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

Written by Xuyun Zeng and 1 other
Updated Oct 14, 2025
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Cheap Car Insurance in Virginia Beach, VA (October 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.

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
$46 $552 Progressive 40 06/18/25 Virginia Beach, VA 23452
$52 $624 Electric 45 06/25/25 Virginia Beach, VA 23454
$55 $660 Progressive 55 08/08/25 Virginia Beach, VA 23464
$61 $731 Geico 53 08/20/25 Virginia Beach, VA 23454
$61 $732 Bristol West 73 08/07/25 Virginia Beach, VA 23456
$62 $746 Bristol West 70 08/07/25 Virginia Beach, VA 23452
$63 $750 Electric 62 09/22/25 Virginia Beach, VA 23452
$63 $760 Electric 41 06/19/25 Virginia Beach, VA 23462
$64 $770 Electric 41 06/21/25 Virginia Beach, VA 23454
$66 $788 Progressive 39 06/16/25 Virginia Beach, VA 23454
Last Updated Oct. 15, 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.

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$63 $752 Progressive 40 06/18/25 Virginia Beach, VA 23452
$66 $788 Progressive 39 06/16/25 Virginia Beach, VA 23454
$69 $822 Electric 42 06/21/25 Virginia Beach, VA 23462
$73 $870 Electric 45 06/24/25 Virginia Beach, VA 23456
$75 $896 Clearcover 55 05/28/25 Virginia Beach, VA 23452
$75 $904 Progressive 27 07/19/25 Virginia Beach, VA 23455
$81 $966 Electric 73 08/07/25 Virginia Beach, VA 23456
$81 $968 Progressive 45 06/25/25 Virginia Beach, VA 23454
$83 $996 Progressive 28 09/13/25 Virginia Beach, VA 23452
$84 $1,012 Progressive 36 06/14/25 Virginia Beach, VA 23453
Last Updated Oct. 15, 2025

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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.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$68 $820 Progressive 26 No 07/01/25 Virginia Beach, VA 23464
$75 $904 Progressive 27 Yes 07/19/25 Virginia Beach, VA 23455
$78 $936 Progressive 28 No 07/20/25 Virginia Beach, VA 23462
$83 $996 Progressive 28 Yes 09/13/25 Virginia Beach, VA 23452
$87 $1,048 ROOT 29 No 08/26/25 Virginia Beach, VA 23451
$75 $904 Progressive 27 07/19/25 Virginia Beach, VA 23455
$81 $966 Electric 73 08/07/25 Virginia Beach, VA 23456
$81 $968 Progressive 45 06/25/25 Virginia Beach, VA 23454
$83 $996 Progressive 28 09/13/25 Virginia Beach, VA 23452
$84 $1,012 Progressive 36 06/14/25 Virginia Beach, VA 23453
Last Updated Oct. 15, 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 Quote
City, State
ZIP Code
$46 $552 Progressive 40 No 06/18/25 Virginia Beach, VA 23452
$52 $624 Electric 45 No 06/25/25 Virginia Beach, VA 23454
$63 $760 Electric 41 No 06/19/25 Virginia Beach, VA 23462
$64 $770 Electric 41 No 06/21/25 Virginia Beach, VA 23454
$66 $788 Progressive 39 Yes 06/16/25 Virginia Beach, VA 23454
$75 $904 Progressive 27 07/19/25 Virginia Beach, VA 23455
$81 $966 Electric 73 08/07/25 Virginia Beach, VA 23456
$81 $968 Progressive 45 06/25/25 Virginia Beach, VA 23454
$83 $996 Progressive 28 09/13/25 Virginia Beach, VA 23452
$84 $1,012 Progressive 36 06/14/25 Virginia Beach, VA 23453
Last Updated Oct. 15, 2025

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

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$61 $732 Bristol West 73 No 08/07/25 Virginia Beach, VA 23456
$63 $750 Electric 62 No 09/22/25 Virginia Beach, VA 23452
$75 $896 Clearcover 55 Yes 05/28/25 Virginia Beach, VA 23452
$76 $914 Bristol West 59 No 08/15/25 Virginia Beach, VA 23456
$84 $1,012 Progressive 67 No 07/18/25 Virginia Beach, VA 23455
$75 $904 Progressive 27 07/19/25 Virginia Beach, VA 23455
$81 $966 Electric 73 08/07/25 Virginia Beach, VA 23456
$81 $968 Progressive 45 06/25/25 Virginia Beach, VA 23454
$83 $996 Progressive 28 09/13/25 Virginia Beach, VA 23452
$84 $1,012 Progressive 36 06/14/25 Virginia Beach, VA 23453
Last Updated Oct. 15, 2025

More: Best car insurance for seniors

Cheapest car insurance for drivers with clean records in Virginia Beach

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
Has Full Coverage
City, State
ZIP Code
$46 $552 Progressive 40 06/18/25 No Virginia Beach, VA 23452
$52 $624 Electric 45 06/25/25 No Virginia Beach, VA 23454
$61 $732 Bristol West 73 08/07/25 No Virginia Beach, VA 23456
$63 $750 Electric 62 09/22/25 No Virginia Beach, VA 23452
$63 $760 Electric 41 06/19/25 No Virginia Beach, VA 23462
$64 $770 Electric 41 06/21/25 No Virginia Beach, VA 23454
$66 $788 Progressive 39 06/16/25 Yes Virginia Beach, VA 23454
$68 $818 Gainsco 43 04/28/25 No Virginia Beach, VA 23456
$68 $820 Progressive 26 07/01/25 No Virginia Beach, VA 23464
$69 $822 Electric 42 06/21/25 Yes Virginia Beach, VA 23462
Last Updated Oct. 15, 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 $86 $1,028 Gainsco 31 05/29/25 Virginia Beach, VA 23456
<550 $92 $1,110 Clearcover 47 06/30/25 Virginia Beach, VA 23462
<550 $93 $1,114 National General 40 04/26/25 Virginia Beach, VA 23455
<550 $95 $1,144 Electric 27 09/24/24 Virginia Beach, VA 23451
<550 $96 $1,154 Electric 58 01/16/25 Virginia Beach, VA 23451
$64 $770 Electric 41 Virginia Beach, VA 23454
$66 $788 Progressive 39 Virginia Beach, VA 23454
$68 $818 Gainsco 43 Virginia Beach, VA 23456
$68 $820 Progressive 26 Virginia Beach, VA 23464
$69 $822 Electric 42 Virginia Beach, VA 23462
Last Updated Oct. 15, 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 07/02/24 Virginia Beach, VA 23454
At Fault With No Injury $62 $740 National General 71 No 03/05/25 Virginia Beach, VA 23454
At Fault With No Injury $85 $1,024 Bristol West 52 No 05/15/25 Virginia Beach, VA 23464
At Fault With No Injury $86 $1,028 Progressive 57 Yes 04/29/24 Virginia Beach, VA 23456
At Fault With No Injury $93 $1,112 Electric 78 No 08/02/24 Virginia Beach, VA 23464
$64 $770 Electric 41 No Virginia Beach, VA 23454
$66 $788 Progressive 39 Yes Virginia Beach, VA 23454
$68 $818 Gainsco 43 No Virginia Beach, VA 23456
$68 $820 Progressive 26 No Virginia Beach, VA 23464
$69 $822 Electric 42 Yes Virginia Beach, VA 23462
Last Updated Oct. 15, 2025

More: What is an at-fault accident?

Cheapest car insurance for drivers with speeding tickets in Virginia Beach

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Speeding under 15 $47 $567 Geico 39 07/01/25 Virginia Beach, VA 23454
Speeding over 15 $59 $712 Progressive 55 10/07/25 Virginia Beach, VA 23462
Speeding over 15 $84 $1,008 Bristol West 61 05/18/25 Virginia Beach, VA 23454
Speeding under 15 $89 $1,068 National General 56 06/11/25 Virginia Beach, VA 23462
Speeding over 15 $104 $1,244 ROOT 31 08/18/25 Virginia Beach, VA 23464
$64 $770 Electric 41 06/21/25 Virginia Beach, VA 23454
$66 $788 Progressive 39 06/16/25 Virginia Beach, VA 23454
$68 $818 Gainsco 43 04/28/25 Virginia Beach, VA 23456
$68 $820 Progressive 26 07/01/25 Virginia Beach, VA 23464
$69 $822 Electric 42 06/21/25 Virginia Beach, VA 23462
Last Updated Oct. 15, 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 Quote
City, State
ZIP Code
DUI $111 $1,326 Electric 50 05/03/25 Virginia Beach, VA 23454
DUI $116 $1,392 Electric 38 06/28/25 Virginia Beach, VA 23451
DUI $415 $4,984 National General 38 08/07/25 Virginia Beach, VA 23452
Speeding under 15 $89 $1,068 National General 56 06/11/25 Virginia Beach, VA 23462
Speeding over 15 $104 $1,244 ROOT 31 08/18/25 Virginia Beach, VA 23464
$64 $770 Electric 41 06/21/25 Virginia Beach, VA 23454
$66 $788 Progressive 39 06/16/25 Virginia Beach, VA 23454
$68 $818 Gainsco 43 04/28/25 Virginia Beach, VA 23456
$68 $820 Progressive 26 07/01/25 Virginia Beach, VA 23464
$69 $822 Electric 42 06/21/25 Virginia Beach, VA 23462
Last Updated Oct. 15, 2025

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.

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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 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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $89 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.

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