Virginia Beach Car Insurance

Your Complete Guide to Virginia Beach, VA Car Insurance

(Find the right car insurance policy for you)

Virginia Beach Virginia car insurance

The flourishing coastal city of Virginia Beach is home to a great culinary scene, history, and family-friendly attractions. Over 19 million tourists visit this vibrant city yearly, which means there are a lot of unfamiliar drivers on the roads. You’ll want a top-notch car insurance policy to protect yourself against drivers with poor judgment.

An independent insurance agent can help start your search. They’ll comparison shop for you and find you an affordable price. Chat with an agent to get started.

How much does car insurance cost in Virginia Beach, VA?

Virginia Beach is usually 4% higher than the state average for car insurance quotes. This makes the city the ninth most expensive in Virginia.

  • National average cost per year: $1,311
  • Virginia Beach average cost per year: $1,558

Keep in mind that this is only an estimate of how much your policy will cost you. Insurance quotes will take into consideration several factors unique to you, such as the make, model and year of your car, and your driving record.

How to save money on your policy

As one of the top ten most expensive cities for car insurance quotes in the state,  an independent insurance agent will still be able to find you an affordable policy. Car insurance discounts are a nice way to lower your premiums. Even with a not-so-great driving record, there will probably be some discounts you qualify for. If you’ve got a good driving record, there will be even more that may apply to you.

Here are some discounts that you may want to investigate:

  • Safety discounts: If your insurance carrier believes that you are less likely to get into an accident, like a good driver record, you may fall into this discount.
  • Bundling discounts: If you buy multiple types of insurance through the same carrier, you may get a deal. This also works if you insure multiple cars on the same policy.
  • Loyalty discounts: If you stay with an insurance company for a long time (depending on the carrier).

How much coverage do you need in Virginia Beach, VA?

When you’re applying for auto insurance, one of the most important questions to think about is how much coverage is right for you. You’ll want to decide how high you want your deductible to be, liability limits, and other additional coverages. 

The minimum amount of liability coverage in Virginia Beach are:

  • Bodily injury liability insurance: $25,000 per person and $50,000 per accident
  • Property damage liability insurance: $20,000 per accident

Your liability coverage pays for property damage, medical bills, and other costs of passengers, and drivers who are injured. If your policy limits are reached, you’ll be personally responsible for any leftover financial bills.

 It's important to remember that your liability coverage won’t cover your own injuries or vehicle damage. So, it’s a good idea to purchase additional coverage, such as:

Collision coverage: this will pay for the repair or replacement of your vehicle if you are in a crash. This policy covers damage in a car accident, whether it was your fault, or not.

Comprehensive coverage: it is one of the most popular add-ons to a policy. This insurance covers everything that isn’t covered by collision or liability insurance. Comprehensive coverage will protect against theft, flooding, or flying debris.

Roadside Assistance Coverage: It is usually just a few extra dollars a month to guarantee that if you need a tow or a battery jump, you’re covered. This will also cover gas delivery and locksmith services.

Is Uninsured Motorist Coverage Required in Virginia Beach, VA?

Yes, it is required that you have an uninsured motorist coverage policy. With 10% of the state’s drivers without auto insurance, it's important to have a backup in case of a collision

Requirements

  • Uninsured/underinsured motorist bodily injury: $25,000 per person and $50,000 per accident
  • Uninsured/ underinsured motorist property damage: $20,000 per accident

This will protect you if another driver is at fault for an accident and either doesn’t have insurance or has too little to cover the damage.

Vehicle Theft in Virginia Beach, VA

The average theft rate per 100,000 vehicles:

  • National average: 274.0
  • Virginia Beach average: 127.9

The low crime rate in Virginia Beach may help in lowering your overall rate. An independent agent knows the area and can help you get an affordable quote.

How to find a Car Insurance Policy in Virginia Beach, VA?

A Virginia Beach independent agent can compare multiple policies and quotes from numerous insurance companies for you. They’ll find coverage within your needs and budget to find the one you want. When you’re ready, chat with an independent insurance agent to get started.

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