Updated June 8, 2026

Who is Jerry?

Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 100+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.

• Read about our editorial standards here.

Cheap car insurance in Virginia Beach, VA

Virginia Beach drivers pay an average of $321 a month for full coverage and $172 a month for state minimum. Jerry compares 100+ insurers to find you a lower rate in minutes, with no spam calls and no pressure.

$61

Lowest state minimum quote Jerry has found in last 12 months

$109

Lowest full coverage quote Jerry has found in last 12 months

$224

Average monthly savings for drivers who switch and find savings

Get Quotes

Author

Megan Lee

Megan Lee is an editor, writer, and SEO with expertise in insurance, personal finance, travel, and healthcare. Her work has appeared in U.S. News & World Report, USA Today, and more. She has led remote content teams and strategies for sites like NerdWallet. When she`s not working, Megan enjoys discovering new coffee spots and attending themed events.

Credentials:

• 16 years as a professional writer and editor

• 6 years covering personal finance

Insurance Writer

Reviewer

Stephanie Colestock

Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.

Credentials:

• Certified Financial Education Instructor (CFEI) (2024)

• General Lines Agent, Property & Casualty (2025)

• 14 years as a professional writer and editor

• 10 years covering personal finance

Licensed Insurance Agent

Virginia Beach pricing sits roughly in line with the Virginia state average per Jerry’s quoting data, with several local features shaping where individual drivers land. The biggest recent change is statewide: Virginia raised its minimum liability coverage from 30/60/20 to 50/100/25 effective Jan. 1, 2025, the first major adjustment since 2022. Within Hampton Roads, the dense military population around Naval Air Station Oceana and Naval Station Norfolk, Atlantic coastal exposure, and the I-264 and I-64 traffic spine all factor into what carriers charge across the city. Virginia Beach also tends to see fewer severe congestion-related claims than larger East Coast metros, which helps keep average premiums from drifting significantly above the state benchmark despite the area’s weather and risks related to tourism.

Jerry compares 100+ insurers to help you save. We’ve found quotes for Virginia Beach drivers starting as low as $109 per month for full coverage (Mercury) and $81 per month for state minimum (GEICO) in the last 12 months. Where you land depends on your profile, your ZIP and which carrier prices your risk most favorably right now.

Real recent quotes Jerry found for Virginia Beach drivers

Here are some recent quotes Jerry has pulled for drivers in Virginia Beach. These aren’t sample rates — they’re actual quotes pulled for Virginia Beach drivers in the last 30 days. Driver profiles, ZIP codes and coverage levels vary.

Jerry pulls up to 20 quotes from top rated carriers.

Compare quotes

What are the cheapest car insurance companies in Virginia Beach?

Right now, GEICO is the cheapest average carrier for Virginia Beach drivers at around $81 per month for state minimum coverage — but “cheapest overall” doesn’t always mean cheapest for you.

A few factors can significantly change which insurer ends up cheapest in Virginia Beach. The carrier that offers the lowest rate for a basic liability policy is often different from the one that provides the best value once collision, comprehensive and higher liability limits are added.

Here are four factors worth considering as you compare quotes:

• The cheapest option for Virginia Beach drivers with clean records is Mercury which produces the lowest full coverage average in our data by a substantial margin. Mercury’s state minimum average sits second and its full coverage average is the cheapest in our top five, with the lowest single full coverage quote we’ve recorded for Virginia Beach. Drivers shopping either coverage tier should pull a Mercury quote first.

• Your driving history can have a major impact on which carriers remain affordable. Drivers with clean records often qualify for preferred pricing from standard market insurers, while drivers with violations, accidents or other underwriting challenges may find better rates through a different set of carriers altogether. Even a single ticket can shift which insurer offers the lowest quote.

• How much you drive matters more than many drivers expect. Commutes across Hampton Roads, frequent trips through the I-264 and I-64 corridors and long annual mileage can all push premiums higher. Drivers with shorter commutes, remote work arrangements or lower annual mileage often qualify for noticeably lower rates.

• Military and transient households can see different pricing opportunities. Virginia Beach’s large military population creates a unique insurance market where frequent moves, deployments and changing garaging locations are common. Some insurers handle those circumstances more favorably than others, making comparison shopping especially important for military families and service members.

That said, the right carrier for you depends on your driving record, age, and whether you’re bundling or qualify for other discounts. Jerry compares all of these factors across 100+ insurers at once, so you’re not guessing which scenario applies to you.

GEICO is the cheapest car insurance company in Virginia Beach for state minimum coverage at an average of $81 per month. 

Cheapest carriers in Virginia Beach by average, state minimum coverage

Insurer	Average monthly cost	Cheapest quote we’ve found

Insurer	Average monthly cost	Cheapest quote we’ve found
GEICO	$81	$61
GEICO	$81	$61
Mercury	$97	$63
Root	$123	$96
Electric	$123	$77

GEICO

Average monthly cost

$81

Cheapest quote we’ve found

$61

GEICO

Average monthly cost

$81

Cheapest quote we’ve found

$61

Mercury

Average monthly cost

$97

Cheapest quote we’ve found

$63

Root

Average monthly cost

$123

Cheapest quote we’ve found

$96

Electric

Average monthly cost

$123

Cheapest quote we’ve found

$77

Last Updated June 23, 2026

Based on Jerry data from the past 12 months.

Mercury is the cheapest car insurance company in Virginia Beach for full coverage at an average of $172 per month. 

Cheapest carriers in Virginia Beach by average, full coverage

Insurer	Average monthly cost	Cheapest quote we’ve found

Insurer	Average monthly cost	Cheapest quote we’ve found
Mercury	$172	$109
GEICO	$198	$133
GEICO	$198	$133
Root	$227	$176
Electric	$235	$140

Mercury

Average monthly cost

$172

Cheapest quote we’ve found

$109

GEICO

Average monthly cost

$198

Cheapest quote we’ve found

$133

GEICO

Average monthly cost

$198

Cheapest quote we’ve found

$133

Root

Average monthly cost

$227

Cheapest quote we’ve found

$176

Electric

Average monthly cost

$235

Cheapest quote we’ve found

$140

Last Updated June 23, 2026

Based on Jerry data from the past 12 months.

Key takeaway: GEICO is the cheapest option for most Virginia Beach drivers, but GEICO can be more competitive for drivers with less-than perfect records or who need an SR-22 filed. The split between cheapest state minimum and cheapest full coverage means drivers should pull quotes across both tiers. Jerry shows you multiple quotes at once so you can compare and save.

Compare 100+ insurers through Jerry in less than 5 minutes

Compare quotes

Why is car insurance expensive in Virginia Beach?

Drivers in Virginia Beach with clean records average $261/mo, which is above the VA state average ($259/mo) but below the national average of $262/mo.

Virginia Beach car insurance rates by ZIP code

Virginia Beach’s ZIP-level pricing shows variation across the city, though the spread is narrower than in many large metros. Lower-priced areas tend to be concentrated in the city’s southern and inland neighborhoods, while some of the higher-priced ZIPs are closer to the oceanfront, major commuter corridors and areas with heavier seasonal traffic. The differences reflect a mix of claim frequency, traffic patterns and local risk factors rather than any single geographic divide.

Cheapest ZIP codes

The cheapest ZIPs in Jerry’s Virginia Beach data tend to cluster in the city’s southern and central residential areas. Neighborhoods farther from the oceanfront and major tourist corridors often see lower premiums than parts of the city with heavier seasonal traffic and higher claim activity. Virginia Beach’s spread-out suburban development pattern also helps keep rates more moderate than those in many denser East Coast metros.

Most expensive ZIP codes

Some of the higher-priced ZIPs in Jerry’s Virginia Beach data are concentrated in the city’s northern and coastal areas, including neighborhoods near the Chesapeake Bay and key commuter routes into Norfolk. Waterfront exposure, seasonal weather risk and heavier traffic volumes can all contribute to higher premiums in these parts of the metro. The gap between the lowest- and highest-priced ZIPs also highlights how local claim patterns can influence rates even within the same city.

Virginia Beach car insurance rates by driver profile

ZIP code gets a lot of attention, but for most drivers it’s the second or third biggest factor in their rate — not the first. Age, driving record and credit score typically move the needle more.

Here’s what Jerry’s Virginia Beach data shows for each, and what it actually means for your quote.

By age

Age is one of the biggest factors affecting car insurance costs in Virginia Beach. Younger drivers generally pay the highest rates because they have less driving experience and are statistically more likely to be involved in accidents. Jerry’s Virginia Beach data shows a rate cliff around 25, resulting in a $65/mo drop between the 21-24 and 25-34 buckets for state minimum, and a $125/mo drop for full coverage. For many drivers, turning 25 is one of the first major opportunities to qualify for lower premiums.

Average cost of insurance in Virginia Beach by age group, state minimum

Average cost of insurance in Virginia Beach by age group, full coverage

By driving record

Having at-fault accidents adds 5% on average for Virginia Beach Jerry users — but that figure masks a compounding effect most drivers don’t know about. Drivers with DUIs average lower premiums than drivers with clean records in both coverage tiers, and full coverage rates for drivers with a single speeding ticket come in slightly below the clean record average. Those results likely reflect differences in carrier mix rather than insurers rewarding violations, since drivers with incidents are often quoted by a different group of insurers than drivers shopping in the standard market.

Virginia carriers file surcharge rules with the Virginia Bureau of Insurance, and the Insurance Information Institute notes that three years is a common lookback period for moving violations. Drivers approaching that timeline may benefit from comparing quotes again as older violations often carry less weight in insurers’ pricing models.

Average cost of state minimum coverage in Virginia Beach, by driving record

Average cost of full coverage in Virginia Beach, by driving record

By credit score

Virginia permits credit-based insurance scoring as one auto rating factor. The biggest premium differences in any credit-permitted state typically show up at the extreme ends of the credit range, with mid-tier credit drivers seeing more variable results depending on which specific carrier they land with. Once Jerry’s Virginia Beach credit data is available, the pattern is likely to track this national norm.

Average cost of state minimum coverage in Virginia Beach, by credit score

Average cost of full coverage in Virginia Beach, by credit score

How Jerry finds car insurance savings for Virginia Beach drivers

If you’ve noticed your car insurance premium going up, you’re not the only one. Jerry has found more affordable coverage by comparing up to 15 insurers in just minutes. Here’s a look at real quotes Jerry customers in Virginia Beach found when they shopped around.

Recent quotes

Learn more: Best car insurance in Virginia

Calculate your car insurance costs

If you’re looking to find the cheapest car insurance in Virginia, below are four top tips that Jerry’s agents have found.

Jerry Agent Tip 1: Compare quotes to find the cheapest insurer

Drivers in Virginia Beach can often save money just by comparing quotes from a few different insurers. Each insurer rates your profile in their own way, so one company might offer a lower quote than another for the exact same coverage. Here you can see how much quotes differ for the same level of protection:

Recent customer quotes

Jerry Agent Tip 2: Lower your premium by stacking discounts

Drivers in Virginia Beach can lower their premiums by taking advantage of discounts for being a homeowner, going paperless or having modern safety features in their cars. These savings can add up to a cheaper policy without cutting coverage.

Jerry automatically searches for the discounts you are eligible for so you don’t miss out. Here are the best ones we’ve found recently:

Jerry Agent Tip 3: Balance protection and price to find the right coverage

When you understand what each coverage level includes, it becomes easier to find protection that fits your life and your budget. Minimum coverage keeps premiums low, but in Virginia, that means you only get a low level of liability coverage. Higher tiers offer added protections such as coverage for your own car and support with towing and rental costs after an accident. 

Here are four coverage tiers offered by Jerry so you can find the best fit for your needs and budget.

• Coverage Definitions

  Bodily injury liability (BI)

  • Who it pays: The other person, for injuries when you’re at fault in a crash.

  • What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.

  • How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.

  Property damage liability (PD)

  • Who it pays: The other person, for property you damage in a crash.

  • What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.

  • How it pays: Up to your policy’s limit. For example, $50K.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.

  *Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.

  Collision

  • Who it pays: You, for damage to your own car.

  • What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Comprehensive

  • Who it pays: You, for damage to your own car.

  • What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Uninsured/underinsured motorist (UM/UIM)

  • Who it pays: You and your passengers, for injuries and property damage.

  • What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.

  • How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.

  • Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.

  Personal injury protection (PIP)

  • Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.

  • What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.

  • How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.

  • Do you need it? Required in no-fault states. If available in your state, it’s worth considering.

  Medical payments (MedPay)

  • Who it pays: You and your passengers, for medical bills.

  • What it covers: Medical expenses after an accident, regardless of fault.

  • How it pays: No deductible. Pays up to your policy’s limit.

  • Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.

Get personalized car insurance rates now.

Compare quotes

Jerry Agent Tip 4: Pick the right deductible

Raising your deductible typically lowers your car insurance premium. Just be sure you can comfortably cover that cost if you need to file a claim.

Here’s a look at the deductibles Jerry drivers chose in the past year:

To find the ideal deductible:

• Check your car’s value (Jerry tracks this for you monthly).

• Choose what you can afford out-of-pocket.

• See how deductibles change your rate in real time.

Virginia car insurance minimums: What’s required in Virginia Beach

Virginia raised its minimum liability coverage from 30/60/20 to 50/100/25 effective Jan. 1, 2025. The minimums apply uniformly across the state, so Virginia Beach drivers face the same statutory floor as drivers anywhere else in Virginia.  Here are the minimum requirements in Virginia:

• $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.

Virginia also requires uninsured and underinsured motorist coverage at limits matching liability. Driving without the required coverage can result in license suspension, registration revocation and reinstatement fees.

Many Virginia Beach drivers choose limits above the state’s 50/100/25 minimums because medical bills, vehicle repairs and legal claims can quickly exceed those amounts after a serious accident. Higher liability limits can provide additional financial protection, particularly for drivers who commute regularly through the Hampton Roads region or carry significant assets they want to protect. Jerry can help you find affordable car insurance starting at just $185/mo.

Methodology

To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.

At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.

Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 50 states, giving us firsthand visibility into how quotes are generated and validated.

Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.

Read more about Jerry’s data gathering and verification processes