Auto Insurance in Virginia Beach

The average Virginia Beach car insurance rates are $170/mo. Virginia Beach car insurance must meet 25/50/20 minimum coverage requirements for drivers in Virginia.

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Reviewed byJoel Ohman
Founder, CFP®

UPDATED: Jun 22, 2020

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Here's what you need to know...
  • Virginia Beach is an extremely popular tourist city in Virginia
  • Weather plays an important part in car insurance rates in Virginia Beach
  • Remember to drive safely according to the road laws in the city
  • VA minimum car insurance coverage requirements are 25/50/20 for bodily injury and property damage

When you hear the words Virginia Beach, most people think of the beach itself and not car insurance. However, the city of Virginia Beach is one of the largest cities in Virginia.

Almost half a million people live in the city, and large amounts of people continue to move into the area.

In fact, many people stationed at local military bases choose to live in the city itself due to the great quality of life.

Virginia Beach is also near the cities the following cities that can get quite congested at times:

With all this traffic, one is going to need to find adequate car insurance. Enter your ZIP code into the FREE tool above to compare rates now!

Cost of Insurance


Due to the above factors, it can be expensive to be insured in Virginia Beach. In order to get low car insurance rates, you should definitely compare insurance rates for many different companies.

In addition, some companies offer military rates which can be helpful. Usually, these companies will give military members reduced rates during deployments as long as the car is not being driven.

On average, Virginia Beach residents pay about $170 per month for average car insurance.

Of course, you may pay significantly less depending on your age, your driving record, and other factors.

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Free Car Insurance Comparison

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Popular Tourist Destination

Virginia Beach is one of the most popular tourist destinations in the country. This can keep car insurance companies very busy.

Since the weather is nice most of the year, the locals can have some difficulty driving in less than ideal driving conditions.

A few flakes of snow have been known to cause quite a commotion on the roadways including numerous accidents in a short amount of time.

Because the area is so flat and close to sea level, rain can pool on the roadways and cause accidents.

In fact, some of the older locals avoid driving on the interstates during heavy rain storms for just that reason.

Dealing with the Traffic

traffic in virginia beach

Traffic jams are not uncommon in the area, although the motorists tend to be very relaxed about such things.

One of the biggest reasons for traffic jams is car accidents.

Because most of the roads do not have shoulders, an accident can really affect the traffic patterns which means that traffic can back up for miles.

The area also has many tunnels, and an accident in a tunnel can bring traffic to a standstill for hours until the accident is cleared and the integrity of the tunnel is checked.

Traffic Tips for Driving in Virginia Beach

The following are some ways to be smart driver during Virginia Beach traffic and stay away from car insurance accident statistics:

  • When traveling in the city, it is best to allow plenty of time to reach your destination. Stay alert for changing traffic patterns and motorists who may be concentrating more on texting instead of driving.
  • Also remember that a red light means STOP! The city has installed many cameras at intersections in order to stop people from running the red lights. If you are caught, you can pay a $50 fine.
  • Down at the beach during the evening, you should be alert for drunk drivers.
  • If you do not want to deal with traffic, avoid driving during rush hour in the morning and evening.

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Car Insurance Companies

All of the major companies insure vehicles in the area, although new companies start up all the time.

When choosing car insurance, you want to choose a reliable company with a good customer service record.

If you have questions, you can check with an insurance agent or with the Better Business Bureau.

Whether you are just in town visiting, or if you are relocating to the area, you need to make sure that you have good car insurance. However, good car insurance does not need to cost a lot of money.

Check online for the top car insurance company choices and the best insurance rates. Enter your ZIP code and find cheap car insurance for Virginia Beach!

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