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If you’re a Virginia Beach driver, you probably shop for auto insurance from time to time. If you don’t, you should. Getting a Virginia Beach car insurance quote online, can be an easy way to compare policies and find the right one for you.

Yet, online quotes shouldn’t be your only course of action. You also need to speak to insurance agents, if you want a complete picture of what insurance you may want, versus what you need.

Virginia Beach Auto Insurance Agents

To that end we have included listings and websites of some of the nation’s largest insurers. You can also find a link to the Virgina auto insurance lookup page where you can find a complete list of all licensed insurance agents in the state.

Virginia Beach Allstate Insurance Agents
There are 19 Allstate agents serving Virginia Beach. You can find more about one from their website.

Virginia Beach Farmers Insurance Agents
There are 19 Farmers insurance agents within 7 miles of central Virginia Beach.

Virginia Beach Geico Insurance Agents
Geico has no agents serving Virginia Beach.

Virginia Beach Progressive Insurance Agents
There are currently 7 Progressive affiliate agencies and brokers working in Virginia Beach.

Virginia Beach State Farm Insurance Agents
State Farm has 30 agents serving Virginia Beach.

Virginia insurance agent lookup

Your insurance agency not listed? If you own an insurance agency that operates in Virginia Beach and would like to be included in our listings above please use our contact form. At the current time we do not accept individual agent listings except as part of our paid featured listing option.

Virginia Beach Car Insurance Rates

The state of Virginia is among the cheaper places you can insure a car in the United States. Better yet, Virginia Beach is among the cheaper places in the state to buy insurance coverage. According to CarInsurance.com, Virginia Beach drivers pay on average $1,325 per year to insure their cars. This is about $300 less per year than the typical American driver pays.

Driving Information For Virginia Beach

As a Virginia Beach driver, there is good and bad news with regards to the city’s driving conditions. The good news is that fatal accidents have been falling in recent years, according to the National Highway Traffic Safety Administration. In 2010, there were 19 people killed in Virginia Beach City down from 31 in 2008.

Nevertheless, on a few other indicators the city does not do so well. According to the Allstate America’s Best Drivers Reportâ„¢, you can expect to get in an accident once every 9 years, or about 11% more often than a typical urban driver. The Hampton Roads Metropolitan Area is also the 30th most congested in the US.

The Hampton Roads Beltway (I-64) is of particular concern with sever delays during the evening rush hour. Thus, even though fatal accidents are falling, it is still a good idea to check out a traffic report before going anywhere.

The Virginia Auto Insurance Laws You Need To Know

Virginia’s auto insurance laws differ from the majority of other state’s insurance laws. As a result, it is strongly recommended that you speak with a licensed agent, before purchasing your auto insurance policy. The first thing most people want to know is how much insurance they need to buy. This is very straightforward. According to the current Code Of Virginia you need to have the following amounts and types of coverage.

  • $25,000 bodily injury liability and uninsured/underinsured motorist coverage for each person;
  • $50,000 bodily injury liability and uninsured/underinsured motorist coverage per accident;
  • $20,000 property damage libailty and uninsured/underinsured motorist coverage per accident ($200 deductible applies).

This coverage is also known as 25/50/20 and is fairly typical compared to other states. The real difference is how Virginia treats libailty or fault in an accident. Most states operate under the comparative system of fault, but in Virginia they use contributory negligence to assign fault or blame. This means that if you are determined by law to be responsible for materially contributing to an accident, you will not be able to seek redress from the other party’s insurance, even if they are mostly at fault. This can have a huge impact on how your insurance claim will be processed and is something you should speak to an agent about before buying your policy.

How To Get That Virginia Beach Car Insurance Quote Online

However before you speak with an agent, it is always a good idea to get an idea of which car insurers are willing to offer you affordable rates. The easiest way to do that (especially since you’re here) are to get some Virginia Beach car insurance quotes online. You can easily get a few below from many of the biggest insurance companies. Then once you have an idea who is offering the best coverage, talk to one of their agents to learn more about what you may need. Get started now:

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More Information

Official City of Virginia Beach Web Site

Commonwealth of Virginia Department of Motor Vehicles: Insurance Requirements

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