Car Insurance in Virginia Beach, VA
Virginia Beach at a glance
| City | Virginia Beach |
|---|---|
| County | Virginia Beach City County |
| State | Virginia |
| Population | 448,479 |
What applies in Virginia Beach
Car insurance requirements are set by Virginia, not by individual cities, so the same minimum liability rules apply here as everywhere else in the state. Read the Virginia car insurance overview and the minimum coverage guide for the current limits and the regulator to check with.
Local notes
Virginia is an at-fault state, so a Virginia Beach driver who causes a crash covers the other party's losses through liability insurance. Note a recent change: as of January 2025 Virginia's minimum liability limits rose to 30/60/20 ($30,000 bodily injury per person, $60,000 per accident, $20,000 property damage). Drivers renewing an older policy should confirm their limits meet the current floor.
As a large coastal resort city, Virginia Beach sees heavy seasonal tourist traffic along the oceanfront and Interstate 264, plus year-round military and commuter volume across the Hampton Roads region. Congestion, parking exposure, and local uninsured-motorist rates vary by neighborhood, so insurers price on garaging ZIP rather than one citywide number. The NAIC Virginia average of about $1,114 a year is a statewide estimate, not a quote, and a Virginia Beach address may run higher or lower depending on your ZIP, vehicle, and record.
Confirm your policy meets the 2025 30/60/20 minimum.
Consider higher liability limits for heavy seasonal traffic.
Compare several insurers for the same address.
Verify current requirements with the Virginia State Corporation Commission Bureau of Insurance.
Prices vary by address, vehicle, driving record and insurer, so compare quotes for the exact coverage you want before you buy.
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 QuoteWizard | Comparing several insurers in one request | One short form, shared with insurers and agents that serve your ZIP code. | Compare with QuoteWizard → |
 The Zebra | Side-by-side comparison | Enter driver and vehicle details once and review the returned quotes together. | Compare with The Zebra → |
 Insurify | Getting quotes quickly | Answer a few online questions; quotes come from participating insurers. | Compare with Insurify → |
 SmartFinancial | High-risk drivers and SR-22 filings | Submit your details and get matched with insurers, including ones that file SR-22 forms. | Compare with SmartFinancial → |
 EverQuote | Bundling car and home | Request quotes once and ask for bundled options from participating insurers. | Compare with EverQuote → |
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