Living in Virginia Beach can be a dream — it’s near the ocean, has relatively moderate weather throughout the year, and also has plenty of local parks. But as with many tourist destinations, locals may struggle for space on the roads during peak seasons. As you’re joined by more drivers each year, reliable car insurance can help protect you from steep out-of-pocket costs in the case of a fender bender or major accident.

It’s wise to compare quotes from multiple insurers to find the right coverage for your driving habits at affordable rates. We’ve gathered quote data from real Jerry customers living in Virginia Beach to show you what rates you could expect, based on your age, driving record and preferred coverage.

Cheapest minimum coverage insurance in Virginia Beach

In Virginia, drivers must carry minimum auto insurance of $30,000 per person, $60,000 per accident for bodily injury, and $30,000 for property damage.

Virginia also requires drivers to carry $25,000 per person and $50,000 per accident for uninsured/underinsured motorist injury (UM/UIM), plus  $20,000 for uninsured motorist property damage.

Here are the cheapest quotes that Jerry customers have received for minimum coverage in Virginia Beach.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Cheapest full coverage insurance in Virginia Beach

One of the biggest weather hazards Virginia Beach residents face is flooding, but minimum coverage doesn’t help with flood-related damage to your car. For that level of protection, you’ll need full coverage.

Virginia Beach drivers can buy both comprehensive and collision coverage (collectively known as full coverage) to protect themselves against the repair costs after a weather event or accident, regardless of who is at fault.

Cheapest car insurance for young drivers in Virginia Beach (18-29 years old)

Young drivers tend to pay higher car insurance premiums than older drivers, but that doesn’t mean they can’t find affordable rates. Here are the cheapest quotes that young Jerry customers have received.

Cheapest car insurance for mature drivers in Virginia Beach (30-54 years old)

Cheapest car insurance for older drivers (55+ years old)

Cheapest car insurance for drivers with clean records in Virginia Beach

Cheapest car insurance for drivers with low credit scores in Virginia Beach

Those with credit scores below 550 may pay higher car insurance rates than those with high scores. Here are quotes real Jerry customers with low credit scores received in Virginia Beach.

Cheapest car insurance for drivers with at-fault accidents in Virginia Beach

Cheapest car insurance for drivers with speeding tickets in Virginia Beach

Cheapest car insurance for drivers with DUIs in Virginia Beach

Here are some of the cheapest quotes drivers in Virginia Beach with a DUI on their record received via Jerry.

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS

Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

Annie Millerbernd

Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.