Cheapest Auto Insurance in Norfolk, Virginia (2026)

The average auto insurance policy in Norfolk costs $217 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.

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	$62	Cheap rates
State Farm	9.3	$102	$63	Teen drivers
USAA	9.1	$137	$85	Military members

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  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

cheap rates

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User Reviews	4.3 140 reviews
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.	$78/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.	$125/mo

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Driver Reviews

4.3

Best choiceBased on 285 verified guest 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 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 For

Cheap rates

Senior drivers

Ample discounts

Reviews (140)

Brenda

Verified Review

Discouraged

Reviewed in Iowa on January 2026

They increased their price in the last six months for my monthly premium. I believe I should have received a discount given how long I have been with them and my agent.

Peter

Verified Review

Auto Owners

Reviewed in Florida on January 2026

Shop around, compare cost and performance.

Mickie

Verified Review

I prefer to discuss my problems with Insutrify

Reviewed in South Dakota on January 2026

I would like many more quotes and printed copies of those quotes so that I could make more informed decisions. At present, all I'm given is 'this one is cheaper' and 'this is the price if you combine home insurance.'

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

654

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.46

A.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

teen drivers

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User Reviews	4.1 6,874 reviews
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.	$80/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.	$129/mo

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Driver Reviews

4.1

Best choiceBased on 14,040 verified guest 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 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 For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (6,874)

Janet

Verified Review

My State Farm

Reviewed in Mississippi on January 2026

No problems ever.

Shirley

Verified Review

Why is coverage so expensive?

Reviewed in Texas on January 2026

It's expensive for people who have NEVER had an accident, ticket, OR DUI. I keep my car in top condition. I'm an 84-year-old senior citizen with a clean driving record all around, yet I'm still not rewarded. The company is supposed to partner with the state for cheaper insurance for people over 50 years old. Is this true? I saw it on my phone. God bless.

Lanell

Verified Review

Always there to help and offer more than just auto insurance

Reviewed in North Carolina on January 2026

I love it. The company, my agent, and the staff are awesome people.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.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

military members

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User Reviews	4.9 1,409 reviews
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.	$108/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.	$173/mo

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Driver Reviews

4.9

Best choiceBased on 2,754 verified guest 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 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 For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (1,409)

Marcia

Verified Review

Good customer service and roadside assistance.

Reviewed in Michigan on January 2026

I have not had to make any claims except for roadside assistance, and it went well. Their prices are rather high, though. I like the company and what they stand for, but I'm not sure if I can afford to keep them.

James

Verified Review

Great service and well laid out.

Reviewed in Kentucky on January 2026

I had them before and I can’t remember why I left. But I'm happy to be back.

Peter

Verified Review

USAA is the finest insurance company I have ever been with.

Reviewed in Tennessee on January 2026

I've got a total of forty-six years with USAA. Most of the military are insured with them. I always got great coverage and no problems with all the personnel I've dealt with. I recommend USAA to everyone.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.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 $78/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 are estimated rates current as of: Monday, January 19 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
Auto-Owners	$78
State Farm	$80
Mercury	$107
USAA	$108
Elephant	$117
Chubb	$118
CSAA	$119
Erie	$123
National General	$133
Progressive	$137
Bristol West	$138
Nationwide	$139
Direct Auto	$142
GEICO	$142
GAINSCO	$155
Safeco	$157
Root	$162
Allstate	$168
Dairyland	$174
Liberty Mutual	$204
AssuranceAmerica	$206
The General	$208
Travelers	$226

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $217 per month for full coverage. Here are some of the cheapest full-coverage auto insurance options in Norfolk.

The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
Auto-Owners	$125
State Farm	$129
Progressive	$149
USAA	$173
Elephant	$177
CSAA	$183
Chubb	$189
Erie	$197
Mercury	$208
GEICO	$209
Nationwide	$224
Safeco	$233
National General	$243
Bristol West	$244
Direct Auto	$246
Root	$264
Liberty Mutual	$270
Allstate	$271
GAINSCO	$322
Travelers	$362
AssuranceAmerica	$364
The General	$389
Dairyland	$420

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. 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 $208 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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4.8/5

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 $221 per month. Here are some of the cheapest monthly quotes for drivers with a speeding ticket in Norfolk.

The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With Speeding Ticket
Auto-Owners	$78	$101
State Farm	$80	$101
Mercury	$107	$149
USAA	$108	$139
Elephant	$117	$139
Chubb	$118	$149
CSAA	$119	$153
Erie	$123	$162
National General	$133	$165
Progressive	$137	$170
Bristol West	$138	$172
Nationwide	$139	$179
Direct Auto	$142	$177
GEICO	$142	$185
GAINSCO	$155	$184
Safeco	$157	$206
Root	$162	$215
Allstate	$168	$217
Dairyland	$174	$215
Liberty Mutual	$204	$258
AssuranceAmerica	$206	$261
The General	$208	$276
Travelers	$226	$291

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $226 per month for car insurance, on average. Here are some of the lowest average quotes for drivers in this category.

The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST. 

Insurance Company	With Clean Record	With Accident
Auto-Owners	$78	$101
State Farm	$80	$103
Mercury	$107	$158
USAA	$108	$141
Elephant	$117	$150
Chubb	$118	$153
CSAA	$119	$167
Erie	$123	$159
National General	$133	$173
Progressive	$137	$174
Bristol West	$138	$178
Nationwide	$139	$182
Direct Auto	$142	$190
GEICO	$142	$180
GAINSCO	$155	$194
Safeco	$157	$216
Root	$162	$211
Allstate	$168	$220
Dairyland	$174	$224
Liberty Mutual	$204	$266
AssuranceAmerica	$206	$269
The General	$208	$280
Travelers	$226	$297

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $223 per month.

Here are some of the cheapest monthly quotes for drivers with a DUI in the city.

The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST. 

Insurance Company	With Clean Record	With DUI
Auto-Owners	$78	$106
State Farm	$80	$109
Mercury	$107	$153
USAA	$108	$147
Elephant	$117	$159
Chubb	$118	$160
CSAA	$119	$162
Erie	$123	$167
National General	$133	$181
Progressive	$137	$171
Bristol West	$138	$188
Nationwide	$139	$189
Direct Auto	$142	$193
GEICO	$142	$191
GAINSCO	$155	$211
Safeco	$157	$231
Root	$162	$221
Allstate	$168	$228
Dairyland	$174	$237
Liberty Mutual	$204	$277
AssuranceAmerica	$206	$280
The General	$208	$283
Travelers	$226	$307

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $153 per month for car insurance.

Here are some of the cheapest auto insurance quotes for senior drivers in Norfolk.

The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST. 

Insurance Company	Full Coverage	Liability Only
Auto-Owners	$99	$62
State Farm	$101	$63
Progressive	$128	$117
USAA	$140	$88
Chubb	$142	$89
CSAA	$145	$94
Elephant	$147	$97
Erie	$151	$94
GEICO	$166	$113
Mercury	$167	$86
Nationwide	$171	$106
National General	$191	$104
Direct Auto	$198	$114
Bristol West	$202	$114
Safeco	$203	$137
Allstate	$220	$136
Root	$221	$136
Liberty Mutual	$225	$170
GAINSCO	$272	$131
AssuranceAmerica	$285	$161
Travelers	$289	$180
The General	$325	$174
Dairyland	$356	$147

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

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 $361 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 are estimated rates current as of: Monday, January 19 at 11:00 AM PST. 

Insurance Company	Full Coverage	Liability Only
State Farm	$263	$163
Auto-Owners	$263	$164
Progressive	$302	$278
Elephant	$329	$218
CSAA	$330	$214
USAA	$338	$211
Erie	$384	$240
GEICO	$398	$271
Mercury	$406	$209
Chubb	$412	$257
Bristol West	$461	$261
Nationwide	$461	$286
Root	$486	$298
Safeco	$494	$333
Direct Auto	$503	$291
Liberty Mutual	$505	$382
National General	$517	$283
Allstate	$565	$350
GAINSCO	$629	$303
The General	$722	$386
Dairyland	$750	$311
AssuranceAmerica	$784	$444
Travelers	$787	$491

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

Is car insurance more expensive in Norfolk?

The average cost of full-coverage car insurance in Norfolk is $217 per month, which is similar to the national monthly average of $172 and higher than Virginia’s average of $174 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	$203	$139
Arlington	$165	$119
Charlottesville	$155	$94
Chesapeake	$174	$124
Lynchburg	$153	$98
Richmond	$208	$146
Roanoke	$151	$95
Virginia Beach	$177	$120
Woodbridge	$210	$144

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Norfolk car insurance FAQs