Insurance Costs in Virginia Beach, VA
Auto insurance in Virginia Beach averages $1,429 per year for full coverage, which is lower than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Virginia Beach, VA: What You Need to Know
Virginia Beach residents pay an average of $1,429 per year for full coverage auto insurance, which is Near the Virginia state average and 14.6% below the national average.
With a population of 459,470, Virginia Beach is one of the largest cities in Virginia. Insurance rates here are typical for the state.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,429 | $119 |
| Standard Coverage (50/100/50) | $1,172 | $98 |
| State Minimum (30/60/20) | $600 | $50 |
Homeowners Insurance in Virginia Beach, VA
The average cost of homeowners insurance in Virginia Beach is $1,415 per year ($118/month), which is 22.3% below the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Virginia Beach, VA
Renters insurance in Virginia Beach averages $180 per year ($15/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Virginia Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| Chesapeake | $1,373/yr | $1,336/yr |
| Arlington | $1,471/yr | $1,598/yr |
| Norfolk | $1,569/yr | $1,376/yr |
| Richmond | $1,611/yr | $1,244/yr |
| Newport News | $1,513/yr | $1,336/yr |
| Alexandria | $1,513/yr | $1,677/yr |
| Hampton | $1,541/yr | $1,376/yr |
| Roanoke | $1,373/yr | $1,114/yr |
How to Save on Insurance in Virginia Beach
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Virginia Beach can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Virginia Beach, VA?
The average cost of car insurance in Virginia Beach, VA is $1,429 per year for full coverage, or about $119 per month. Minimum coverage costs around $600 per year.
Is car insurance expensive in Virginia Beach?
Car insurance in Virginia Beach is relatively affordable compared to many U.S. cities.
How much is home insurance in Virginia Beach?
Homeowners insurance in Virginia Beach costs an average of $1,415 per year. Your actual cost depends on your home's value, age, construction type, and specific location.