Cheapest Car Insurance in Virginia Beach for 2026 - NerdWallet
Cheap Car Insurance in Virginia Beach for August 2026
Virginia Farm Bureau offers the cheapest liability coverage in Virginia Beach, with an average rate of $1,018 per year according to NerdWallet's August 2026 analysis.
If you’re looking for cheap car insurance in Virginia Beach, Virginia, you’ll want to shop around and compare quotes from multiple companies. Insurers use a variety of factors to determine the cost of auto insurance, including your age, address, the type of car you drive and your driving history, which means every driver will ultimately get a different rate. That’s why shopping around is your best bet to getting the cheapest car insurance in Virginia Beach — or anywhere.
To find the cheapest companies in Virginia Beach, NerdWallet looked at average full coverage rates calculated from public filings obtained by pricing analytics company Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in Virginia Beach driving a 2023 Toyota Camry LE.
Read on to find out how auto insurance companies in Virginia Beach stack up. You can also check out our list of the cheapest car insurance companies nationwide.
Cheapest car insurance companies in Virginia Beach
The biggest variable in your insurance cost will be the company you choose, so you’ll want to shop around to be confident you’re getting the best rate. In Virginia Beach, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet’s most recent analysis. It's important to remember that rates are determined individually, so these may not be the cheapest companies for you.
| Company | Median annual rate |
|---|---|
| Virginia Farm Bureau | $935 |
| Travelers | $1,187 |
| GEICO | $1,441 |
| Chubb | $1,731 |
| Erie | $2,022 |
| Auto-Owners | $2,073 |
| State Farm | $2,228 |
| National General | $2,289 |
| Mercury | $2,311 |
| USAA* | $1,530 |
*USAA is available only to military families, veterans and some federal employees.
Average car insurance cost in Virginia Beach and Virginia
Rates across Virginia differ from those in Virginia Beach for lots of reasons. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. According to NerdWallet’s most recent analysis, the average rate in Virginia is $2,165, while in Virginia Beach it's $2,231.
| Median City Rate | Median State Rate |
|---|---|
| $2,231 | $2,165 |
Average cost of car insurance in Virginia Beach’s largest ZIP codes
The cost of auto insurance varies based on where you live, even from one neighborhood to the next. Here are the most populated ZIP codes in Virginia Beach and the average annual cost of car insurance for a 35-year-old driver with good credit and a clean driving record.
| ZIP | Median Rate |
|---|---|
| 23464 | $2,233 |
| 23462 | $2,264 |
| 23456 | $2,228 |
| 23452 | $2,228 |
| 23454 | $2,228 |
| 23455 | $2,200 |
| 23451 | $2,157 |
| 23453 | $2,228 |
| 23457 | $2,249 |
| 23460 | $2,425 |
Cheap car insurance in Virginia Beach by age
Your age is another major factor in the price you pay for car insurance. Here's a breakdown of prices in Virginia Beach for similar drivers at various ages, according to NerdWallet’s most recent analysis.
Cheapest for 20-year-olds
| Company | Median annual rate |
|---|---|
| Travelers | $2,075 |
| GEICO | $2,758 |
| Virginia Farm Bureau | $3,441 |
| Chubb | $4,014 |
| Erie | $4,239 |
| Progressive | $4,373 |
| Auto-Owners | $4,415 |
| Mercury | $4,759 |
| Cincinnati Insurance | $4,806 |
| USAA* | $3,703 |
Cheapest for 35-year-olds
Cheapest for 60-year-olds
| Company | Median annual rate |
|---|---|
| Virginia Farm Bureau | $776 |
| Travelers | $988 |
| GEICO | $1,352 |
| Chubb | $1,518 |
| Mercury | $1,637 |
| Erie | $1,735 |
| Auto-Owners | $1,957 |
| State Farm | $2,016 |
| National General | $2,075 |
| USAA* | $1,218 |
Virginia Beach’s cheapest companies and rates by driving record
Your driving history also plays a large role in your auto insurance rate. Here are the average rates in Virginia Beach by company for good drivers and those with violations on their record.
Good drivers
Drivers with a DUI
| Company | Median annual rate |
|---|---|
| Virginia Farm Bureau | $1,144 |
| Travelers | $1,835 |
| GEICO | $2,889 |
| National General | $3,225 |
| State Farm | $3,319 |
| Progressive | $3,558 |
| Auto-Owners | $3,702 |
| Chubb | $4,015 |
| Erie | $4,056 |
| USAA* | $2,916 |
Drivers with an at-fault accident
| Company | Median annual rate |
|---|---|
| Virginia Farm Bureau | $935 |
| Travelers | $1,677 |
| GEICO | $2,120 |
| Chubb | $2,340 |
| State Farm | $2,851 |
| Auto-Owners | $3,085 |
| Erie | $3,117 |
| Penn National | $3,649 |
| Progressive | $3,676 |
| USAA* | $2,272 |
Shop around to get cheap insurance
No matter what company you're currently getting auto insurance from, remember that it's important to shop around and compare quotes from multiple companies. Prices and offers change over time, and you may be able to save by switching to another insurer.
Be sure to take advantage of potential discounts. Many insurers offer car insurance discounts for things like bundling other types of insurance with your auto policy or going years without filing a claim.
METHODOLOGY
For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available.
For full coverage policies, we used the following coverage limits:
- $100,000 bodily injury liability per person.
- $300,000 bodily injury liability per accident.
- $50,000 property damage liability per accident.
- $100,000 uninsured motorist coverage per person.
- $300,000 uninsured motorist coverage per accident.
- Collision coverage with a $1,000 deductible.
- Comprehensive coverage with a $1,000 deductible.
We analyzed rates for drivers 20 to 70 years old in 10-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different.