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

Find out where your vehicle ranks for cheap car insurance in Virginia Beach. Over 150 models from six segments are compared to find the cheapest rates.

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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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for the 2023 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Virginia Beach includes all Zip Codes and vehicle trim levels.Data last updated on May 5, 2023
Virginia Beach Car Insurance Cost by Driver Risk Profile
2023 Average Car Insurance Cost in Virginia Beach, VA
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$2,682$224
Safe Driver Age 20$2,352$196
At-fault Accidents Age 40$1,668$139
Low Deductibles Age 40$1,540$128
Safe Driver Age 30$1,244$104
Safe Driver Age 40$1,182$99
Safe Driver Age 50$1,074$90
Safe Driver Age 60$1,056$88
High Deductibles Age 40$998$83
Discount Rate Age 40$982$82

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 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average Virginia Beach car insurance cost is based on 2023 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Virginia Beach Zip Codes.Data last updated on May 5, 2023
Virginia Beach Car Insurance Rates for Popular Vehicles
Virginia Beach Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Subaru Crosstrek$902$75
Mazda CX-5$926$77
Honda HR-V$982$82
Honda CR-V$1,000$83
Ford Ranger$1,048$87
Chevrolet Equinox$1,064$89
Hyundai Tucson$1,080$90
Ford Escape$1,084$90
Nissan Rogue$1,086$91
Toyota RAV4$1,094$91
Nissan Sentra$1,096$91
Toyota Camry$1,124$94
Chevrolet Traverse$1,128$94
Honda Civic$1,156$96
Kia Forte$1,158$97
Honda Accord$1,192$99
Ford F150$1,202$100
Hyundai Santa Fe$1,212$101
Jeep Grand Cherokee$1,254$105
Ford Mustang$1,280$107
Ram Truck$1,288$107
Hyundai Elantra$1,290$108
Chevrolet Silverado$1,292$108
Ford Bronco$1,314$110

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.

Top 40 Cheapest Auto Insurance Rates in Virginia Beach
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$892$74
2Subaru Crosstrek$902$75
3Nissan Kicks$904$75
4Honda Passport$918$77
5Nissan Rogue Sport$922$77
6Mazda CX-5$926$77
7Buick Encore$942$79
8Buick Envision$946$79
9Kia Seltos$956$80
10Subaru Ascent$960$80
11Hyundai Venue$962$80
12Ford Maverick$980$82
13Subaru Impreza$980$82
14Honda HR-V$982$82
15Chevrolet Colorado$984$82
16Acura RDX$986$82
17Hyundai Kona$990$83
18Subaru Forester$996$83
19Honda CR-V$1,000$83
20Ford Edge$1,002$84
21Mazda CX-30$1,004$84
22Ford Explorer$1,006$84
23Volkswagen Atlas$1,008$84
24Chevrolet Trax$1,012$84
25Nissan Murano$1,014$85
26Subaru Outback$1,018$85
27Nissan Frontier$1,020$85
28Volkswagen Tiguan$1,026$86
29Ford Bronco Sport$1,028$86
30Fiat 500X$1,046$87
31Ford Ranger$1,048$87
32GMC Terrain$1,050$88
33Kia Soul$1,050$88
34Mitsubishi Eclipse Cross$1,054$88
35Volkswagen Atlas Cross Sport$1,054$88
36Lexus RX 350$1,056$88
37Acura Integra$1,060$88
38Chevrolet Equinox$1,064$89
39Cadillac XT4$1,066$89
40Toyota Corolla Cross$1,066$89

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Virginia Beach, VA.Data last updated on May 5, 2023
    Top 40 Cheapest Auto Insurance Rates in Virginia Beach

    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.

    Cheapest Insurance for Cars in Virginia Beach
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$980$82
    Volkswagen JettaCompact$1,078$90
    Subaru LegacyMidsize$1,088$91
    Nissan SentraCompact$1,096$91
    Toyota CorollaCompact$1,108$92
    Volkswagen GolfCompact$1,110$93
    Toyota PriusCompact$1,114$93
    Toyota CamryMidsize$1,124$94
    Mazda 3Compact$1,130$94
    Kia K5Midsize$1,138$95
    Chevrolet MalibuMidsize$1,148$96
    Chrysler 300Full-size$1,152$96
    Honda CivicCompact$1,156$96
    Kia ForteCompact$1,158$97
    Mitsubishi Mirage G4Compact$1,166$97
    Nissan LeafCompact$1,190$99
    Honda AccordMidsize$1,192$99
    Toyota CrownMidsize$1,198$100
    Tesla Model 3Midsize$1,208$101
    Volkswagen ArteonMidsize$1,240$103

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Virginia Beach, VA.Data last updated on May 5, 2023
      Cheapest Insurance for Cars in Virginia Beach

      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).

      Cheapest Insurance for SUVs in Virginia Beach
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Chevrolet TrailblazerCompact$892$74
      Subaru CrosstrekCompact$902$75
      Nissan KicksCompact$904$75
      Honda PassportMidsize$918$77
      Nissan Rogue SportCompact$922$77
      Mazda CX-5Compact$926$77
      Buick EncoreCompact$942$79
      Buick EnvisionCompact$946$79
      Kia SeltosCompact$956$80
      Subaru AscentMidsize$960$80
      Hyundai VenueCompact$962$80
      Honda HR-VCompact$982$82
      Hyundai KonaCompact$990$83
      Subaru ForesterCompact$996$83
      Honda CR-VCompact$1,000$83
      Ford EdgeMidsize$1,002$84
      Mazda CX-30Compact$1,004$84
      Ford ExplorerMidsize$1,006$84
      Volkswagen AtlasMidsize$1,008$84
      Chevrolet TraxCompact$1,012$84

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Virginia Beach, VA.Data last updated on May 5, 2023
        Cheapest Insurance for SUVs in Virginia Beach

        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.

        Cheapest Insurance for Pickups in Virginia Beach
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Ford MaverickMidsize$980$82
        Chevrolet ColoradoMidsize$984$82
        Nissan FrontierMidsize$1,020$85
        Ford RangerMidsize$1,048$87
        GMC CanyonMidsize$1,072$89
        Toyota TacomaMidsize$1,078$90
        Hyundai Santa CruzMidsize$1,098$92
        Nissan TitanFull-size$1,168$97
        Honda RidgelineMidsize$1,174$98
        Ford F150Full-size$1,202$100
        GMC Sierra 2500 HDHeavy Duty$1,210$101
        Jeep GladiatorMidsize$1,226$102
        Toyota TundraFull-size$1,242$104
        GMC Sierra 3500Heavy Duty$1,246$104
        Ram TruckFull-size$1,288$107
        GMC SierraFull-size$1,290$108
        Chevrolet SilveradoFull-size$1,292$108
        Chevrolet Silverado HD 2500Heavy Duty$1,296$108
        Chevrolet Silverado HD 3500Heavy Duty$1,298$108
        Nissan Titan XDHeavy Duty$1,320$110

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Virginia Beach, VA.Data last updated on May 5, 2023
          Cheapest Insurance for Pickups in Virginia Beach

          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.

          Cheapest Insurance for Sports Cars in Virginia Beach
          Make/Model Vehicle Type Annual Cost Monthly Cost
          Mazda MX-5 MiataSports Car$1,092$91
          Audi TTSports Car$1,224$102
          Ford MustangSports Car$1,280$107
          BMW Z4Sports Car$1,290$108
          Subaru WRXSports Car$1,304$109
          Nissan ZSports Car$1,324$110
          Toyota GR SupraSports Car$1,346$112
          BMW M2Sports Car$1,362$114
          Toyota GR86Sports Car$1,362$114
          Subaru BRZSports Car$1,424$119
          Chevrolet CorvetteSports Car$1,456$121
          BMW M3Sports Car$1,490$124
          Porsche 718Sports Car$1,520$127
          Lexus RC FSports Car$1,522$127
          Chevrolet CamaroSports Car$1,544$129
          Mercedes-Benz AMG GT53Sports Car$1,638$137
          Jaguar F-TypeSports Car$1,698$142
          Porsche TaycanSports Car$1,732$144
          BMW M4Sports Car$1,754$146
          Lexus LC 500Sports Car$1,774$148

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Virginia Beach, VA.Data last updated on May 5, 2023
            Cheapest Insurance for Sports Cars in Virginia Beach

            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.

            Cheapest Insurance for Luxury Cars in Virginia Beach
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Acura IntegraCompact$1,060$88
            BMW 330iCompact$1,200$100
            Acura TLXCompact$1,218$102
            Cadillac CT4Compact$1,234$103
            Genesis G70Compact$1,258$105
            Cadillac CT5Midsize$1,270$106
            Lexus ES 350Midsize$1,274$106
            BMW 330eCompact$1,278$107
            Lexus ES 250Midsize$1,280$107
            BMW 228iCompact$1,284$107
            Lexus RC 300Midsize$1,286$107
            Mercedes-Benz AMG CLA35Midsize$1,288$107
            Audi A3Midsize$1,292$108
            BMW 230iCompact$1,294$108
            Mercedes-Benz C300Compact$1,306$109
            Audi A4Compact$1,308$109
            Lexus RC 350Compact$1,310$109
            Audi S3Compact$1,318$110
            Mercedes-Benz AMG CLA45Midsize$1,318$110
            Volvo S60Compact$1,320$110

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Virginia Beach, VA.Data last updated on May 5, 2023
              Cheapest Insurance for Luxury Cars 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.

              Cheapest Insurance for Luxury SUVs in Virginia Beach
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Acura RDXCompact$986$82
              Lexus RX 350Midsize$1,056$88
              Cadillac XT4Compact$1,066$89
              Volvo XC40Compact$1,086$91
              Infiniti QX50Midsize$1,094$91
              Lexus UX 250hCompact$1,106$92
              Cadillac XT5Midsize$1,122$94
              Mercedes-Benz GLA250Compact$1,146$96
              Cadillac XT6Midsize$1,150$96
              Mercedes-Benz GLB 250Compact$1,150$96
              Lexus NX 250Compact$1,164$97
              Acura MDXMidsize$1,176$98
              Lexus NX 350hCompact$1,178$98
              Lexus NX 350Compact$1,186$99
              Lincoln CorsairCompact$1,188$99
              Lexus NX 450hCompact$1,190$99
              Lincoln NautilusMidsize$1,196$100
              Alfa Romeo TonaleCompact$1,198$100
              BMW X1Compact$1,198$100
              Mercedes-Benz GLC300Compact$1,204$100

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Virginia Beach, VA.Data last updated on May 5, 2023
                Cheapest Insurance for Luxury SUVs 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.