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Virginia Beach, VA
Dragon Insurance is an independent agency licensed in Virginia, serving Virginia Beach, Norfolk, Chesapeake, and the greater Hampton Roads metro. We compare 30+ carriers including Progressive, Safeco, and Liberty Mutual to find the lowest rate for your driving record, vehicle, and ZIP code. Most Virginia Beach-area drivers get a quote in under 1 hour, entirely by phone or online.
Independent agency. Licensed in Virginia. 30+ carriers compared. 60+ five-star reviews.
Most Virginia Beach-area drivers, whether in the city itself, Norfolk, or Chesapeake, buy car insurance from whoever they used last year, or whoever their parents used, without ever finding out whether a better rate exists for their exact profile.
Dragon Insurance is an independent agency, which means we work for you, not for any single carrier. When you call us, we quote your driver profile across 30+ carriers in one conversation and show you which one wins for your situation. Captive agents who represent a single company can only quote that one rate. We compare all of them.
We are licensed in Virginia and serve the entire Hampton Roads metro, including Norfolk and Chesapeake, entirely by phone and online, with no office visit required. We answer the phone, we know our clients by name, and we are not a call center.
Want to see how carrier comparison works before you call? Read our guide to comparing auto insurance quotes.
30+ carriers in one call
Progressive, Safeco, Liberty Mutual, The General, and more. We compare all of them for your specific profile.
Virginia's 2025 minimum increase
We know Virginia's at-fault system and the state's new 50/100/25 minimum, raised from 30/60/20 under House Bill 1077 effective January 1, 2025. We make sure your policy is compliant and explain your options clearly.
Built for a military market
Virginia Beach is home to Naval Air Station Oceana and Joint Expeditionary Base Little Creek-Fort Story. Licensed in 7 states, we can keep military families with the same broker across a PCS move.
60+ five-star reviews
Real clients across Virginia Beach, Norfolk, Chesapeake, and the greater Hampton Roads metro who called back after their first renewal.
Virginia is an at-fault state with minimum coverage requirements that increased on January 1, 2025. Here is what the law requires now and what most experienced Virginia Beach-area drivers actually buy.
| Coverage | VA Minimum (Since 1/1/2025) | Recommended |
|---|---|---|
| Bodily Injury Liability | $50,000 / $100,000 | $100,000 / $300,000 |
| Property Damage Liability | $25,000 | $100,000 |
| Uninsured / Underinsured Motorist | Required, same limits as liability | Match liability limits |
| Personal Injury Protection (PIP) | Not required | Optional add-on |
| Collision | Not required | Required if financed |
| Proof of Insurance | Verified electronically by DMV | Maintain continuous coverage |
Virginia raised its minimum liability limits from 30/60/20 to 50/100/25 on January 1, 2025 under House Bill 1077. State minimums are the legal floor, not a coverage recommendation. If your policy predates January 2025, confirm it reflects the updated limits. Call us to discuss the right limits for your situation.
Dragon Insurance serves Virginia Beach and the surrounding Hampton Roads communities, including Norfolk, Chesapeake, and Suffolk.
Virginia Beach
23451
Norfolk
23510
Chesapeake
23320
Suffolk
23434
Hampton
23666
Newport News
23601
Portsmouth
23704
Williamsburg
23185
See our Virginia Beach, VA location page for the full range of coverage we offer, or explore requirements across the state on our Virginia insurance page.
Questions Virginia Beach-area drivers ask us most often.
As of January 1, 2025, Virginia requires minimum liability coverage of 50/100/25: $50,000 bodily injury per person, $100,000 bodily injury per accident, and $25,000 property damage liability. These minimums were raised from 30/60/20 under House Bill 1077, effective January 1, 2025 (Code of Virginia Section 38.2-2204). Virginia is an at-fault state, meaning the driver who causes an accident is responsible for the other party's damages through their liability coverage.
Yes. Virginia raised its minimum liability limits on January 1, 2025, from 30/60/20 to 50/100/25 under House Bill 1077. If you bought your policy before that date, it should have been updated to the new minimums at your next renewal. Virginia Beach and Hampton Roads drivers who have not renewed since early 2025 should confirm their policy reflects the current 50/100/25 requirement. We can review your declarations page and confirm you are compliant at no cost.
Car insurance costs in Virginia Beach depend on your ZIP code, driving record, vehicle, and coverage limits, and rates can shift with Virginia's 2025 increase in minimum required limits. As an independent broker, we compare 30+ carriers including Progressive, Safeco, and Liberty Mutual to find Virginia Beach, Norfolk, and Chesapeake drivers the most competitive rate for their specific profile.
Virginia is an at-fault state. The driver who causes an accident is responsible for the other party's property damage and medical expenses through their liability coverage. Virginia does not require Personal Injury Protection (PIP). Uninsured motorist coverage is required on every Virginia auto policy at the same limits as your liability coverage (Code of Virginia Section 38.2-2206).
Often yes. An independent agent compares multiple carriers for your specific driver profile rather than quoting only one company. Dragon Insurance compares 30+ carriers in one call, including Progressive, Safeco, Liberty Mutual, and The General. For Virginia Beach, Norfolk, and Chesapeake drivers who have not shopped their policy since Virginia's 2025 minimum increase, running that comparison is usually where the biggest difference shows up.
Yes. Non-standard carriers like The General specialize in coverage for Hampton Roads drivers with a DUI history, multiple violations, or a prior coverage lapse. We also handle SR-22 filings for Virginia license reinstatement. Rates will be higher than a clean-record policy, but coverage is available, and comparing carriers still makes a meaningful difference.
Yes. Virginia requires every registered vehicle to carry liability insurance meeting the state minimum, and the DMV verifies coverage electronically through insurers. Driving without insurance or letting your policy lapse can result in registration suspension, fines, and reinstatement fees. Maintaining continuous coverage avoids these penalties entirely.
Yes. Virginia Beach is home to Naval Air Station Oceana and Joint Expeditionary Base Little Creek-Fort Story, and we work with service members and their families relocating in and out of Hampton Roads every year. Because we are licensed in Virginia along with Pennsylvania, Texas, Maryland, Ohio, Tennessee, and Kentucky, many military families can keep the same broker across a PCS move instead of starting over with a new agent at each duty station. Call us before your move to line up coverage for your new address.
Dragon Insurance can typically have a quote ready and coverage bound the same day for most standard passenger vehicles in Virginia Beach, Norfolk, Chesapeake, and the surrounding Hampton Roads metro. Call 717-229-5115 and have your driver's license, vehicle VIN, and current insurance information ready. For non-standard risks, turnaround is usually 1 business day.
The cheapest car insurance for Virginia Beach-area drivers depends on your specific profile, not a single company. Across our panel, Progressive and Safeco are consistently competitive for clean-record drivers, while The General often wins on price for drivers with violations. Because rates vary by exact ZIP code, vehicle, age, and driving record, comparing all of them is the only way to find your lowest rate. Dragon Insurance compares 30+ carriers in one call and shows you the lowest qualifying option.
Yes. Dragon Insurance is licensed in Virginia and serves the entire Hampton Roads region, including Norfolk, Chesapeake, Suffolk, Hampton, Newport News, Portsmouth, and Williamsburg. We handle every quote by phone or online, comparing 30+ carriers to find the right coverage for your ZIP code. Call 717-229-5115 or request a quote online to get started.
Virginia Beach, VA
Dragon Insurance compares 30+ carriers for drivers across Virginia Beach, Norfolk, Chesapeake, and the greater Hampton Roads metro. Most quotes are ready in under 1 hour, entirely by phone or online.
60+ five-star reviews · 2,500+ clients served · Independent agency, licensed in Virginia
Blog
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