property damage, reflecting the rising costs of medical care and vehicle repairs. Full coverage, which includes collision and comprehensive coverage, provides more extensive protection. To legally operate a vehicle, drivers must either have the minimum required insurance coverage or face penalties.
Car insurance rates in Virginia Beach are influenced by a combination of individual characteristics, location-specific factors, and coverage choices these elements can empower drivers to make informed decisions, shop strategically for the best rates, and ensure they have adequate financial protection. While Virginia mandates certain minimum coverage levels, assessing personal risk tolerance and financial circumstances is key to determining the most appropriate and comprehensive car insurance policy.
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Average car insurance cost in Virginia Beach and Virginia
According to a recent analysis, the average rate in Virginia is $2,024, while in Virginia Beach it is $2,165. Several factors influence rates in Virginia, including the type of roads, the number of accidents, and even the weather.
- Median city rate is $2,165
- Median state rate is $2,024
Average cost of car insurance in Virginia Beach’s largest ZIP codes
How much you pay for car insurance might differ depending on where you stay. The amount you pay may go up in some areas because of increased accident or theft rates. These are Virginia Beach’s most populous ZIP codes based on 2025 data, along with yearly premiums for auto insurance for a 35-year-old driver with good credit and a spotless driving record.
ZIP Median rate
23464………$2,164
23462………$2,241
23456………$2,143
23452………$2,151
23454………$2,163
23455………$2,232
23451………$2,162
23453……..$2,197
23457……..$2,218
23460…….$2,201
Virginia Beach car insurance rates by credit score
Drivers in Virginia Beach with low credit scores (300–579) pay a staggering 107% more for insurance than drivers with good credit (800–850). 33% of Virginia Beach drivers, according to our research, have an average credit score (580-679). USAA is the most cost-effective choice for Virginia Beach drivers with this kind of credit in 2025.
Company Avg. 6 Mo. Premium
Nationwide………………………..$766
GEICO………………………………$802
Virginia Farm Bureau…………$931
Auto-Owners……………………..$975
USAA………………………………..$1,009
State Farm…………………………$1,255
Progressive………………………..$1,324
Allstate……………………………..$1,427
What type of car insurance is required in Virginia Beach?
The state of Virginia requires a minimum liability coverage level of 30/60/20 and underinsured/uninsured motorist coverage at 25/50/20.
What is Considered Full Coverage Auto Insurance in Virginia?
According to the Virginia Department of Motor Vehicles, drivers must prove that their vehicle is covered by the minimum insurance coverage to buy license plates or decals, or else they will be required to pay the $500 Uninsured Motor Vehicle fee. Required minimum coverage for car insurance in Virginia includes:
- $25,000 for bodily injury or death of one person
- $50,000 for bodily injury or death of two or more people
- $20,000 for property damage
Is it illegal to drive without car insurance in Virginia?
Virginia is one of the states that allows you to ignore liability coverage if you can prove you have the financial means necessary to cover your liability requirements on your own. However, in 2025, this requirement was modified, and drivers are now required to purchase minimum coverage. For additional information visit here
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