Best Auto Insurance in Virginia Beach

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Contributor, Benzinga
Updated: October 26, 2021

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Whether you’re new to Virginia Beach or a longtime resident, it’s a good idea to learn about the city’s traffic laws and your insurance options before you hit the road. Benzinga has determined the best companies for auto insurance in Virginia.

Best Auto Insurance in Virginia Beach:

  • State Farm: Best Overall in Virginia Beach, VA
  • USAA: Best for Military
  • State Farm
    More Details
    Best For
    Customers who have existing policies with State Farm
    Overall Rating
    Read Review
    More Details
  • USAA Home Insurance
    More Details
    Best For
    Members of the armed forces and their families
    Overall Rating
    More Details

Virginia Auto Insurance Overview

  • Number of vehicles per household: 2 
  • Minimum state insurance requirements
    • $25,000 to cover bodily injury or death of one person
    • $50,000 to cover bodily injury or death of two or more persons
    • $20,000 to cover property damage
  • Average rate with a clean driving record: $1,783

Virginia Auto Insurance Rates per Vehicle

Certain vehicle makes and models may impact your insurance rates. For example, a luxury vehicle such as a Porsche or BMW will cost more to insure. Your rates will also go up if you drive a car that is more likely to be stolen. 

On the other hand, you may get a discount on your rates if you drive a fuel-efficient car such as a hybrid or electric vehicle. The Honda CR-V, an SUV compact crossover, is currently the most popular car in Virginia — keep in mind that popular cars tend to be targets for car thieves. 

Auto Insurance Rates in Virginia Beach by Insurance Credit Score

Insurance companies in most states use your insurance credit score as a factor when determining rates. The lower your credit score, the higher your insurance premiums will be. Insurers correlate low credit scores with higher-risk candidates. Here are a few sample rates based on state minimum coverage:

Credit ScoreCheapest ProviderRate for State Minimum Coverage
Poor 300–579USAA$2,484
Fair 580–669USAA$1,693
Good 670–739USAA$1,398
Excellent 740+Mercury
$1,237

Credit scores can significantly affect your rates so it’s a good idea to sign up for a credit monitoring service (many are free), enroll in auto-pay so bills will be paid on time and pay more than the minimum amount due on your credit card bill.

Insurance for Drivers with a Clean Record

Good driving habits pay off. Your rates will be lower if you have a clean driving record. The state minimum insurance rate is the minimum amount you need to buy to comply with the law. Beyond this minimum liability, there are 2 other types of insurance:

  • Standard coverage: Standard coverage offers the most basic type of auto insurance — it’s usually the least expensive type of auto insurance available to you. 
  • Full coverage: Full coverage is a misnomer because full coverage doesn’t actually exist. In this context, we refer to it as your state's required coverages, plus comprehensive and collision. 

Most bank lenders require you to buy full coverage until your car loan is paid off. Here are some comparison rates based on coverage amounts and drivers with clean records:

Insurance CompanyState Minimum InsuranceStandard CoverageFull Coverage
USAA$1,783$1,862$1,930
State Farm$2,136$2,265$2,406
Progressive$2,389$2,471$2,636
Nationwide$2,173$2,053$1,993

Insurance Rates in Virginia Beach with Driving Infractions

Drivers with infractions will pay more for car insurance, so if you want to know how to lower your car insurance, driving safely is a good place to start. Common infractions include speeding, running red lights and auto accidents. Your insurance premiums will cost more if you tend to collect points on your driving record. Each state has a system for tracking points. The more serious the violation, the more points you’ll receive. You could be denied insurance if you have a certain number of points. Here are a few examples of rates for drivers with infractions.

Insurance CompanyAt-Fault Accident Speed Violation DUI
State Farm$3,082
$1,554
$5,719
Progressive$2,988
$1,712
$6,140
Allstate$2,995
$1,305
$4,170
Nationwide$2,017
$1,466
$5,439

2 Best Car Insurance Providers in Virginia Beach

Here are our picks for the best car insurance providers in Virginia Beach, based on consumer reviews, rates and features.

State Farm
Best For
  • Rideshare drivers

1. Best Overall: State Farm

State Farm is hands-down your best overall pick.

State Farm offers affordable rates and features good customer satisfaction rates from J.D. Power and Associates in areas such as pricing, billing, claims and policy offerings.

State Farm is a top-rated choice and is among the top 10 best insurance companies based on a 2018 survey by J.D. Power and Associates.

USAA
Best For
  • Active military members
securely through USAA's website

2. Best for Military Personnel: USAA

USAA is offered to military personnel and their family members, and rates are competitive. USAA is a smaller, more exclusive insurance company and you’ll receive more personalized attention.

USAA also offers discounts for good students, travel deals and annual mileage discounts.

Save Money on Car Insurance in Virginia Beach

Want to know some of the best ways you can save money on car insurance? 

  1. Raise your credit score.
  2. Drive safely. 
  3. Bundle your policies (car, home and life insurance).
  4. Raise your deductible.
  5. Pay in one lump sum versus monthly payments.
  6. Enroll in auto-pay options.
  7. Install anti-theft devices.
  8. Drive a fuel-efficient car.

Be sure to do your research before you choose an insurance company. Doing so could save you hundreds — if not thousands — of dollars.

Frequently Asked Questions

Questions & Answers

Q
By law, what types of car insurance do I have to have?
A

(almost all — not NH) All states require you to carry liability insurance on your vehicle. Your state may require additional auto insurance coverage. Limits are expressed: Amount for injuries per person/amount for injuries total per accident/amount for property damage per accident

Q
What are the major types of car insurance?
A

Liability: The most basic type of auto insurance you can purchase and is required by (nearly) all states. Liability insurance is what covers the damage caused to other people or property other than your own. To learn more about liability insurance read our full article.

Comprehensive: An optional coverage option that keeps your vehicle protected in case of theft, fire, vandalism, weather, animals, or acts of nature.

Collision: This type of coverage pays for damage to your vehicle in an accident with another vehicle or property. If you are leasing or financing your vehicle, you are typically required to pay for collision insurance.

Uninsured/Underinsured Motorist: Covers you and your passengers if you are involved in an accident with someone who does not have coverage or your injuries or property is damaged beyond the other drivers’ insurance limits. The uninsured motorist also covers your vehicle and passengers if you are involved in a hit and run accident. Each state has different mandates on whether you are required to carry this type of policy. For more policy information continue reading our best car insurance policies article.

Q
How much is my car insured for?
A

With a standard auto insurance policy, your vehicle is insured using actual cash value, which means that a deduction may be taken for depreciation based on age or usage. As your vehicle ages, it’s worth less money which reduces the insurable value. If you own a collectible or classic car, you’ll want to consider a specialized classic car insurance policy that insures your vehicle to its full value without a deduction for depreciation.

*Quotes were obtained using the following profile: base 2015 Toyota Camry, male, 40-years-old. Policies reflect state minimum coverage options. We make every effort to provide the most accurate quotes based on the profile above. Due to the many combined variables involved in insurance quotes, the only way to get an accurate quote is to enter your own information through our partners' secure websites.