Affordable Virginia Beach Auto Insurance

Insure your vehicle for less

Insurance is required by the State of Virginia in order to legally drive a car, but Virginia Beach drivers don’t have to overpay for it. Here are a few reasons you have to carry coverage and also a big benefit if you ever need to use it.

First, just about all states have minimum liability requirements which means it is punishable by state law to not carry a minimum amount of liability insurance coverage in order to drive the car legally. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.

Second, if you have a loan on your vehicle, more than likely the lender will require that you have comprehensive coverage to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the lender may insure your vehicle at an extremely high rate and force you to pay the higher premium.

Third, car insurance protects both your assets and your vehicle. Insurance will pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance will also pay for a defense attorney if anyone sues you for causing an accident. If you have damage to your vehicle as the result of the weather or an accident, your car insurance policy will cover the repair costs.

The benefits of carrying adequate insurance definitely exceed the price paid, especially for larger claims. An average driver in America is currently overpaying as much as $865 each year so it’s recommended you shop around every year to be sure current rates are still competitive.

Whether or not you have cheap car insurance coverage is dependent on a lot of factors, but the average policy in Virginia Beach is right around $900 for an annual policy. Other states average approximately $1,224, so Virginia Beach drivers pay about $330 less each year than drivers who live in other states.

Car insurance rates are calculated based on a lot of factors, and one of the main factors is the car, truck, or SUV you are insuring. The pricing data below details insurance cost for some of the more popular vehicles bought in Virginia Beach.

Car Insurance Rates for Popular Vehicles in Virginia Beach
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Impala LTZ $722 $361 $60
Chevrolet Silverado LT Regular Cab 2WD $728 $364 $61
Dodge Ram Crew Cab TRX 2WD $744 $372 $62
Ford Escape XLT 2WD $578 $289 $48
Ford Explorer Eddie Bauer 2WD $648 $324 $54
Ford F-150 XLT Crew Cab 4WD $700 $350 $58
Ford Focus SES 4-Dr Sedan $708 $354 $59
Honda Accord EX-L 2-Dr Coupe $782 $391 $65
Honda CR-V LX 2WD $578 $289 $48
Honda Civic EX 4-Dr Sedan $708 $354 $59
Jeep Wrangler Sport Islander Package 4WD 2-Dr $634 $317 $53
Nissan Altima 2.5 S 4-Dr Sedan $722 $361 $60
Toyota Camry LE $684 $342 $57
Toyota Corolla S $722 $361 $60
Toyota RAV4 Limited 2WD $684 $342 $57
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Premium amounts do not factor in specific garaging location which can raise or lower premiums significantly.

Irresponsible driving raises your rates

The chart below shows how violations and at-fault fender-benders can raise insurance rates for each age group. The premiums are based on a married male driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

Top 10 cheapest vehicles to insure in Virginia Beach, VA
Honda Fit
Hyundai Accent
Mini Cooper
Kia Rondo
Honda Accord
Ford Escape
Mazda MX-5 Miata
Mazda 5
Chrysler PT Cruiser
Honda CR-V

Top 10 most expensive vehicles to insure in Virginia Beach, VA
Mercedes-Benz CL65 AMG
Mercedes-Benz S65 AMG
Audi R8
Mercedes-Benz CL600
Mercedes-Benz CL63 AMG
BMW 760L
Mercedes-Benz S600
Mercedes-Benz S63 AMG
Mercedes-Benz CL550

Top 10 safest vehicles to insure in Virginia Beach, VA
GMC Yukon
GMC Acadia
Jeep Liberty
GMC Sierra
Ford Fusion
Buick Enclave
Audi Q7
Subaru Outback
Toyota FJ Cruiser
Volvo XC60