Compare average insurance rates in Virginia Beach for 2026
🏠
Home
$1683
/year
🚗
Auto
$1581
/year
🏥
Health
$512
/month
💰
Life
$23
/month
🏢
Renters
$16
/month
Home Insurance in Virginia Beach, VA
The average cost of homeowners insurance in Virginia Beach, Virginia is $1,683 per year in 2026. This compares to the state average of $1,650 per year.
$1,683per year (avg in Virginia Beach)
$1071VA avg: $1,650$2448
Factors Affecting Home Insurance in Virginia Beach
🏠
Home Value Average: $370,000
🌪
Weather Risk medium
🌊
Flood Zone 9% of properties
📈
Cost Index 1.02 (100 = national avg)
⚠️
Hurricane Zone: Virginia Beach is located in a hurricane-prone area. Home insurance premiums may include wind and storm surcharges. Coastal surcharges may apply to properties near the shoreline.
Home Insurance Coverage Comparison
Coverage Tier
Dwelling Coverage
Personal Property
Liability
Est. Annual Cost
Basic (HO-1)
$296,000
$148,000
$100,000
$1,262
Standard (HO-3)
$370,000
$185,000
$300,000
$1,683
Premium (HO-5)
$462,500
$277,500
$500,000
$2,272
Auto Insurance in Virginia Beach, VA
The average annual cost of auto insurance in Virginia Beach is $1,581, compared to the Virginia state average of $1,550.
$1,581per year (avg in Virginia Beach)
$969VA avg: $1,550$2295
📋
Minimum Coverage in Virginia: 30/60/20
Auto Insurance Coverage Comparison
Coverage Level
Liability
Collision
Comprehensive
Est. Annual Cost
Liability Only
State Minimum
None
None
$869
Full Coverage
100/300/100
$500 deductible
$500 deductible
$1,581
Premium
250/500/250
$250 deductible
$250 deductible
$2,055
Health Insurance in Virginia Beach, VA
The average monthly health insurance premium in Virginia Beach is $512 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$512per month (avg individual plan)
Health Insurance Plan Tiers
Plan Tier
Avg Monthly Premium
Typical Deductible
Out-of-Pocket Max
Best For
Bronze
$368
$7,000
$9,100
Healthy, low usage
Silver
$512
$4,500
$9,100
Moderate usage
Gold
$640
$1,650
$8,700
Regular medical needs
Platinum
$768
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in Virginia Beach
💰 Life Insurance
$23
per month (20-year term, $500K)
Life insurance rates in Virginia are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $23/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
$16
per month (avg in Virginia Beach)
Renters insurance in Virginia Beach covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for Virginia Beach
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in Virginia Beach, VA is $1,683 per year for a standard HO-3 policy. Rates range from $1,071 to $2,448 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in Virginia Beach is $1,581 per year for full coverage. Liability-only coverage averages around $711 per year. Virginia requires minimum coverage of 30/60/20.
Insurance costs in Virginia Beach are close to the national average (cost index: 1.02). Home insurance averages $1,683/yr and auto insurance $1,581/yr. Relatively moderate costs reflect the area's manageable risk profile.
Key factors include: local cost of living (index: 1.02), hurricane exposure, average home values ($370,000), your personal claims history, credit score, and at-fault insurance laws in Virginia.
Top strategies: bundle home and auto (save 10-25%), raise deductibles, maintain good credit, compare quotes from 3+ insurers annually, and ask about available discounts. Virginia Beach residents can potentially save $653+ per year.
Virginia requires minimum auto liability coverage of 30/60/20 (bodily injury per person / per accident / property damage in thousands). This is the legal minimum, but most experts recommend higher limits for adequate protection.
Compare Insurance Quotes in Virginia Beach
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