Living in Virginia Beach can be a dream — it’s near the ocean, has relatively moderate weather throughout the year, and also has plenty of local parks. But as with many tourist destinations, locals may struggle for space on the roads during peak seasons. As you’re joined by more drivers each year, reliable car insurance can help protect you from steep out-of-pocket costs in the case of a fender bender or major accident.
It’s wise to compare quotes from multiple insurers to find the right coverage for your driving habits at affordable rates. We’ve gathered quote data from real Jerry customers living in Virginia Beach to show you what rates you could expect, based on your age, driving record and preferred coverage.
More: Best car insurance in Virginia
Cheapest minimum coverage insurance in Virginia Beach
In Virginia, drivers must carry minimum auto insurance of:
- $50,000 for bodily injury or death of one person.
- $100,000 for bodily injury or death of two people.
- $25,000 for damage to other people’s property.
Here are the cheapest car insurance quotes that Jerry customers have received for minimum coverage in Virginia Beach.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
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|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $54 | $642 | 31 | 10/28/25 | 23464 | ||
| $55 | $655 | 24 | 07/23/25 | 23454 | ||
| $55 | $662 | 33 | 11/14/25 | 23456 | ||
| $57 | $684 | 28 | 09/09/25 | 23451 | ||
| $59 | $702 | 46 | 06/27/25 | 23452 | ||
| $61 | $726 | 42 | 06/20/25 | 23455 | ||
| $63 | $750 | 37 | 06/15/25 | 23455 | ||
| $63 | $754 | 33 | 09/10/25 | 23451 | ||
| $67 | $800 | 46 | 07/23/25 | 23455 | ||
| $68 | $810 | 67 | 10/07/25 | 23452 |
If you have a loan or lease on your vehicle, the lender will require
More: Cheapest car insurance in Virginia
Cheapest full coverage insurance in Virginia Beach
One of the biggest weather hazards Virginia Beach residents face is flooding, but minimum coverage doesn’t help with flood-related damage to your car. For that level of protection, you’ll need full coverage.
Virginia Beach drivers can buy both comprehensive insurance and collision coverage (collectively known as full coverage) to protect themselves against the repair costs after a weather event or accident, regardless of who is at fault.
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Monthly Quote
|
Annual Quote
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Insurance Company
|
Age
|
Date of Quote
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City, State
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ZIP Code
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|---|
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Monthly Quote
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Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
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|---|---|---|---|---|---|---|
| $59 | $702 | 46 | 06/27/25 | 23452 | ||
| $68 | $810 | 67 | 10/07/25 | 23452 | ||
| $68 | $812 | 64 | 11/13/25 | 23455 | ||
| $69 | $822 | 42 | 06/21/25 | 23462 | ||
| $75 | $904 | 66 | 06/20/25 | 23455 | ||
| $77 | $924 | 41 | 06/21/25 | 23454 | ||
| $84 | $1,010 | 40 | 06/18/25 | 23452 | ||
| $87 | $1,042 | 70 | 07/01/25 | 23462 | ||
| $88 | $1,056 | 65 | 11/03/25 | 23464 | ||
| $89 | $1,064 | 53 | 10/28/25 | 23454 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
More: Best car insurance companies
Cheapest car insurance for young drivers in Virginia Beach (18-29 years old)
Young drivers tend to pay higher car insurance premiums than older drivers, but that doesn't mean they can't find affordable rates. Here are the cheapest quotes that young Jerry customers have received.
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Monthly Quote
|
Annual Quote
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Insurance Company
|
Age
|
Has Full Coverage
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Date of Quote
|
City, State
|
ZIP Code
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|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $91 | $1,094 | 28 | No | 08/18/25 | 23464 | ||
| $96 | $1,148 | 29 | No | 11/11/25 | 23454 | ||
| $98 | $1,176 | 22 | No | 10/23/25 | 23464 | ||
| $99 | $1,192 | 28 | No | 06/20/25 | 23455 | ||
| $100 | $1,196 | 28 | No | 11/10/25 | 23462 | ||
| $77 | $924 | 41 | 06/21/25 | 23454 | |||
| $84 | $1,010 | 40 | 06/18/25 | 23452 | |||
| $87 | $1,042 | 70 | 07/01/25 | 23462 | |||
| $88 | $1,056 | 65 | 11/03/25 | 23464 | |||
| $89 | $1,064 | 53 | 10/28/25 | 23454 |
Cheapest car insurance for mature drivers in Virginia Beach (30-54 years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $54 | $642 | 31 | No | 10/28/25 | 23464 | ||
| $55 | $662 | 33 | No | 11/14/25 | 23456 | ||
| $59 | $702 | 46 | Yes | 06/27/25 | 23452 | ||
| $61 | $726 | 42 | No | 06/20/25 | 23455 | ||
| $63 | $750 | 37 | No | 06/15/25 | 23455 | ||
| $77 | $924 | 41 | 06/21/25 | 23454 | |||
| $84 | $1,010 | 40 | 06/18/25 | 23452 | |||
| $87 | $1,042 | 70 | 07/01/25 | 23462 | |||
| $88 | $1,056 | 65 | 11/03/25 | 23464 | |||
| $89 | $1,064 | 53 | 10/28/25 | 23454 |
Cheapest car insurance for older drivers (55+ years old)
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $68 | $810 | 67 | Yes | 10/07/25 | 23452 | ||
| $68 | $812 | 64 | Yes | 11/13/25 | 23455 | ||
| $71 | $854 | 66 | No | 10/31/25 | 23454 | ||
| $73 | $878 | 81 | No | 10/23/25 | 23454 | ||
| $75 | $904 | 66 | Yes | 06/20/25 | 23455 | ||
| $77 | $924 | 41 | 06/21/25 | 23454 | |||
| $84 | $1,010 | 40 | 06/18/25 | 23452 | |||
| $87 | $1,042 | 70 | 07/01/25 | 23462 | |||
| $88 | $1,056 | 65 | 11/03/25 | 23464 | |||
| $89 | $1,064 | 53 | 10/28/25 | 23454 |
More: Best car insurance for seniors
Cheapest car insurance for drivers with clean records in Virginia Beach
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Monthly Quote
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Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $46 | $552 | 40 | 06/18/25 | No | 23452 | ||
| $52 | $628 | 31 | 10/28/25 | No | 23464 | ||
| $61 | $734 | 35 | 11/23/25 | No | 23464 | ||
| $66 | $792 | 65 | 06/03/25 | Yes | 23452 | ||
| $67 | $806 | 28 | 09/09/25 | No | 23451 | ||
| $68 | $816 | 27 | 07/16/25 | No | 23453 | ||
| $69 | $826 | 41 | 06/19/25 | Yes | 23464 | ||
| $71 | $850 | 34 | 08/31/25 | Yes | 23462 | ||
| $73 | $878 | 81 | 10/23/25 | No | 23454 | ||
| $75 | $894 | 56 | 08/04/25 | No | 23464 |
Cheapest car insurance for drivers with low credit scores in Virginia Beach
Those with credit scores below 550 may pay higher car insurance rates than those with high scores. Here are quotes real Jerry customers with low credit scores received in Virginia Beach.
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Credit Score
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Monthly Quote
|
Annual Quote
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Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
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|---|
|
Credit Score
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $73 | $876 | 40 | 11/06/25 | 23454 | ||
| <550 | $79 | $942 | 35 | 11/09/25 | 23452 | ||
| <550 | $86 | $1,028 | 31 | 05/29/25 | 23456 | ||
| <550 | $87 | $1,038 | 38 | 04/30/25 | 23462 | ||
| <550 | $90 | $1,074 | 32 | 06/28/25 | 23457 | ||
| $68 | $816 | 27 | 23453 | ||||
| $69 | $826 | 41 | 23464 | ||||
| $71 | $850 | 34 | 23462 | ||||
| $73 | $878 | 81 | 23454 | ||||
| $75 | $894 | 56 | 23464 |
Cheapest car insurance for drivers with at-fault accidents in Virginia Beach
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At-fault Accident on Record
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Monthly Quote
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Annual Quote
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Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
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|---|
|
At-fault Accident on Record
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $43 | $514 | 54 | No | 11/10/25 | 23456 | ||
| At Fault With No Injury | $53 | $632 | 44 | No | 12/07/24 | 23456 | ||
| At Fault With No Injury | $61 | $730 | 24 | No | 03/03/25 | 23452 | ||
| At Fault With No Injury | $63 | $760 | 34 | No | 09/08/25 | 23451 | ||
| At Fault With No Injury | $70 | $840 | 59 | No | 11/16/24 | 23462 | ||
| $68 | $816 | 27 | No | 23453 | ||||
| $69 | $826 | 41 | Yes | 23464 | ||||
| $71 | $850 | 34 | Yes | 23462 | ||||
| $73 | $878 | 81 | No | 23454 | ||||
| $75 | $894 | 56 | No | 23464 |
More: What is an at-fault accident?
Cheapest car insurance for drivers with speeding tickets in Virginia Beach
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Violation Summary
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Monthly Quote
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Annual Quote
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Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
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|---|
|
Violation Summary
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding over 15 | $56 | $676 | 39 | 06/20/25 | 23451 | ||
| Speeding over 15 | $67 | $798 | 50 | 08/11/25 | 23464 | ||
| Speeding under 15 | $77 | $926 | 32 | 11/17/25 | 23451 | ||
| Speeding over 15 | $95 | $1,140 | 30 | 08/28/25 | 23462 | ||
| Speeding under 15 | $97 | $1,160 | 39 | 07/01/25 | 23454 | ||
| $68 | $816 | 27 | 07/16/25 | 23453 | |||
| $69 | $826 | 41 | 06/19/25 | 23464 | |||
| $71 | $850 | 34 | 08/31/25 | 23462 | |||
| $73 | $878 | 81 | 10/23/25 | 23454 | |||
| $75 | $894 | 56 | 08/04/25 | 23464 |
Cheapest car insurance for drivers with DUIs in Virginia Beach
Here are some of the cheapest quotes drivers in Virginia Beach with a DUI on their record received via Jerry.
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $166 | $1,990 | 44 | 10/21/25 | 23455 | ||
| DUI | $172 | $2,068 | 34 | 07/28/25 | 23455 | ||
| DUI | $248 | $2,972 | 38 | 08/07/25 | 23452 | ||
| DUI | $319 | $3,826 | 38 | 06/28/25 | 23451 | ||
| Speeding under 15 | $97 | $1,160 | 39 | 07/01/25 | 23454 | ||
| $68 | $816 | 27 | 07/16/25 | 23453 | |||
| $69 | $826 | 41 | 06/19/25 | 23464 | |||
| $71 | $850 | 34 | 08/31/25 | 23462 | |||
| $73 | $878 | 81 | 10/23/25 | 23454 | |||
| $75 | $894 | 56 | 08/04/25 | 23464 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
