Cheapest car insurance in Virginia Beach, Virginia

Virginia requires minimum liability coverage of 30/60/20, raised from 25/50/20 in 2025, plus uninsured motorist coverage. Rates below are monthly estimates for the 25-55 driver, Full coverage, Excellent credit bracket.

Pulled directly from carrier rate filings for this city.

With 459,470 residents, Virginia Beach sits in the mid-size band where carriers file rates regularly but the field of insurers is a bit shorter than in a major metro. The spread here is wide, 56% between the cheapest and priciest insurer we track, which is exactly the kind of gap a flat citywide average would hide. On average, drivers here pay about 38% less than the national baseline we track.