Car Insurance in Virginia Beach
Compare, shop and customize quotes from top-rated insurance carriers.
Reasons To Have Car Insurance in Virginia Beach
Virginia Beach has a long history as a resort town. However, it is now home to more than 450,000 people. The average commute time for a Virginia Beach resident is 23.5 minutes. meaning each worker spends close to an hour driving to and from work each day. Drivers who choose to make the trip in their car instead of using one of Hampton Roads Transit's bus routes should have the right car insurance in Virginia Beach to protect against losses that might occur during those trips.
Virginia state law requires all motorists to maintain a minimum amount of coverage of $30,000/$60,000 liability and $20,000 in property damage coverage. Traffic information provides several thousand additional reasons. In 2022, Virginia Beach roadways saw 5,317 crashes. leading to 29 fatalities and 2,647 injuries.
Additionally, the cost of repairs continues to increase. According to the National Safety Council. the average property damage cost per accident in 2021 was $5,700. Without insurance, you could be responsible for the entire repair bill.
Choosing Coverage for Your Lifestyle
The coverage you need varies depending on several factors.Let the experienced brokers at VIU by HUB help you find the right coverage for your personal situation. We will work with you to define your needs and establish a budget. Then, by comparing quotes from multiple companies, you can choose the policy that best fits your needs.
We can help you choose insurance benefits for your lifestyle, including:
- Coverage for classic cars and motorcycles
- Additional underinsured motorist coverage
- Glass replacement or repairs
- Losses from theft or vandalism
Cost of Car Insurance Virginia Beach, VA
The average annual cost of car insurance in Virginia Beach is $1,315, which is slightly higher than the statewide average. Individual drivers will pay different amounts based on personal factors. At VIU by HUB, we provide multiple quotes for each request so you can choose a policy that offers the coverage you want at a price you can afford.
Factors that affect how much you pay for car insurance in Virginia Beach include:
- Coverage Amounts: You can customize an auto policy to meet your coverage needs. Generally, higher limits and lower deductibles cost more when all other factors are similar.
- Age of driver: Generally, younger drivers will pay more for coverage than older ones. However, factors such as multiple accidents can negate the difference.
- Driving record: Since drivers with no tickets or accidents typically pay less than people with them, maintaining a clean driving record can help you save significantly on car insurance in Virginia Beach.
- Commute distance: Commute times in Virginia Beach are slightly lower than the national average, so you may be able to save if you have a short commute or only use your vehicle for recreational purposes.
- Type of vehicle: Insurers use car value and the likelihood of it causing damage to others to calculate rates. Therefore, the type of car or truck you drive and its age will play a major role in determining the amount you pay.
Our brokers work with you to identify cost-saving options. For example, we won't push you into buying coverage you don't need. Additionally, we regularly check for discounts you qualify for and apply them to quotes for extra savings.
The Coverage You Need in Virginia Beach
Use VIU by HUB to shop multiple companies and find the right car insurance in Virginia Beach.
Sources
Virginia Department of Motor Vehicles
Virginia Department of Motor Vehicles