Cheap Car Insurance in Virginia Beach, VA (May 2025)

Written by Xuyun Zeng and 1 other
Updated Jan 4, 2025
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Cheap Car Insurance in Virginia Beach, VA (May 2025)

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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.

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 quotes that Jerry customers have received for minimum coverage in Virginia Beach.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$55 $654 Progressive 37 May 13, 2025 Virginia Beach, VA 23464
$59 $710 National General 52 February 25, 2025 Virginia Beach, VA 23462
$69 $832 Progressive 59 February 12, 2025 Virginia Beach, VA 23454
$72 $864 National General 56 May 5, 2025 Virginia Beach, VA 23453
$75 $898 Electric 60 March 27, 2025 Virginia Beach, VA 23452
$84 $1,012 Progressive 27 March 12, 2025 Virginia Beach, VA 23462
$85 $1,024 Bristol West 52 May 15, 2025 Virginia Beach, VA 23464
$94 $1,122 National General 37 April 27, 2025 Virginia Beach, VA 23462
$99 $1,188 Trexis 49 December 16, 2024 Virginia Beach, VA 23464
$99 $1,190 Progressive 37 April 16, 2025 Virginia Beach, VA 23451
Last Updated May 27, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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 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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$35 $416 Progressive 59 July 2, 2024 Virginia Beach, VA 23454
$83 $990 Progressive 63 February 18, 2024 Virginia Beach, VA 23462
$93 $1,120 Progressive 28 April 26, 2024 Virginia Beach, VA 23451
$97 $1,166 Progressive 25 May 28, 2024 Virginia Beach, VA 23455
$98 $1,174 Progressive 41 January 31, 2024 Virginia Beach, VA 23452
$113 $1,350 Progressive 33 February 13, 2024 Virginia Beach, VA 23462
$118 $1,412 Progressive 68 June 11, 2024 Virginia Beach, VA 23464
$118 $1,418 Progressive 32 August 21, 2024 Virginia Beach, VA 23455
$120 $1,436 Progressive 51 November 26, 2024 Virginia Beach, VA 23457
$120 $1,444 Gainsco 32 April 20, 2025 Virginia Beach, VA 23454
Last Updated May 23, 2025

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$76 $916 Progressive 28 No November 19, 2024 Virginia Beach, VA 23453
$84 $1,012 Progressive 27 No March 12, 2025 Virginia Beach, VA 23462
$93 $1,120 Progressive 28 Yes April 26, 2024 Virginia Beach, VA 23451
$97 $1,166 Progressive 25 Yes May 28, 2024 Virginia Beach, VA 23455
$106 $1,268 Electric 26 No May 6, 2024 Virginia Beach, VA 23454
Last Updated May 23, 2025

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 Policy
City, State
ZIP Code
$39 $466 Progressive 39 No January 27, 2024 Virginia Beach, VA 23454
$55 $654 Progressive 37 No May 13, 2025 Virginia Beach, VA 23464
$59 $710 National General 52 No February 25, 2025 Virginia Beach, VA 23462
$70 $834 Progressive 32 No January 19, 2024 Virginia Beach, VA 23452
$75 $902 Progressive 40 No November 25, 2023 Virginia Beach, VA 23452
Last Updated May 23, 2025

Cheapest car insurance for older drivers (55+ years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$35 $416 Progressive 59 Yes July 2, 2024 Virginia Beach, VA 23454
$69 $832 Progressive 59 No February 12, 2025 Virginia Beach, VA 23454
$72 $864 National General 56 No May 5, 2025 Virginia Beach, VA 23453
$75 $898 Electric 60 No March 27, 2025 Virginia Beach, VA 23452
$83 $990 Progressive 63 Yes February 18, 2024 Virginia Beach, VA 23462
Last Updated May 23, 2025

Cheapest car insurance for drivers with clean records in Virginia Beach

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
ZIP Code
$55 $654 Progressive 37 May 13, 2025 No Virginia Beach, VA 23464
$69 $832 Progressive 59 February 12, 2025 No Virginia Beach, VA 23454
$70 $834 Progressive 32 January 19, 2024 No Virginia Beach, VA 23452
$72 $864 National General 56 May 5, 2025 No Virginia Beach, VA 23453
$75 $898 Electric 60 March 27, 2025 No Virginia Beach, VA 23452
$76 $916 Progressive 28 November 19, 2024 No Virginia Beach, VA 23453
$83 $990 Progressive 63 February 18, 2024 Yes Virginia Beach, VA 23462
$84 $1,012 Progressive 27 March 12, 2025 No Virginia Beach, VA 23462
$91 $1,086 National General 65 November 2, 2024 No Virginia Beach, VA 23462
$98 $1,174 Progressive 41 January 31, 2024 Yes Virginia Beach, VA 23452
Last Updated May 23, 2025

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.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $72 $864 National General 56 May 5, 2025 Virginia Beach, VA 23453
<550 $111 $1,328 Progressive 27 April 19, 2024 Virginia Beach, VA 23462
<550 $120 $1,436 Progressive 51 November 26, 2024 Virginia Beach, VA 23457
<550 $128 $1,530 Electric 41 December 27, 2024 Virginia Beach, VA 23462
<550 $139 $1,662 Assurance America 41 July 14, 2024 Virginia Beach, VA 23451
Last Updated May 23, 2025

Cheapest car insurance for drivers with at-fault accidents in Virginia Beach

At-fault Accident on Record
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $35 $416 Progressive 59 Yes July 2, 2024 Virginia Beach, VA 23454
At Fault With No Injury $85 $1,024 Bristol West 52 No May 15, 2025 Virginia Beach, VA 23464
At Fault With No Injury $88 $1,052 Progressive 55 No May 6, 2024 Virginia Beach, VA 23455
At Fault With No Injury $93 $1,112 Electric 78 No August 2, 2024 Virginia Beach, VA 23464
At Fault With No Injury $94 $1,122 National General 37 No April 27, 2025 Virginia Beach, VA 23462
Last Updated May 23, 2025

Cheapest car insurance for drivers with speeding tickets in Virginia Beach

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $39 $466 Progressive 39 January 27, 2024 Virginia Beach, VA 23454
Speeding over 15 $88 $1,052 Progressive 55 May 6, 2024 Virginia Beach, VA 23455
Speeding under 15 $93 $1,120 Progressive 28 April 26, 2024 Virginia Beach, VA 23451
Speeding under 15 $94 $1,128 Assurance America 41 February 7, 2024 Virginia Beach, VA 23454
Speeding over 15 $97 $1,166 Progressive 25 May 28, 2024 Virginia Beach, VA 23455
Last Updated May 23, 2025

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 Policy
City, State
ZIP Code
DUI $153 $1,838 Progressive 55 November 10, 2024 Virginia Beach, VA 23452
DUI $164 $1,970 Assurance America 56 February 22, 2024 Virginia Beach, VA 23464
DUI $286 $3,434 Electric 50 May 3, 2025 Virginia Beach, VA 23454
DUI $526 $6,316 Root 25 April 2, 2025 Virginia Beach, VA 23455
DUI $877 $10,522 Bristol West 34 November 27, 2023 Virginia Beach, VA 23455
Last Updated May 23, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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Xuyun Zeng

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.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.