Car Insurance Cost in Virginia Beach, VA – Cheapest Vehicles for 2023

• Average car insurance cost in Virginia Beach is $1,182 per year, or $99 per month, for a full-coverage policy.
• Car insurance rates for a few popular vehicles in Virginia Beach include the Subaru Legacy ($1,088 per year), Acura RDX ($986 per year), Subaru Impreza ($980 per year), and Ford Maverick ($980 per year).
• For cheap car insurance in Virginia Beach, crossover vehicles like the Subaru Forester, Buick Encore, and Nissan Rogue Sport have some of the most affordable rates.

How much is car insurance in Virginia Beach?

In Virginia Beach, the average car insurance cost is $1,182 per year, which is 35.1% less than the overall national average rate of $1,685. Per month, Virginia Beach car insurance costs around $99 for a full coverage policy.

Average car insurance cost in Virginia is $1,174 per year, so Virginia Beach drivers pay an average of $8 more per year than the overall Virginia state-wide average rate. When compared to other locations in Virginia, the cost of auto insurance in Virginia Beach is approximately $34 per year cheaper than in Richmond, $8 per year more than in Chesapeake, and $16 per year more than in Newport News.

The age of the rated driver is the largest factor that influences the cost of auto insurance, so the list below details how age impacts cost by breaking out average car insurance rates depending on driver age.

Virginia Beach car insurance cost by driver age

• 16-year-old rated driver – $4,232 per year or $353 per month
• 17-year-old rated driver – $3,956 per year or $330 per month
• 18-year-old rated driver – $3,696 per year or $308 per month
• 19-year-old rated driver – $3,344 per year or $279 per month
• 20-year-old rated driver – $2,352 per year or $196 per month
• 30-year-old rated driver – $1,244 per year or $104 per month
• 40-year-old rated driver – $1,182 per year or $99 per month
• 50-year-old rated driver – $1,074 per year or $90 per month
• 60-year-old rated driver – $1,056 per year or $88 per month

The chart below summarizes average auto insurance cost in Virginia Beach broken out for a variety of driver ages and common policy situations. Rates are averaged for all 2023 vehicle models including luxury and performance vehicles.

Average rates in the previous chart range from $982 per year for a 40-year-old driver that qualifies for many policy discounts to $2,682 per year for a 20-year-old driver with a poor driving record or too many at-fault accidents. The rate used in this article for comparison of different models and locations is the 40-year-old safe driver rate, which has an average cost of $1,182 per year in Virginia Beach.

As a monthly expense, average car insurance cost in Virginia Beach ranges from $82 to $224 for the risk profiles shown in the chart above.

Virginia Beach car insurance rates are different for every driver and can also be very different depending on the company. Due to the high likelihood of rate variability, this reinforces the need to get multiple auto insurance quotes when looking for a cheaper auto insurance policy.

The cost to insure specific vehicles

The prior car insurance rates take the cost to insure each 2023 vehicle model and average them, which is handy when making generalized comparisons such as the cost difference between driver ages or locations.

For more complete auto insurance comparisons, however, the data will be more precise if we instead look at the specific model of vehicle being insured. If you read farther in this article, we get into both rates by vehicle segment and rates for all different kinds of vehicles, but for now, we will explore just a few popular models to see how car insurance rates stack up in Virginia Beach.

The following chart breaks down average insurance cost for some of the more popular cars, trucks, and SUVs you’ll see on the streets of Virginia Beach.

The models that have high popularity in Virginia Beach tend to be compact and midsize cars like the Hyundai Elantra and Honda Accord and compact or midsize SUVs like the Honda CR-V and Jeep Grand Cherokee.

Some additional popular models in Virginia Beach from different automotive segments include luxury models like the BMW 530i and Infiniti QX60, pickup trucks like the Ford F-150 and Ford Ranger, and sports cars like the Audi TT and Chevy Corvette.

We get into more auto insurance rates in a little bit, but before we get into that data, let’s make a quick review of some of the key concepts covered so far in the article.

• Virginia Beach car insurance cost is less than the U.S. average – $1,182 (Virginia Beach average) compared to $1,685 (U.S. average)
• Virginia Beach car insurance rates are more expensive than the Virginia state average – $1,182 (Virginia Beach average) compared to $1,174 (Virginia average)
• Car insurance costs less the older you are – Average auto insurance rates for a 40-year-old driver in Virginia Beach are $1,170 per year cheaper than for a 20-year-old driver.
• Car insurance rates drop substantially between ages 20 and 30 – The average 30-year-old Virginia Beach driver will pay $1,108 less per year than a 20-year-old driver, $1,244 compared to $2,352.
• Average car insurance cost per month ranges from $88 to $353 – That’s the average car insurance price range for drivers from age 16 to 60 in Virginia Beach.
• Low deductible car insurance costs more – A 40-year-old driver pays an average of $376 more per year for $250 deductibles versus $1,000 deductibles.

Which vehicles are cheapest to insure in Virginia Beach?

When comparing all 2023 makes and models, the vehicles with the cheapest average insurance rates in Virginia Beach, VA, tend to be small SUVs and crossovers like the Subaru Crosstrek, Nissan Kicks, and Nissan Rogue Sport. Average car insurance prices for those crossover SUVs cost $946 or less per year, or $79 per month, for full coverage car insurance.

Other models that have affordable auto insurance prices in our car insurance cost comparison are the Hyundai Kona, Ford Maverick, Chevrolet Colorado, and Subaru Ascent. Average cost is somewhat higher for those models than the compact SUVs at the top of the list, but they still have an average cost of $1,000 or less per year ($83 per month) in Virginia Beach.

The following table ranks the top 40 cheapest vehicles to insure in Virginia Beach, sorted by annual and monthly insurance cost.

The table above that contains 40 ranked vehicles serves the purpose if you’re just looking for any vehicle with cheap insurance rates. Due to the fact that we track over 700 vehicles, a lot of vehicles get left off the list.

So let’s take a different approach and reorganize the models with the lowest rates an alternative way, by automotive segment. The next six sections rank the models with the lowest cost car insurance rates for the six main vehicle segments.

Cheapest cars to insure in Virginia Beach

The three highest ranking non-luxury sedans with the most affordable car insurance in Virginia Beach are the Subaru Impreza at $980 per year, the Volkswagen Jetta at $1,078 per year, and the Subaru Legacy at $1,088 per year.

Rounding out the top 10 are cars like the Toyota Prius, Kia K5, Mazda 3, and Volkswagen Golf, with average rates of $1,138 per year or less.

From a monthly standpoint, auto insurance rates in Virginia Beachon this segment for an average middle-age driver can cost as low as $82 per month, depending on where you live.

When ranked by vehicle size, the cheapest compact car to insure in Virginia Beach is the Subaru Impreza at $980 per year, or $82 per month. For midsize cars, the Subaru Legacy is cheapest to insure at $1,088 per year, or $91 per month. And for large cars, the Chrysler 300 has the best rates at $1,152 per year, or $96 per month.

The table below ranks the twenty cars with the cheapest car insurance in Virginia Beach, starting with the Subaru Impreza at $980 per year and ending with the Volkswagen Arteon at $1,240 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Need rates for a different vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Virginia Beach car insurance quotes from top companies in Virginia.

Cheapest SUV insurance rates in Virginia Beach

The top-ranked vehicle in Virginia Beach for cheapest insurance in the SUV segment is the Chevrolet Trailblazer, costing $892 per year. Second place is the Subaru Crosstrek at $902 per year, and third place goes to the Nissan Kicks, costing an average of $904 per year.

Not the cheapest, but still very affordable, are models like the Buick Encore, Kia Seltos, Buick Envision, and Mazda CX-5, with average cost of $960 per year or less.

In the bottom half of the top 20, SUVs like the Honda CR-V, Hyundai Venue, Chevrolet Trax, Hyundai Kona, Mazda CX-30, and Ford Edge average between $960 and $1,012 per year for insurance in Virginia Beach.

From a monthly standpoint, full-coverage auto insurance in this segment for a good driver can cost as low as $74 per month, depending on the company and your location.

The rate comparison table below ranks the twenty SUVs with the cheapest insurance rates in Virginia Beach, starting with the Chevrolet Trailblazer at $892 per year ($74 per month) and ending with the Chevrolet Trax at $1,012 per year ($84 per month).

For more car insurance comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see your SUV in the table above? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Virginia Beach car insurance quotes from top-rated auto insurance companies in Virginia.

Cheapest pickup truck insurance rates in Virginia Beach

The most affordable pickup trucks to insure in Virginia Beach are the Ford Maverick at $980 per year, the Chevrolet Colorado at $984 per year, and the Nissan Frontier at $1,020 per year.

Additional pickups that have affordable insurance rates include the Honda Ridgeline, Hyundai Santa Cruz, Nissan Titan, and Ford F150, with average insurance cost of $1,202 per year or less.

Auto insurance rates in this segment can cost as low as $82 per month, depending on where you live and the company you use. The rate comparison table below ranks the twenty pickups with the cheapest auto insurance rates in Virginia Beach, starting with the Ford Maverick at $82 per month and ending with the Nissan Titan XD at $110 per month.

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

Looking for insurance rates for a different truck? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Virginia.

Cheapest sports car insurance rates in Virginia Beach

Taking the top spot in Virginia Beach for the lowest-cost insurance in the sports car segment is the Mazda MX-5 Miata, coming in at $1,092 per year. Second place is the Audi TT costing $1,224 per year, and ranking third is the Ford Mustang, costing an average of $1,280 per year.

Additional sports cars that are affordable to insure include the Toyota GR Supra, Nissan Z, Toyota GR86, and Subaru BRZ, with an average cost to insure of $1,424 per year or less.

Ranking between positions 10 and 20, models like the Porsche 718, BMW M3, Jaguar F-Type, Chevrolet Corvette, Porsche Taycan, and Chevrolet Camaro average between $1,424 and $1,774 per year to insure in Virginia Beach.

As a cost per month, auto insurance rates on this segment in Virginia Beach for a middle-age safe driver starts at an average of $91 per month, depending on the company and your location.

The rate comparison table below ranks the sports cars with the most affordable insurance rates in Virginia Beach, starting with the Mazda MX-5 Miata at $1,092 per year and ending with the Lexus LC 500 at $1,774 per year.

Don’t see insurance rates for your vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Virginia.

Cheapest luxury car insurance rates in Virginia Beach

When comparing 2023 models, the top five most affordable luxury cars to insure in Virginia Beach are the Acura Integra, BMW 330i, Acura TLX, Cadillac CT4, and Genesis G70. Rates for for these five cars range from $1,060 to $1,258 per year.

Not the cheapest in the list, but still ranking well, are models like the BMW 330e, Lexus ES 350, BMW 228i, and Lexus ES 250, with average insurance cost of $1,284 per year or less.

From a monthly standpoint, car insurance on this segment in Virginia Beach for the average driver can cost as low as $88 per month, depending on the company and your location.

When prices are compared by vehicle size, the most budget-friendly compact luxury car to insure in Virginia Beach is the Acura Integra at $1,060 per year, or $88 per month. For midsize luxury car models, the Cadillac CT5 is cheapest to insure at $1,270 per year, or $106 per month. And for full-size luxury car models, the Audi A5 is the cheapest model to insure at $1,324 per year, or $110 per month.

The table below ranks the luxury cars with the lowest-cost average car insurance rates in Virginia Beach.

For more luxury car insurance comparisons, see our complete guide for luxury car insurance.

Need rates for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Virginia.

Cheapest luxury SUVs to insure in Virginia Beach

The four lowest-cost luxury SUVs to insure in Virginia Beach are the Acura RDX at $986 per year, Lexus RX 350 at $1,056 per year, Cadillac XT4 at $1,066 per year, and Volvo XC40 at $1,086 per year.

Not the cheapest luxury SUVs to insure, but still very reasonable, are luxury SUVs like the Mercedes-Benz GLB 250, Cadillac XT5, Mercedes-Benz GLA250, and Lexus UX 250h, with average rates of $1,150 per year or less.

Some additional 2023 models that rank well include the Mercedes-Benz GLC300, BMW X1, Lincoln Nautilus, Lexus NX 250, and Lexus NX 450h, which cost between $1,150 and $1,204 per year to insure.

Full-coverage auto insurance for this segment in Virginia Beach for a safe driver will start around $82 per month, depending on your location.

The most budget-friendly compact luxury SUV to insure in Virginia Beach is the Acura RDX at $986 per year. For midsize 2023 models, the Lexus RX 350 has the best rates at $1,056 per year. And for large luxury SUVs, the Volvo XC90 is most affordable to insure at $1,216 per year.

The next table ranks the luxury SUVs with the most affordable average insurance rates in Virginia Beach.

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Is your luxury SUV missing from the table above? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Virginia.

How to find cheaper Virginia Beach auto insurance

Drivers are always searching for ways to reduce their monthly car insurance expenses, so take a minute or two to look through the savings concepts below and maybe you’ll find a way to save a few bucks on your next policy.

• A good driving record means cheaper rates. In order to have affordable car insurance in Virginia Beach, it’s necessary to obey traffic laws. Just a few driving offenses could result in raising policy cost by up to $312 per year. Major convictions like a DWI could raise rates by an additional $1,086 or more.
• Raise your credit score for cheaper insurance rates. Drivers with high 800+ credit scores could save around $186 per year versus a credit rating between 670-739. Conversely, a weak credit score could cost around $215 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Choose a vehicle that is cheaper to insure. The performance of the vehicle you drive is a big factor in the cost of car insurance. For example, a Hyundai Kona costs $434 less per year to insure in Virginia Beach than a Subaru BRZ. Lower performance vehicles save money.
• Compare rates before buying a car. Different models, and even different trim levels of the same model, can have significantly different car insurance premiums, and companies can sell coverages with widely varying rates. Get comparison quotes before you buy a different vehicle in order to prevent price shock when insuring your new vehicle.
• Your occupation could reduce your rates. The vast majority of auto insurance providers offer discounts for certain occupations like emergency medical technicians, scientists, members of the military, architects, nurses, dentists, and others. By working in a job that qualifies, you may save between $35 and $119 on your annual car insurance bill.
• Increasing deductibles makes car insurance cheaper. Jacking up your deductibles from $500 to $1,000 could save around $276 per year for a 40-year-old driver and $538 per year for a 20-year-old driver.
• Remove unneeded coverage on older vehicles. Dropping full coverage from vehicles that are older will reduce the cost of insurance considerably.