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Last updated: November 30, 2025Best Cheap Car Insurance in Virginia Beach
State Farm offers the cheapest full coverage auto insurance in Virginia Beach, with an average annual premium of $1,093.
Best Overall
Editor's Rating:4.9/5
Average Cost in Virginia Beach
- Full Coverage Monthly: $91
- Minimum Coverage Monthly: $48
Best for Military and Veterans
Editor's Rating:5/5
Average Cost in Virginia Beach
- Full Coverage Monthly: $107
- Minimum Coverage Monthly: $60
Best for Customer Satisfaction
Editor's Rating:5/5
Average Cost in Virginia Beach
- Full Coverage Monthly: $119
- Minimum Coverage Monthly: $93
Key Takeaways
- Auto insurance in Virginia Beach is slightly less expensive than the statewide average for full coverage and more expensive than the statewide average for minimum coverage. Full coverage averages $1,728 annually, and minimum coverage averages $929.
- State Farm, Virginia Farm Bureau and Auto-Owners have the lowest full and minimum coverage rates in Virginia Beach, on average.
- Average auto insurance premiums are helpful, but the cost of auto insurance varies depending on your vehicle, driving history and location. For the most accurate rates, get quotes directly from the insurers.
Our Top Picks for the Best Cheap Auto Insurance in Virginia Beach
- Best Overall: State Farm
- Best for Military and Veterans: USAA
- Best for Customer Satisfaction: Erie
- Best Regional Provider: Virginia Farm Bureau
- Best for Minimum Coverage: Auto-Owners
Compare the Best Cheap Auto Insurance in Virginia Beach
| Company | Full coverage annual average | Minimum coverage annual average | Mid-Atlantic customer satisfaction (J.D. Power) |
|---|---|---|---|
| State Farm | $1,093 | $577 | Above average |
| USAA | $1,282 | $715 | Above average* |
| Erie | $1,426 | $1,116 | Above average |
| Virginia Farm Bureau | $1,132 | $536 | Not rated |
| Auto-Owners | $1,188 | $535 | Not rated |
| Virginia Beach | $1,728 | $929 | – |
*Due to its eligibility restrictions, USAA doesn’t officially qualify to rank on J.D. Power’s surveys.
Detailed List of the Best Cheap Providers in Virginia Beach
1. Best Overall - State Farm
What We Like Most:
- Low rates in Virginia Beach
- Strong customer satisfaction
- National provider
Why we chose it
We selected State Farm as our best overall auto insurance provider in Virginia Beach because it offers a strong combination of low rates for full and minimum coverage and excellent customer service from the largest auto insurance provider in the U.S.1
State Farm’s full coverage rates are the lowest of all our best cheap Virginia Beach auto insurers, and the company scored higher than average in J.D. Power’s studies for both customer and claims satisfaction.
It offers a wide range of ways to save, including safe-driver discounts and bundling discounts. (We named State Farm the best auto insurance in Virginia for safe drivers.) For those who prefer to shop and manage their policies in person, State Farm offers many local agents in the Virginia Beach area.
Who it’s best for
State Farm is a great option for people who are seeking competitive rates and solid customer service from a national insurer. It’s a good choice for those who like to purchase and manage their policies in person. State Farm also offers rideshare coverage, making it a solid pick for rideshare drivers.
State Farm Virginia Beach Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $91 | $48 |
| Annually | $1,093 | $577 |
| Difference from Virginia Beach average | -37% | -38% |
2. Best for Military and Veterans - USAA
What We Like Most:
- Strong customer satisfaction scores
- Low rates for military members and their families
- Lots of discounts
Why we chose it
USAA is known nationally for offering some of the lowest rates across a wide range of driver profiles, including teens and high-risk drivers with a bad record. Although it doesn’t technically qualify for J.D. Power’s customer satisfaction surveys due to its limited availability, USAA’s scores are consistently well above the study average.
USAA offers a large range of discounts, including savings when you store your car on a military base or while deployed.
Who it’s best for
USAA is available only to military members, veterans and their families. For those who qualify, it’s a great option for any driver seeking low rates and a high standard of customer service.
USAA Virginia Beach Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $107 | $60 |
| Annually | $1,282 | $715 |
| Difference from Virginia Beach average | -26% | -23% |
3. Best for Customer Satisfaction - Erie
What We Like Most:
- #1 in the Southeast on J.D. Power
- A- grade on CRASH Network Insurer Report Card
- Ability to lock in rates
Why we chose it
Erie’s customer satisfaction scores are the best of any of our Virginia Beach providers. It consistently gets high scores on the J.D. Power studies, the CRASH Network Insurer Report Card, and the NAIC Complaint Index. Despite its limited availability, Erie is the 12th-largest insurer in the U.S.2
In the 12 states where Erie is available, it’s known for offering lower-than-average rates for both full and minimum coverage.With Erie, you can lock in your auto insurance rate, so your premiums won’t increase even if you file a claim.
Who it’s best for
Erie’s rates are higher than those of the other insurers on our list, though it’s still cheaper than the national average for full coverage. This makes Erie a great option for customers who prioritize excellent customer service over the absolute lowest rates.
Erie Virginia Beach Pricing
| Erie | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $119 | $93 |
| Annually | $1,426 | $1,116 |
| Difference from Virginia Beach average | -17% | +20% |
4. Best Regional Provider - Virginia Farm Bureau
What We Like Most:
- Low rates in Virginia Beach
- Local provider
- Safe-driver discounts
Why we chose it
Virginia Farm Bureau has the second-lowest full and minimum coverage rates in Virginia Beach. With a wide range of agents stationed throughout the state, Virginia Farm Bureau offers local, personal service.
Customer satisfaction data is limited, but it fared exceptionally well on the National Association of Insurance Commissioners (NAIC) Complaint Index, with a score of 0.42, and only 0.20 when filtered for private passenger complaints only (1 is considered average, and 2 indicates double the average number of complaints).
Who it’s best for
Virginia Farm Bureau is best for anyone looking for a more local, personal shopping experience, low rates, and a high standard of customer service. You must be a Virginia Farm Bureau member to buy car insurance from the company; membership costs $40 annually and includes other benefits, like discounts on travel.3
Virginia Farm Bureau Virginia Beach Pricing
| Virginia Farm Bureau | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $94 | $45 |
| Annually | $1,132 | $536 |
| Difference from Virginia Beach average | -34% | -42% |
5. Best for Minimum Coverage - Auto-Owners
What We Like Most:
- Lowest minimum coverage rate
- Independent agents
- Affordable rates for teens
Why we chose it
Auto-Owners is a great choice for Virginia Beach drivers seeking the absolute cheapest insurance, with average minimum coverage rates at $535 annually. It sells policies through local independent agents, with six partner agencies in Virginia Beach alone.
Auto-Owners is also among our top picks for families with teens nationally, thanks to its low rates for young drivers.
Additionally, the company’s above-average B score on the CRASH Network Insurer Report Card suggests the company provides a smooth claims process.
Who it’s best for
Drivers seeking minimum coverage, families with teens, and customers who prefer to purchase and manage their policies in person. Auto-Owners doesn’t offer an online quote tool, and its apps hold relatively low customer review scores for both the Apple (2.9 stars) and Android versions.
Auto-Owners Virginia Beach Pricing
| Auto-Owners | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $99 | $45 |
| Annually | $1,188 | $535 |
| Difference from Virginia Beach average | -31% | -42% |
Virginia Beach Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Mid-Atlantic4 | CRASH Network Insurer Report Card5 | J.D. Power Auto Claims Satisfaction Study6 | NAIC Complaint Index7 |
|---|---|---|---|---|
| State Farm | 673 | C- | 716 | 2.16 |
| USAA | 743* | D+ | 741* | 2.74 |
| Erie | 706 | A- | 743 | 1.14 |
| Virginia Farm Bureau | Data not available | Data not available | Data not available | 0.40 |
| Auto-Owners | Data not available | B | 711 | 0.93 |
| Average | 656 (out of 1,000) | C+ | 700 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share; the lower the score, the better |
*Due to its eligibility restrictions, USAA doesn’t technically qualify for the J.D. Power surveys.
Cheapest Full Coverage Car Insurance in Virginia Beach
State Farm has the cheapest full coverage auto insurance in Virginia Beach, with an average annual rate of $1,093 ($91 per month) — 37 percent lower than the citywide average. After State Farm, Virginia Farm Bureau and Auto-Owners have the next-cheapest rates, with average annual premiums of $1,132 and $1,188, respectively.
| Company | Monthly Virginia Beach average | Annual Virginia Beach average |
|---|---|---|
| State Farm | $91 | $1,093 |
| Virginia Farm Bureau | $94 | $1,132 |
| Auto-Owners | $99 | $1,188 |
| USAA | $107 | $1,282 |
| GEICO | $114 | $1,373 |
| Erie | $119 | $1,426 |
| Nationwide | $130 | $1,560 |
| Chubb | $140 | $1,680 |
| Progressive | $143 | $1,717 |
| Allstate | $176 | $2,109 |
| Virginia Beach average | $144 | $1,728 |
| Virginia average | $147 | $1,766 |
| U.S. average | $200 | $2,399 |
Cheapest Minimum Coverage Car Insurance in Virginia Beach
Auto-Owners offers the lowest average rate for minimum coverage in Virginia Beach, at $535 per year — 42 percent cheaper than the citywide average. Virginia Farm Bureau is nearly tied for the cheapest ($536 per year), and State Farm comes in next ($577 annually).
| Company | Monthly Virginia Beach average | Annual Virginia Beach average |
|---|---|---|
| Auto-Owners | $45 | $535 |
| Virginia Farm Bureau | $45 | $536 |
| State Farm | $48 | $577 |
| USAA | $60 | $715 |
| GEICO | $70 | $843 |
| Nationwide | $72 | $869 |
| Progressive | $81 | $975 |
| Allstate | $82 | $978 |
| Chubb | $89 | $1,068 |
| Erie | $93 | $1,116 |
| Virginia Beach average | $77 | $929 |
| U.S. average | $53 | $635 |
How Many Car Accidents Happen in Virginia Beach?
In 2024, there were a total of 5,272 crashes in Virginia Beach, with 24 of those crashes resulting in fatalities.8 The overall number of crashes in Virginia Beach was up by about 2 percent from the previous year. After Richmond, Virginia Beach saw the highest number of crashes of any city in Virginia in 2024. The intersections on State Route 225, 1-264 and Virginia Beach Boulevard are statistically some of the most dangerous roads in Virginia Beach.9
Minimum Auto Insurance Requirements in Virginia
Virginia is a tort state, meaning the at-fault driver is responsible for covering all expenses in the event of an accident. To legally operate a vehicle in Virginia, you must purchase an auto insurance policy with the following coverage limits, at a minimum:
- Bodily injury liability: $50,000 per person/$100,000 per accident
- Property damage liability: $25,000 per accident10
Personal injury protection (PIP) coverage is not required in Virginia, but you can purchase it as an add-on. Virginia raised its minimum limits in January 2025.
GOOD TO KNOW:
Virginia is an at-fault state (also known as a tort state), which means the at-fault driver is responsible for covering the cost of an accident.
Frequently Asked Questions
USAA has the cheapest average premiums for full and minimum coverage in Virginia, with an average annual cost of $1,037 and $480, respectively. If you don’t qualify for USAA (it’s available only to military members, veterans, and their families), Erie offers the lowest full coverage rate, on average ($1,152 annually). After USAA, Travelers has the lowest average rate for minimum coverage ($520 annually).
The average cost of auto insurance in Virginia Beach is $1,728 for full coverage (2 percent lower than the statewide average) and $929 for minimum coverage (18 percent higher than the statewide average). Depending on the insurer and coverage type, insurance in Virginia Beach can cost anywhere from $535 to $2,109 a year for those with a clean driving record.
There are many ways to lower the cost of your auto insurance. To ensure the lowest rates possible, we recommend that you compare car insurance quotes from at least three providers. You should also shop around for auto insurance discounts. You might also consider increasing your deductible, but remember that the out-of-pocket costs will be higher if you do get into an accident. If you don’t drive often, consider usage-based insurance to keep your monthly premiums low.
In most states, a low credit score can raise your car insurance costs. On average, a less-than-stellar credit rating increases your rate by 80 percent. California, Hawaii, Massachusetts and Michigan do not allow insurance providers to increase rates based on a low credit score.
Methodology
At AutoInsurance.com, we evaluate our best cheap providers with the following key factors in mind:
- Pricing (40%): We analyzed full and minimum coverage premiums in Virginia Beach for drivers with a clean record and good credit. We used the following limits for full coverage:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
- Claims handling (25%): We favor providers with transparent, efficient and prompt claims processes. We also review the quality of communication, the claims evaluation process, and the speed of claim resolution. We use third-party sources, including the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Survey, along with financial strength sources like AM Best and S&P.
- Customer experience (25%): We evaluate every stage of the customer journey, from getting a quote to making a claim and managing your policy. We review the quality of online tools and the availability of in-person service, using sources such as J.D. Power’s auto and claims satisfaction surveys, the NAIC Complaint Index, Better Business Bureau ratings, and app store reviews.
- Coverage options (10%): We favor providers that offer additional coverage types beyond the state-required minimums. These include accident forgiveness, rideshare coverage, gap insurance and more.
Read more about our ratings and methodology.
Staff Writer
Kate Romain combines her dedication to research with her love for writing and communications to deliver informative, comprehensive articles for those exploring insurance options. Her years of professional experience in writing and communications have well-equipped her to assist customers get the information they need to make smart insurance choices. Kate has also written for GigWolf, Boston Medical Center, and non-profit Writers Without Margins. She holds a BA in History and Politics and an MA in Creative Writing, both from the University of East Anglia.
Sources
Facts + Statistics: Insurance company rankings. Insurance Information Institute. (2024).
https://www.iii.org/fact-statistic/facts-statistics-insurance-company-rankingsAbout Us. Erie Insurance. (2025).
https://www.erieinsurance.com/about-usVirginia Farm Bureau Membership. Virginia Farm Bureau. (2025).
https://www.vafb.com/membership-at-work/membershipIt’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2025. Crash Network. (2025).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, J.D. Power Finds. J.D. Power. (2025, Oct 28).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2025).
https://content.naic.org/cis_refined_results.htm2024 Virginia Traffic Crash Facts. Department of Motor Vehicles Virginia. (2024).
https://www.dmv.virginia.gov/sites/default/files/documents/VA-traffic-crash-2024.pdfVirginia Crash Map. Virginia Department of Transportation. (2025).
https://vdot.maps.arcgis.com/apps/webappviewer/index.html?id=ef9957cd10964a7286d2f9df5b85e833Insurance Requirements. Virginia Department of Motor Vehicles. (2025).
https://www.dmv.virginia.gov/vehicles/insurance-requirements
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