Cheapest Auto Insurance in Norfolk, Virginia (2026)
Auto-Owners, State Farm, and USAA offer the cheapest car insurance in Norfolk.
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
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Table of contents
The average auto insurance policy in Norfolk costs $223 per month for full coverage and $138 for liability only. Located in the Hampton Roads region of Virginia at the mouth of Chesapeake Bay, Norfolk is home to around 233,000 people, the world’s largest naval base, and the North American headquarters for NATO.[1]
Because it’s on low-lying coastal land, Norfolk is vulnerable to flooding — particularly during periods of heavy rain, hurricanes, and nor’easters.[2] Norfolk’s risks of floods and other severe weather hazards contribute to its higher car insurance rates. Drivers in Norfolk typically pay more for car insurance than the statewide average of $141 per month.
Here’s what you need to know about comparing quotes and finding the best auto policy in Norfolk for your insurance needs.
Quick Facts
The overall cost of car insurance in Norfolk is $180 per month.
Norfolk drivers pay an average of $2,671 per year for full-coverage insurance.
Minimum car insurance requirements in Virginia have changed and increased in 2024 and 2025.[3]
3 of the cheapest car insurance companies in Norfolk
Car insurance rates depend on various factors, including your motor vehicle record, ZIP code, age, and claims history. Though you may want to choose the cheapest coverage option you find, it’s important to prioritize buying a policy that provides the necessary protection for your specific needs.
Here are three of the best car insurance options for Norfolk drivers.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Auto-Owners | 8.2 | $99 | $61 | Cheap rates |
| State Farm | 9.3 | $101 | $62 | Teen drivers |
| USAA | 9.1 | $136 | $84 | Military members |
Disclaimer: Table data is based on real-time Norfolk quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: Auto-Owners
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $68/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $130/mo |
4.3
Best choice in Norfolk, VABased on 323 verified driver reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best in Norfolk for
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best in Norfolk for
Cheap rates
Senior drivers
Ample discounts
Showing recent national reviews - See all 148 Auto-Owners reviews
Darryl
Verified Review
Insurance Shopping
Reviewed in Missouri on March 22, 2026
Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.
Norberto
Verified Review
Excellent
Reviewed in Florida on March 21, 2026
Definitely not the cheapest insurance you can buy.
Wayne
Verified Review
Cost too much for someone who never had a claim
Reviewed in Florida on March 2, 2026
Never had a claim.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Established in 1916 and headquartered in Michigan, Auto-Owners sells auto, home, life, and business insurance. The company provides coverage to more than 3 million policyholders in 26 states through a distribution network of independent agents. Beyond standard auto coverages, Auto-Owners also offers road-trouble service, additional expense, loan or lease gap, diminished value, and rental auto gap coverage.
Pros
Cheap average rates in Norfolk
At least 13 advertised discounts
Cons
Poor average mobile app ratings
Quotes only available through an independent insurance agent
Best insurer for teen drivers: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $71/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $134/mo |
4.0
Best choice in Norfolk, VABased on 16,576 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Norfolk for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Norfolk for
Customer service
Competitive rates
Discounts for safe drivers
Showing 40 Virginia reviews for Norfolk drivers - See all 7,303 State Farm reviews
James
Verified Review
Average
Reviewed in Virginia on March 20, 2026
Good service but too expensive.
Larry
Verified Review
Not pleased that State Farm is overpriced
Reviewed in Virginia on March 12, 2026
Shop around. State Farm is high but good.
Sandra
Verified Review
So Far Good Experience
Reviewed in Virginia on March 10, 2026
My experience was good. I have a problem using the app.
Holly
Verified Review
Frustrated Customer
Reviewed in Virginia on February 27, 2026
My policy increased consistently, even with no accidents and no tickets. Then when I had an accident, they dropped my coverage.
Richard
Verified Review
When you want to save money
Reviewed in Virginia on February 26, 2026
State Farm is good but has gotten expensive.
Robert
Verified Review
State Farm Ripoff
Reviewed in Virginia on February 19, 2026
They set their policies to get more money from the customer. I have the discounts available on my policy, and they increase their fee every month.
Bernard
Verified Review
My State Farm Agency Settlement of Minor Vehicle Bump
Reviewed in Virginia on February 16, 2026
I had a very minor bump at the local landfill with another vehicle last fall. Whether I was at fault was very questionable. I was never notified by State Farm about any settlement.
Jodi
Verified Review
Too expensive for a 2013 car. More than my health insurance. Actively looking for another cheaper insurance.
Reviewed in Virginia on January 9, 2026
Too expensive for a 2013 car. More than my health insurance. Actively looking for another cheaper insurance.
John
Verified Review
The Good, the Bad, and the Ugly
Reviewed in Virginia on January 5, 2026
I am 74. I actually have an employee of the agency call when I have a premium due. I have a clean driving record. All of my vehicles have liability-only coverage and most have farm tags. It is not cheap. The online process to shop for insurance is daunting. What is real and what is BS? To disclose personal info to a bot or someone that cannot communicate clearly is downright scary. A high premium with State Farm is much safer and affords peace of mind.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
The largest auto insurance company by market share in the U.S., State Farm sells insurance products in 48 states and Washington, D.C., including auto, homeowners, pet, and life insurance. The company offers a few ways for young drivers to save on their auto insurance, including a good student discount and the Steer Clear telematics program.
Pros
Multiple available discounts for young drivers
A++ (Superior) financial strength rating from AM Best, the highest level possible
Cons
Doesn’t offer gap insurance
Accident forgiveness only available to long-time customers
Best insurer for military members: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $94/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $180/mo |
4.9
Best choice in Norfolk, VABased on 3,322 verified driver reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Norfolk for
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Norfolk for
Members of the military community
Outstanding customer service
Competitive rates
Showing 8 Virginia reviews for Norfolk drivers - See all 1,518 USAA reviews
David
Verified Review
Fair to Poor
Reviewed in Virginia on March 13, 2026
It was great until policy renewal, then it went up $110 a month.
Robert
Verified Review
Submitted a vehicle vandalism claim and received superior customer support
Reviewed in Virginia on November 27, 2025
Great insurance company that makes the claims process easy.
Illya
Verified Review
Where does the money go?
Reviewed in Virginia on July 23, 2025
Insurance is much too high but lower than others I've priced. Service is excellent and flexible, and the policy is good for full coverage, just too darn expensive.
Benjamin
Verified Review
No Discounts
Reviewed in Virginia on April 17, 2025
I was told I couldn't get a discount because I didn't drive my car enough.
Sean
Verified Review
Disappointed Once Loyal USAA Customer
Reviewed in Virginia on April 11, 2025
I used to be a huge fan of USAA and saw all their products as nearly infallible. However, in the last few years, my experience with them has soured significantly. The constant increases to my policy cost with very poor justification has become incredibly frustrating. Especially as they've said they intend to charge me a fee unless I opt for paperless statements and automatic payments. This feels like a veiled threat, which I do not appreciate, especially after years of loyalty to them. It's one of the reasons I'm switching. USAA has deeply disappointed me and it will take a lot for me to consider them ever again.
Jd
Verified Review
USAA Declining
Reviewed in Virginia on April 11, 2025
They were outstanding for the first 30 years. However, they have significantly declined in the last 10 years.
Krystina
Verified Review
Leaving After Over 20 Years
Reviewed in Virginia on April 10, 2025
The discount isn't as significant as you might think!
Patrick
Verified Review
No One Better to Serve Military Members for Insurance
Reviewed in Virginia on April 10, 2025
I have no complaints.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Founded in 1922, USAA is the fifth-largest auto insurer by market share in the country. The company provides coverage for active-duty, veterans, and reserve military members, as well as their eligible family members. Beyond standard auto coverage offerings, USAA offers optional roadside assistance and car rental reimbursement coverage.
Pros
SafePilot telematics program offers savings of up to 30% to good drivers
Offers banking and investment products
Cons
Coverage restricted to members of the military community
Gap insurance not available
How to get the cheapest car insurance in Norfolk
You can’t immediately control all the factors that influence car insurance costs, but you can use the following tips to earn cheaper car insurance in Norfolk:
Increase your deductible. Your collision and comprehensive deductible is how much you need to pay out of pocket before your insurer kicks in to cover the rest of the claim. Increasing your deductible typically leads to lower premiums.
Shop around and compare quotes. Insurance rates can vary considerably between insurers due to each company’s underwriting criteria and methods of risk assessment. Requesting quotes from multiple insurers can help you find the best rates and coverage.
Make annual payments. Paying your insurance once a year instead of monthly may qualify you for a “pay-in-full” discount from your insurer. This can be an easy way to save money if you can swing the up-front payment.
Get Cheap Coverage in Norfolk
Liability rates start as low as $68/mo.
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Cheapest liability-only car insurance in Norfolk: Auto-Owners
If you cause a car accident, liability insurance helps cover the other driver’s medical expenses and vehicle repairs. It doesn’t cover any of your expenses from the accident, but it does cover legal fees if the other driver sues you.[4]
Though Virginia requires liability insurance for drivers, the minimum limits may not provide sufficient coverage in the event of an accident. Many drivers increase their liability coverage limits to minimize the risk of out-of-pocket expenses after an accident.
Norfolk drivers pay an average of $138 per month for liability coverage, but here are some of the cheapest options for liability-only car insurance in the city.
The below rates in Norfolk, VA, are estimated rates current as of: Wednesday, April 1 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $68 |
| State Farm | $71 |
| USAA | $94 |
| CSAA | $102 |
| Chubb | $103 |
| Mercury | $107 |
| Erie | $108 |
| Elephant | $112 |
| Nationwide | $123 |
| GEICO | $127 |
| National General | $133 |
| Bristol West | $134 |
| Direct Auto | $144 |
| Progressive | $144 |
| Allstate | $148 |
| GAINSCO | $148 |
| Safeco | $155 |
| Dairyland | $174 |
| Liberty Mutual | $180 |
| Trexis | $182 |
| Root | $184 |
| AssuranceAmerica | $191 |
| The General | $191 |
| Travelers | $197 |
| Trexis One | $207 |
| Clearcover | $212 |
Disclaimer: Table data sourced from real-time Norfolk car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Norfolk may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Norfolk: Auto-Owners
Full-coverage insurance refers to an auto policy that includes comprehensive coverage, collision coverage, and liability insurance. This policy type extends protection to your vehicle following a car accident or non-collision incident.
Unlike liability insurance, full coverage is generally optional. But if you finance or lease a vehicle, the lender will probably require you to carry a full-coverage policy.
Norfolk drivers pay an average of $223 per month for full coverage. Here are some of the cheapest full-coverage auto insurance options in Norfolk.
The below rates in Norfolk, VA, are estimated rates current as of: Wednesday, April 1 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $130 |
| State Farm | $134 |
| Elephant | $173 |
| CSAA | $174 |
| USAA | $180 |
| Progressive | $192 |
| Chubb | $196 |
| Mercury | $204 |
| Erie | $205 |
| GEICO | $220 |
| Safeco | $231 |
| Nationwide | $233 |
| Bristol West | $237 |
| National General | $247 |
| Direct Auto | $258 |
| Liberty Mutual | $258 |
| Allstate | $281 |
| Root | $283 |
| GAINSCO | $322 |
| AssuranceAmerica | $325 |
| Trexis | $353 |
| Travelers | $376 |
| Dairyland | $390 |
| Clearcover | $400 |
| The General | $422 |
| Trexis One | $448 |
Disclaimer: Table data sourced from real-time Norfolk car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Norfolk may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Norfolk, Virginia
Recent Norfolk, Virginia car insurance prices for Chrysler, Honda, Toyota , and more.
*Quotes generated for Insurify users in and around Norfolk, Virginia within the last 10 days. Last updated on April 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Norfolk, Virginia within the last 10 days. Last updated on April 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Virginia
In Virginia, drivers must obtain minimum amounts of bodily injury and property damage liability coverage. The minimum limits for liability coverage will increase for policies that start in 2025. You can see the current and future requirements below.[3]
Coverage Type | 2024 Coverage Limits | 2025 Coverage Limits |
|---|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident | $50,000 per person / $100,000 per accident |
| Property damage liability | $20,000 per accident | $25,000 per accident |
In addition to the state’s minimum coverage, you should consider the following coverage options for more vehicle protection:
Collision coverage
If a collision causes damage to your vehicle, collision insurance helps pay repair or replacement costs. It applies regardless of who caused the accident, or whether you collide with another vehicle or a stationary object like a tree or light pole. Collision also covers rollover accidents and damage from hitting a pothole.
Comprehensive coverage
Comprehensive insurance kicks in to cover your vehicle damage following a non-collision incident, including severe weather, theft, vandalism, fire, cracked windshields, or falling objects.
Gap coverage
If someone steals your car or you total your vehicle, gap insurance pays the difference between your vehicle’s value and the amount you owe on your loan or lease.
Roadside assistance coverage
Roadside assistance coverage provides various services to drivers who get stranded on the road. Common services include tows, fuel delivery, jump-starts, and flat-tire assistance.
Accident forgiveness
If you buy accident forgiveness coverage before getting into an accident, your insurer won't increase your rates when it's time to renew your policy. Insurify data shows that an at-fault accident can increase car insurance rates by 26% or more.
Virginia Automobile Insurance Plan
The Virginia Automobile Insurance Plan (VAIP) helps provide car insurance to high-risk drivers who have struggled to buy coverage on the regular car insurance market.
Eligibility for VAIP requires a valid Virginia driver’s license and a vehicle registered in the state. These plans tend to cost more than private insurance plans, so drivers typically turn here as a last option.
Cheapest car insurance for drivers with an incident
Having driving incidents on your record — such as at-fault accidents, speeding tickets, and driving under the influence (DUI) charges — can increase your car insurance costs. Drivers in Norfolk with an incident on their record pay $212 per month, on average.
Incidents on your record can signal to an insurer that you pose a greater risk to insure, so they may adjust your premium accordingly. The severity and frequency of your incidents can also affect your premium for several years.
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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
Exceeding the speed limit in Virginia may result in a fine of $6 per mile over the speed limit or more, depending on the circumstances around the speeding. For example, exceeding the speed limit in a school crossing zone costs $7 per mile over the speed limit.[5]
On average, Norfolk drivers with a speeding ticket pay $224 per month. Here are some of the cheapest monthly quotes for drivers with a speeding ticket in Norfolk.
The below rates in Norfolk, VA, are estimated rates current as of: Wednesday, April 1 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Auto-Owners | $68 | $88 |
| State Farm | $71 | $90 |
| USAA | $94 | $121 |
| CSAA | $102 | $130 |
| Chubb | $103 | $131 |
| Mercury | $107 | $149 |
| Erie | $108 | $142 |
| Elephant | $112 | $134 |
| Nationwide | $123 | $159 |
| GEICO | $127 | $165 |
| National General | $133 | $165 |
| Bristol West | $134 | $168 |
| Direct Auto | $144 | $179 |
| Progressive | $144 | $179 |
| Allstate | $148 | $192 |
| GAINSCO | $148 | $176 |
| Safeco | $155 | $203 |
| Dairyland | $174 | $217 |
| Liberty Mutual | $180 | $228 |
| Trexis | $182 | $226 |
| Root | $184 | $244 |
| AssuranceAmerica | $191 | $242 |
| The General | $191 | $254 |
| Travelers | $197 | $255 |
| Trexis One | $207 | $257 |
| Clearcover | $212 | $273 |
Disclaimer: Table data sourced from real-time Norfolk car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Norfolk may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
In Virginia, insurers can increase your premium for three to five years if you cause a car accident — even if you’re only partially at fault. Rate increases after an at-fault accident can vary depending on your insurer and the severity of the incident. You should compare quotes from multiple companies to find the best price.
Drivers in Norfolk with an at-fault accident pay $233 per month for car insurance, on average. Here are some of the lowest average quotes for drivers in this category.
The below rates in Norfolk, VA, are estimated rates current as of: Wednesday, April 1 at 12:00 PM PDT.
Insurance Company | With Clean Record | With Accident |
|---|---|---|
| Auto-Owners | $68 | $89 |
| State Farm | $71 | $93 |
| USAA | $94 | $125 |
| CSAA | $102 | $149 |
| Chubb | $103 | $135 |
| Mercury | $107 | $160 |
| Erie | $108 | $142 |
| Elephant | $112 | $145 |
| Nationwide | $123 | $164 |
| GEICO | $127 | $163 |
| National General | $133 | $175 |
| Bristol West | $134 | $174 |
| Direct Auto | $144 | $194 |
| Progressive | $144 | $186 |
| Allstate | $148 | $196 |
| GAINSCO | $148 | $187 |
| Safeco | $155 | $215 |
| Dairyland | $174 | $228 |
| Liberty Mutual | $180 | $237 |
| Trexis | $182 | $235 |
| Root | $184 | $243 |
| AssuranceAmerica | $191 | $251 |
| The General | $191 | $260 |
| Travelers | $197 | $262 |
| Trexis One | $207 | $268 |
| Clearcover | $212 | $306 |
Disclaimer: Table data sourced from real-time Norfolk car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Norfolk may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
In 2021, 6,749 alcohol-related car accidents in Virginia resulted in 4,224 injuries and 247 fatalities.[6] Penalties for a first DUI in Virginia include a one-year license revocation and a fine of at least $250. Additional offenses have harsher penalties.[7]
Due to the severity of the offense, insurers may choose not to renew coverage for someone with a DUI, or they charge much higher rates. They may even cancel your policy mid-term, based on the severity of the DUI. On average, Norfolk drivers with a past DUI pay $227 per month.
Here are some of the cheapest monthly quotes for drivers with a DUI in the city.
The below rates in Norfolk, VA, are estimated rates current as of: Wednesday, April 1 at 12:00 PM PDT.
Insurance Company | With Clean Record | With DUI |
|---|---|---|
| Auto-Owners | $68 | $94 |
| State Farm | $71 | $98 |
| USAA | $94 | $129 |
| CSAA | $102 | $140 |
| Chubb | $103 | $142 |
| Mercury | $107 | $153 |
| Erie | $108 | $148 |
| Elephant | $112 | $154 |
| Nationwide | $123 | $169 |
| GEICO | $127 | $172 |
| National General | $133 | $183 |
| Bristol West | $134 | $184 |
| Direct Auto | $144 | $198 |
| Progressive | $144 | $182 |
| Allstate | $148 | $204 |
| GAINSCO | $148 | $204 |
| Safeco | $155 | $227 |
| Dairyland | $174 | $239 |
| Liberty Mutual | $180 | $248 |
| Trexis | $182 | $230 |
| Root | $184 | $254 |
| AssuranceAmerica | $191 | $263 |
| The General | $191 | $263 |
| Travelers | $197 | $271 |
| Trexis One | $207 | $262 |
| Clearcover | $212 | $292 |
Disclaimer: Table data sourced from real-time Norfolk car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Norfolk may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
Age is a major factor insurers look at when determining car insurance rates. Drivers between the ages of 25 and 70 tend to benefit from decreasing rates due to years of experience behind the wheel. Insurers may offer a discount to drivers older than 55 if they successfully complete a defensive driving course approved by the DMV. Ask your insurance agent for more information.
Drivers older than 70 might start to face slightly increased rates due to an increased risk of accidents. On average, senior drivers in Norfolk pay $154 per month for car insurance.
Here are some of the cheapest auto insurance quotes for senior drivers in Norfolk.
The below rates in Norfolk, VA, are estimated rates current as of: Wednesday, April 1 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| Auto-Owners | $102 | $54 |
| State Farm | $105 | $56 |
| CSAA | $140 | $82 |
| Elephant | $142 | $92 |
| USAA | $145 | $76 |
| Chubb | $148 | $78 |
| Erie | $156 | $82 |
| Mercury | $162 | $85 |
| Progressive | $165 | $124 |
| GEICO | $174 | $101 |
| Nationwide | $178 | $94 |
| National General | $194 | $104 |
| Bristol West | $197 | $111 |
| Safeco | $201 | $135 |
| Direct Auto | $207 | $116 |
| Liberty Mutual | $215 | $150 |
| Allstate | $227 | $120 |
| Root | $236 | $153 |
| AssuranceAmerica | $253 | $149 |
| GAINSCO | $273 | $125 |
| Travelers | $299 | $157 |
| Trexis | $303 | $156 |
| Dairyland | $329 | $147 |
| Clearcover | $351 | $186 |
| The General | $354 | $160 |
| Trexis One | $384 | $178 |
Disclaimer: Table data sourced from real-time Norfolk car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Norfolk may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
Teen drivers have the highest crash risk of any age group, according to the Centers for Disease Control and Prevention (CDC).[8] This, along with a lack of driving experience, contributes to insurers charging higher car insurance rates. Insurance companies can’t deny teens coverage solely based on their age, but they can charge higher premiums.
Norfolk teenagers pay $363 per month for car insurance, on average. Your teen can earn cheaper insurance in Norfolk by maintaining good grades to qualify for a good student discount, joining your existing auto insurance plan, and avoiding driving at night. Legally, teens younger than 18 can’t buy their own car insurance policy unless they have written consent from a parent or guardian.
Here are some of the cheapest monthly quotes for Norfolk teens covered under their own policies.
The below rates in Norfolk, VA, are estimated rates current as of: Wednesday, April 1 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $274 | $145 |
| Auto-Owners | $275 | $144 |
| CSAA | $308 | $181 |
| Elephant | $323 | $209 |
| USAA | $352 | $184 |
| Progressive | $387 | $291 |
| Erie | $397 | $209 |
| Mercury | $399 | $209 |
| GEICO | $416 | $240 |
| Chubb | $426 | $224 |
| Bristol West | $447 | $253 |
| Nationwide | $479 | $253 |
| Liberty Mutual | $481 | $336 |
| Safeco | $489 | $328 |
| Root | $517 | $336 |
| Direct Auto | $523 | $292 |
| National General | $526 | $283 |
| Allstate | $585 | $308 |
| GAINSCO | $620 | $285 |
| Clearcover | $700 | $371 |
| AssuranceAmerica | $708 | $416 |
| Dairyland | $708 | $316 |
| Trexis | $712 | $367 |
| The General | $782 | $354 |
| Travelers | $820 | $430 |
| Trexis One | $904 | $418 |
Disclaimer: Table data sourced from real-time Norfolk car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Norfolk may vary based on the policy buyer's unique driver profile.
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Norfolk car insurance quotes by credit tier
The state of Virginia allows insurers to consider your credit history when setting auto insurance rates. Generally, people with good credit scores pay less for car insurance, while drivers with bad credit scores pay more.[9]
Here are the average full-coverage rates for Norfolk drivers by credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Norfolk?
The average cost of full-coverage car insurance in Norfolk is $223 per month, which is similar to the national monthly average of $172 and higher than Virginia’s average of $173 per month.
Factors that may contribute to the rate differences in Virginia cities include accident rates, traffic density, severe weather risks, and repair costs. For example, drivers in Norfolk may face higher average rates than other drivers in Virginia due to flood risks in the low-lying coastal area.
More cities in Virginia
Car insurance premiums are higher in Norfolk than in many other Virginia cities, including Arlington, Alexandria, and Virginia Beach. Drivers in Richmond, the state capital, pay higher rates than Norfolk residents on average.
Here’s how other cities in Virginia compare to Norfolk in terms of average car insurance rates.
City | Full Coverage | Liability Only |
|---|---|---|
| Alexandria | $214 | $132 |
| Arlington | $175 | $116 |
| Charlottesville | $157 | $91 |
| Chesapeake | $181 | $124 |
| Lynchburg | $160 | $98 |
| Richmond | $212 | $142 |
| Roanoke | $159 | $93 |
| Virginia Beach | $184 | $120 |
| Woodbridge | $218 | $133 |
Disclaimer: Table data is based on real-time Norfolk quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Norfolk car insurance FAQs
Before you start shopping around for car insurance quotes, you should decide how much coverage you need. The following information should help you navigate the process of finding cheap car insurance in Norfolk.
How much is car insurance in Norfolk?
The overall cost of car insurance in Norfolk is $180 per month. On average, drivers pay $138 per month for liability coverage and $223 for full-coverage insurance. Your specific premium depends on your driving record, age, chosen coverage, and more.
What are the best car insurance companies in Norfolk?
With an Insurify Quality (IQ) Score of 9.3 out of 10, an A++ (Superior) financial strength rating from AM Best, and solid customer and claims satisfaction ratings from J.D. Power, State Farm is the best car insurance company in Norfolk. Other top insurers include Auto-Owners and USAA.
What are the cheapest car insurance companies in Norfolk?
Auto-Owners, State Farm, and USAA are the cheapest liability insurance companies in Norfolk, with rates starting at $68, $71, and $94 per month, respectively.
How much is car insurance in Virginia per month?
In Virginia, drivers pay $108 per month for liability coverage and $173 for full-coverage insurance. The overall cost of insurance in the state is $141. Drivers in Norfolk pay more on average per month than the statewide average for car insurance.
Is it illegal not to have car insurance in Virginia?
Yes. Starting July 1, 2024, Virginia will require drivers to carry minimum liability insurance. This is an update to the former requirements, which allowed drivers to choose between liability insurance or paying a $500 uninsured motorist fee.
What is the minimum car insurance in Virginia?
The minimum amount of car insurance required in Virginia includes $50,000 per person and $100,000 per accident in bodily injury liability and $25,000 per person in property damage liability.
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- U.S. Census Bureau. "QuickFacts: Norfolk city, Virginia."
- The City of Norfolk. "Flooding Awareness & Mitigation."
- Virginia Department of Motor Vehicles. "Insurance Requirements."
- III. "Auto insurance basics—understanding your coverage."
- Supreme Court of Virginia. "Rule 3B:2. Uniform Fine Schedule.."
- Virginia Department of Forensic Science. "Virginia Alcohol-Related Motor Vehicle Statistics (Calendar Years 1996-2021)."
- Virginia Department of Motor Vehicles. "Virginia is Tough on Drunk and Drugged Drivers."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- Commonwealth of Virginia State Corporation Commission. "Insurance Credit Scoring: How It Affects Your Automobile and Homeowners Insurance."
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Written byTheresa Stevens
Theresa Stevens
AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
Theresa is a writer and former financial advisor with experience helping clients solve money challenges. She uses her expertise to clarify complex personal finance concepts.
Featured in
Theresa is a writer and former financial advisor with experience helping clients solve money challenges. She uses her expertise to clarify complex personal finance concepts.
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.