How Much Does Auto Insurance Cost in Virginia Beach, VA?
Virginia Beach pricing is near the national average. Updated for 2026.
Based on local labor rates, humid-subtropical climate conditions, and Virginia Beach's military-tourism-agriculture economy.See our methodology
Auto Insurance Pricing in Virginia Beach, VA
In Virginia Beach, auto insurance costs are 5% above the national average, reflecting the city's military-tourism-agriculture-driven economy. The balanced labor market means you have decent options when shopping for quotes. Most residents with a population base of 460K find the pricing competitive relative to the local cost of living.
Local climate plays a direct role in auto insurance costs here. Coastal flooding and hurricane risk affect construction requirements; salt air corrosion impacts exterior maintenance cycles.
Market-specific factors matter in Virginia Beach: large military community provides steady demand; coastal building requirements add to costs; moderate overall pricing compared to Northeast.
Virginia Beach has moderate permitting requirements. Depending on the scope of your auto insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Virginia Beach vs National Average
What Affects Auto Insurance Cost in Virginia Beach?
Coverage
Minimum liability: $50-$100/mo. Full coverage: $150-$300/mo
Driving Record
Clean record vs DUI/accident can mean 50-200% higher premiums
Virginia Beach Market Conditions
large military community provides steady demand; coastal building requirements add to costs; moderate overall pricing compared to Northeast
Local Climate Impact
coastal flooding and hurricane risk affect construction requirements; salt air corrosion impacts exterior maintenance cycles
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Top-Rated Auto Insurance Pros in Virginia Beach, VA
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Tips to Save on Auto Insurance in Virginia Beach
- 1.Bundle with home insurance for 10-25% discount
- 2.Raise your deductible to lower premiums
- 3.Ask about safe driver and low mileage discounts
- 4.Shop around every 1-2 years — loyalty rarely pays
📈 Auto Insurance in Virginia Beach Cost Trends (2020–2024)
Prices have increased +18.1% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $160 | — |
| 2021 | $167 | +4.4% |
| 2022 | $178 | +6.6% |
| 2023 | $183 | +2.8% |
| 2024 | $189 | +3.3% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Auto Insurance in Virginia Beach
Recent Reports
Frequently Asked Questions
How much car insurance do I need?
At minimum, you need your state's required liability coverage. Experts recommend at least 100/300/100 liability plus comprehensive and collision.
Why does auto insurance cost different in Virginia Beach than other cities?
Virginia Beach's costs reflect local labor rates driven by the military-tourism-agriculture economy, humid-subtropical climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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