Virginia Beach combines coastal flood and hurricane exposure with Virginia's newly increased minimum-liability requirements — a lot has changed for local drivers.
What you pay for car insurance in Virginia Beach is shaped far more by local conditions and your own profile than by any single statewide average. Locally, coastal flood and hurricane exposure and virginia raised its minimum liability to 50/100/25 effective 1/1/2025, and now requires uninsured/underinsured motorist coverage are among the biggest influences on premiums here. Because no authority publishes reliable Virginia Beach-specific average prices, this guide sticks to what's genuinely local and verifiable — the factors particular to Virginia Beach, Virginia's coverage requirements, and how to shop for a lower rate — rather than a made-up number. For state-level rate context, see our Virginia auto insurance page.
Bodily injury / person
$50,000
Bodily injury / accident
$100,000
Property damage
$25,000
Virginia is an at-fault (tort) state. Minimums raised to 50/100/25 effective 1/1/2025; UM/UIM now required at those limits. The old $500 uninsured-motorist fee was eliminated — insurance is mandatory for all drivers.
Source: state minimum liability requirements per Virginia statute. These are legal minimums, not a recommendation — many Virginia Beach drivers carry higher limits.
Because rates in Virginia Beach vary block to block, the reliable way to find your best price is to compare several insurers for your exact address and profile. Beyond shopping, the biggest levers — several of them specific to Virginia Beach's local risks — are within your control:
As of policies effective January 1, 2025, Virginia's minimum liability is 50/100/25 — $50,000 per person and $100,000 per accident for bodily injury, and $25,000 for property damage — with uninsured/underinsured motorist coverage required at the same limits. Virginia also eliminated the old option to pay a $500 fee instead of insuring, so coverage is now mandatory for all Virginia Beach drivers.
Virginia Beach follows Virginia's statewide requirements. The minimum liability limits are $50,000 per person and $100,000 per accident for bodily injury, and $25,000 for property damage. Minimums raised to 50/100/25 effective 1/1/2025; UM/UIM now required at those limits. The old $500 uninsured-motorist fee was eliminated — insurance is mandatory for all drivers. These are legal minimums — many Virginia Beach drivers carry higher limits given local risks like coastal flood and hurricane exposure.
Sarah Mitchell
Editorial Lead, Property & Casualty
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed June 2026
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