Cheapest Car Insurance In Virginia Beach, VA 2026
Auto-Owners offers Virginia Beach’s cheapest minimum car insurance, with an average monthly premium of $36.
We’ve saved shoppers an average of $600 per year on their car insurance.
Auto-Owners and State Farm currently offer the cheapest car insurance in Virginia Beach, with minimum liability policies starting around $36 per month. For full coverage, local residents typically pay an average of $1,164 annually.
Finding the lowest premium requires comparing quotes tailored to your specific zip code, age, and driving history. Securing affordable coverage in this coastal market means evaluating discounts and exploring both regional and national carriers to match your individual risk profile.
What’s Changed In 2026?
- Recent state-mandated increases to minimum liability limits continue pushing baseline car insurance premiums higher for all Virginia drivers.
- Increased coastal flooding risks in the Hampton Roads area have prompted local carriers to adjust comprehensive coverage pricing.
- Rising repair costs and regional traffic density on routes like I-264 currently contribute to higher local collision premiums.
Cheapest Car Insurance Companies In Virginia Beach, VA 2026
Cheapest Liability-only Car Insurance In Virginia Beach: Auto-Owners
For minimum coverage car insurance in Virginia Beach, Auto-Owners provides the best value at $35 per month on average.
Compare rates from various insurers using the table provided below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $36 | $432 |
| Erie | $55 | $660 |
| GEICO | $49 | $588 |
| State Farm | $38 | $456 |
| Nationwide | $62 | $744 |
Cheapest Full Coverage Insurance Rates In Virginia Beach: State Farm
State Farm leads in affordability for full coverage car insurance in Virginia Beach, charging about $66 a month on average.
The table below displays average auto insurance rates from affordable providers serving Virginia Beach.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $66 | $792 |
| Erie | $101 | $1,212 |
| GEICO | $89 | $1,068 |
| USAA | $90 | $1,080 |
| Allstate | $138 | $1,656 |
Cheapest Car Insurance Rates For Seniors: Safeco
Safeco leads with the cheapest car insurance rates for seniors in Virginia Beach, charging around $65 per month.
The following table outlines average quotes from affordable auto insurers catering to seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safeco | $65 | $780 |
| Mercury | $78 | $936 |
| Utica National | $71 | $852 |
| USAA | $84 | $1,008 |
| State Farm | $80 | $960 |
Cheapest Rates In Virginia Beach For Teenagers: Utica National
Teen drivers in Virginia Beach can secure the lowest rates from Utica National, with an average monthly premium of $112.
The table shows which companies offer the most affordable car insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Utica National | $112 | $1,344 |
| State Farm | $218 | $2,616 |
| USAA | $198 | $2,376 |
| Virginia Farm Bureau | $225 | $2,700 |
| Mercury | $200 | $2,400 |
Cheapest Auto Insurance For Young Adults in Virginia Beach: Clearcover
Clearcover leads with the lowest average rates of $87 per month for young adult drivers in Virginia Beach.
The following table lists the cheapest auto insurance providers for young adults in Virginia Beach.
| Provider | Average Monthly Cost | Average Annual Cost |
| Clearcover | $87 | $1,044 |
| State Farm | $130 | $1,560 |
| Utica National | $100 | $1,200 |
| Safe Auto | $136 | $1,632 |
| USAA | $133 | $1,596 |
Cheapest Car Insurance In Virginia Beach For Good Drivers: Auto-Owners
For good drivers in Virginia Beach, Auto-Owners provides the cheapest car insurance, averaging around $36 a month.
If you’re a good driver, the table below highlights average quotes from top low-cost insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $36 | $432 |
| Erie | $55 | $660 |
| GEICO | $49 | $588 |
| State Farm | $38 | $456 |
| Nationwide | $62 | $744 |
Find affordable Virginia Beach rates
Cheapest Car Insurance In Virginia Beach After A Speeding Ticket: Auto-Owners
In Virginia Beach, Auto-Owners provides low-cost insurance for drivers with a speeding record, with average rates of $45 per month.
Below is a table listing average car insurance premiums for drivers with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $45 | $540 |
| USAA | $61 | $732 |
| Chubb | $67 | $804 |
| Nationwide | $78 | $936 |
| Mercury | $106 | $1,272 |
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Cheapest For Drivers With After At-Fault Accident: Auto-Owners
Drivers with an at-fault incident can secure the cheapest coverage from Auto-Owners, with average monthly premiums of $47.
Here’s a comparison of the cheapest car insurance options for drivers with an at-fault record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $47 | $564 |
| Chubb | $69 | $828 |
| State Farm | $49 | $588 |
| GEICO | $64 | $768 |
| Allstate | $97 | $1,164 |
Cheapest Rates In Virginia Beach For Drivers After A DUI: State Farm
State Farm provides Virginia Beach drivers with the most affordable car insurance after a DUI, costing about $58 monthly.
Use the table below to review budget-friendly car insurance rates for drivers with a DUI in Virginia Beach.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $58 | $696 |
| GEICO | $77 | $924 |
| Nationwide | $98 | $1,176 |
| Clearcover | $95 | $1,140 |
| Allstate | $120 | $1,440 |
Best Car Insurance Companies In Virginia Beach
In Virginia Beach, Auto-Owners offers the lowest rates at $36 monthly, but State Farm ($38) and GEICO ($49) are close alternatives.
The table below features the top 10 car insurance companies in Virginia Beach, VA, sorted by their average monthly rates.
| Company | Monthly Premium |
| Auto-Owners | $36 |
| Erie | $55 |
| GEICO | $49 |
| State Farm | $38 |
| Nationwide | $62 |
| Chubb | $53 |
| Clearcover | $61 |
| Allstate | $75 |
| Progressive | $86 |
| National General | $97 |
Average Auto Insurance Rates In Virginia Beach – By Age
Insurance rates are closely tied to age. Younger drivers face higher premiums due to their limited experience and higher accident risk. On average, teenagers pay around $3,962 per year for coverage.
By age 25, insurance premiums often drop, assuming the driver has maintained a solid driving record.
Drivers in their 50s and early 60s typically enjoy the most competitive premiums since insurers factor in age when calculating experience and risk.
| Age | Average Yearly Rate |
| Teenagers | $3,962 |
| 20s | $2,259 |
| 30s | $1,445 |
| 40s | $1,304 |
| 50s | $1,122 |
| 60s | $1,182 |
| 70s | $1,212 |
Average Rates In Virginia Beach – By Vehicle
Insurance rates are influenced by your car’s make, model, year, and body style. Newer luxury vehicles often carry higher premiums because their advanced technology and parts are more expensive to replace.
The table below outlines average car insurance premiums in Virginia Beach by vehicle type.
| Vehicle | Average Monthly Rate |
| Mazda 5 | $98 |
| BMW X5 | $127 |
| Kia Sportage | $114 |
| Acura T1 | $160 |
| Cadillac Xt4 | $189 |
Average Cost Of Auto Insurance In Virginia Beach – By Zip Code
Insurance companies use ZIP codes to estimate local crime rates, which is why premiums differ by location.
The table below outlines average car insurance premiums for different ZIP codes in Virginia Beach.
| City | Average Monthly Rate |
| 23456 | $133 |
| 23452 | $130 |
| 23462 | $135 |
| 23457 | $71 |
| 23704 | $370 |
How Much Is Car Insurance In Other Cities in Virginia?
Where you live significantly affects your car insurance costs. Insurance providers analyze local risks such as accident frequency, theft, and vandalism, which are more common in cities and contribute to higher premiums.
In Norfolk, car insurance costs about $152 per month on average, while Roanoke drivers pay closer to $100 per month.
| City | Average Monthly Rate |
| Alexandria | $147 |
| Roanoke | $100 |
| Norfolk | $152 |
| Lynchburg | $113 |
| Richmond | $145 |
| Newport News | $107 |
| Portsmouth | $133 |
| Springfield | $130 |
| Chesapeake | $127 |
| Hampton | $128 |
Find affordable Virginia Beach rates
Our Methodology
My evaluation of Virginia Beach, VA car insurance providers draws from service ratings, coverage options, pricing details, and insights from online review platforms.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Virginia Beach?
In Virginia Beach, Auto-Owners offers the most affordable minimum coverage, while State Farm has the best rates for full coverage with comprehensive and collision protection.
What is the average cost of car insurance in Virginia Beach?
The average monthly rate for car insurance in Virginia Beach is $132, though your premium may vary based on factors such as your ZIP code, car model, and driving history.
About Bob Phillips
Bob Phillips is a former California-licensed insurance agent (license #0C27547) with over 15 years helping clients plan their finances. He holds the Chartered Life Underwriter (CLU) designation from The American College, a BA from the State University of New York, and Series 6, 7, 26, 63, and 65 securities licenses, and has held life, health, disability, and property/casualty insurance licenses.
He has written hundreds of insurance and investment articles and published two financial books. You can verify Bob’s license history (#0C27547) at the California Department of Insurance.