Who Has Affordable Auto Insurance Rates for 4×4 Vehicles in Virginia Beach?

Trying to find affordable car insurance is not most people’s favorite thing to do, and finding out which companies quote the lowest-priced car insurance rates for 4×4 vehicles calls for even more shopping around. Every car insurance company has their own unique process to establish rates, so we’ll take a look at the car insurance companies with the most affordable rates in Virginia Beach, VA.

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Virginia auto insurance company rankings
Rank Company Cost Per Year
1 Travelers $679
2 USAA $716
3 Penn National $740
4 Cincinnati Insurance $755
5 Auto-Owners $765
6 Utica National $788
7 Erie $804
8 The Hartford $809
9 Virginia Farm Bureau $826
10 Donegal Mutual $886
11 Nationwide $963
12 Allied $982
13 GEICO $1,026
14 ALFA $1,028
15 National Grange Mutual $1,060
16 State Farm $1,143
17 Chubb $1,145
18 Electric $1,192
19 Progressive $1,209
20 Amica $1,229
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Travelers quotes some of the best car insurance rates in Virginia Beach at around $679 each year. This is $479 less than the average rate paid by Virginia drivers of $1,158. USAA, Penn National, Cincinnati Insurance, and Auto-Owners also qualify as some of the most economical Virginia Beach, VA auto insurance companies.

As depicted above, if you have coverage with Auto-Owners and switched to USAA, you might achieve savings of roughly $49. Virginia drivers with Utica National may save as much as $72 a year, and Erie customers might reduce rates by $88 a year.

To find out how much you can save, click here to get quotes or feel free to get quotes from the companies below.

These policy rates are averaged across all drivers and vehicles in Virginia and and are not calculated with a vehicle location for 4×4 vehicles. So the company that has the cheapest price for you may not even be in the list above. That emphasizes why you need to compare rates from multiple companies using your own driver information and specific vehicle type.

The make and model of vehicle that needs insurance is one of the biggest factors that determines whether or not you find low-priced insurance for 4×4 vehicles. Vehicles with lower performance, a plethora of safety features, or a low likelihood of liability claims will cost quite a bit less to insure than high performance models.

The data below estimates auto insurance costs for a number of the cheaper vehicles to insure in Virginia.

Cheapest Vehicles to Insure in Virginia Beach, VA
Make and Model Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $1,148
Ford Escape Limited 2WD $1,175
Toyota Prius $1,274
Jeep Wrangler Rubicon 4WD 2-Dr $1,289
Honda CR-V EX-L 4WD $1,332
Jeep Grand Cherokee Laredo 2WD $1,361
Toyota RAV4 Limited 2WD $1,369
Chevrolet Impala LT $1,361
Toyota Camry LE $1,371
Volkswagen Jetta S 2.5 Station Wagon $1,371
Hyundai Elantra Blue 4-Dr Sedan $1,409
Ford Edge Limited AWD $1,436
Toyota Corolla XLE $1,443
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Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Rates do not factor in specific location information which can affect price quotes greatly.

Based upon the table data, vehicles like the Honda Accord, Ford Escape, Toyota Prius, and Jeep Wrangler will definitely be some of the cheapest vehicles to insure for off-road vehicles.

One of the more important components that help determine auto insurance rates is where you choose to live in Virginia Beach. Regions with larger populations or more claims tend to have higher rates, whereas more rural areas benefit from having to pay less for coverage.

The next table shows the highest-priced places in Virginia for 4×4 vehicles in which to buy car insurance. Virginia Beach is listed at #16 costing $920 for the average insured, which is around $77 monthly.

How much does car insurance cost in Virginia Beach, VA?
Rank City Annual Rate
1 Alexandria $1,047
2 Burke $1,037
3 Lake Ridge $1,032
4 Dale City $1,028
5 Centreville $1,027
6 Arlington $1,013
7 McLean $985
8 Reston $983
9 Richmond $975
10 Hampton $972
11 Norfolk $970
12 Portsmouth $963
13 Tuckahoe $939
14 Chesapeake $935
15 Danville $922
16 Virginia Beach $920
17 Newport News $920
18 Suffolk $910
19 Ashburn $902
20 Leesburg $895
21 Charlottesville $886
22 Lynchburg $877
23 Roanoke $831
24 Harrisonburg $808
25 Blacksburg $775
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Table data uses comparative as specific Virginia Beach zip code can raise or lower prices considerably.

Car insurance companies ranked

Insuring your vehicle with the right auto insurance company is difficult considering how many different companies there are to choose from in Virginia Beach. The company information below can help you choose which auto insurance companies you want to consider comparing price quotes from.

These rankings are only made up of large, nationwide insurance companies, so companies without a large exposure are not factored into this list. To compare price quotes from many more Virginia auto insurance companies, follow this link.

Virginia Beach, VA Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
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Data Source: Insure.com Best Car Insurance Companies

The information below shows how choosing a deductible can influence insurance prices when getting quotes for cheap insurance for 4×4 vehicles. The premium estimates are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.

As shown above, a 30-year-old driver could lower their car insurance rates by $316 a year by switching from a $100 deductible to a $500 deductible, or save $474 by choosing a $1,000 deductible. Even younger drivers, like the Age 20 category, could drop their prices up to $708 or even more by choosing larger deductibles on their policy.

If you make the decision to raise deductibles, it will be necessary to have enough spare savings to enable you to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

How to get discounts on Virginia Beach insurance

Car insurance for off-road vehicles in Virginia Beach, VAInsurers that provide coverage for 4×4 vehicles may also give you discounts that can reduce rates by 30% or more if you can meet the requirements. A list of car insurance companies and a selection of discounts are outlined below.

The example below shows the comparison of auto insurance costs with and without discounts. The costs are based on a female driver, no accidents or driving violations, Virginia state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with homeowner, passive restraint, anti-theft, accident-free, vehicle safety, and claim-free discounts applied. When discounts are applied, the average amount saved each year on car insurance for 4×4 vehicles is 27% or $391.