Car Insurance Quotes Virginia Beach

Car Insurance Quotes Virginia Beach

Cruising along the scenic Oceanfront or commuting on I-264 requires the right car insurance to keep you and your vehicle protected. Finding affordable coverage in Virginia Beach does not have to be complicated. By comparing quotes from top insurers, you can secure the best policy at the right price.

Virginia law mandates minimum liability coverage, but many drivers opt for additional protection like comprehensive and collision insurance for added peace of mind. Insurance rates depend on factors such as driving history, vehicle type, and coverage levels. Shopping around can help you find the most competitive rates.

With providers like USAA, Nationwide, and State Farm offering coverage in Virginia Beach, there are plenty of options. Discounts for safe driving, bundling policies, or military service can also lower costs. Getting a free quote is the first step toward finding affordable and reliable car insurance. Go through your options today to ensure you’re fully covered at a price that fits your budget.

Is Virginia a No-Fault State?

No, Virginia follows a fault-based insurance system. This means the driver responsible for an accident is also responsible for paying for the damages.

However, not all drivers have insurance, or enough of it. That’s why Virginia drivers may want to consider Medical Payments Coverage (MedPay). This optional coverage helps pay for medical expenses if you’re in an accident with an uninsured or underinsured driver. Even though it’s not required, having MedPay can give you extra peace of mind on the road.

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What Car Insurance Do You Need in Virginia?

In Virginia, driving without insurance is illegal. To stay on the road legally, you must have car insurance that includes coverage for:

Bodily injury liability – Covers injuries to others if you cause an accident.
Property damage liability – Pays for damage to someone else’s vehicle or property.

The state’s minimum required coverage limits are:

$30,000 for injuries per person
$60,000 for injuries per accident
$20,000 for property damage

Virginia also requires uninsured/underinsured motorist coverage with the same limits as liability coverage. This protects you if you are in an accident with a driver who does not have insurance or doesn’t have enough to cover the damages.

Optional Virginia Beach Car Insurance Coverage

Liability insurance covers damages to others, but optional coverages provide extra protection for you and your vehicle. Here are key options to consider:

Collision Coverage – Pays for repairs or replacement if your car is damaged in an accident, regardless of fault.
Comprehensive Coverage – Covers theft, vandalism, fire, natural disasters, and animal collisions.
Uninsured/Underinsured Motorist Coverage – Protects you if the at-fault driver has no or insufficient insurance.
Medical Payments (MedPay) – Helps cover medical expenses for you and passengers, regardless of fault.
Personal Injury Protection (PIP) – Covers medical costs, lost wages, rehab, and funeral expenses.

Virginia’s Liability Insurance Requirements

By law, all Virginia drivers must carry liability insurance. This type of coverage doesn’t protect your car—it covers the costs of injuries or damage you cause to others. The required minimums are:

$30,000 for bodily injury per person
$60,000 for bodily injury per accident
$20,000 for property damage

You may see this written as 30/60/20. While these are the legal minimums, many drivers choose higher limits for better financial protection.

Full Coverage in Virginia

Full coverage is not a legal requirement, but many drivers choose it for extra protection. In Virginia, full coverage generally means:

Liability insurance (the state minimum requirements)
Comprehensive coverage – Helps cover non-collision damage, like theft, fire, or weather-related incidents.
Collision coverage – Pays for repairs if your car is damaged in an accident, regardless of fault.

If you lease or finance your car, your lender will likely require both comprehensive and collision coverage.

Cheapest Car Insurance Companies in Virginia Beach, VA

If you are looking for affordable car insurance in Virginia Beach, several companies offer competitive rates. Based on average six-month premiums, here are some of the most budget-friendly options:

USAA – $515 (available to military members and their families)
Nationwide – $564
Virginia Farm Bureau – $579
Auto-Owners – $582
State Farm – $623
GEICO – $624
Progressive – $820
Allstate – $1,056

USAA typically offers the lowest rates, but eligibility is limited to military members. Nationwide, Virginia Farm Bureau, and Auto-Owners also provide competitive pricing for a broader range of drivers. Comparing quotes from multiple providers can help you find the best deal for your needs.

READ: Car Insurance Quotes Virginia

How to Get a Car Insurance Quote In Virginia Beach| Car Insurance Quotes Virginia Beach

Getting a quote is simple, and you can choose from several methods:

Online Tools:

Many insurers offer easy-to-use online tools that give you a quick estimate. Some websites even compare multiple providers at once, making it simple to find the best deal in minutes.

Phone Calls:

If you prefer speaking to someone, you can call an agent and provide details about your car and driving history. They will give you an estimate based on your information.

In-Person:

Visiting an agent’s office can give you a more personalized experience. You can ask questions, get guidance, and have a one-on-one conversation to choose the right coverage.

Tips for Getting the Best Car Insurance Quotes

Compare at least three quotes – Rates can vary a lot between companies, so shop around.
Choose the right coverage – While minimum coverage is cheaper, it might not be enough in an accident.
Ask about discounts – Safe driving, bundling home and auto, and military discounts can help lower your rate.
Look at both big and small insurers – Big names like GEICO, State Farm, and Allstate are popular, but local insurance providers might offer better deals.

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