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.
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Mark FriedlanderDirector, Corporate Communications, Triple-I
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Cheapest recent rates near Norfolk, Virginia
Drivers using Insurify have found quotes as cheap as $38/mo for liability only and $72/mo for full coverage in Norfolk and other Virginia cities.
*Quotes generated for Insurify users in and around Norfolk, Virginia within the last 10 days. Last updated on July 25, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 July 25, 2024. 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 July 25, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 July 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
The average auto insurance policy in Norfolk costs $195 per month for full coverage and $113 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 $133 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 $154 per month.
Norfolk drivers pay an average of $2,337 per year for full-coverage insurance.
Minimum car insurance requirements in Virginia are changing and increasing 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
8.5
$72
$38
Cheap rates
State Farm
9.3
$73
$39
Teen drivers
USAA
9.4
$99
$53
Military members
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.
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 28,000 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.
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.
8.5/10
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.
$44/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.
$83/mo
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
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.
$45/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.
$85/mo
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
The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.
Matthew - July 25, 2024
Verified
Abandoned by State Farm
It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.
Janet - July 25, 2024
Verified
Too High
I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.
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.
9.4/10
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.
$61/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.
$115/mo
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
A few years ago, a minor male bicyclist collided with my car, which my wife was driving at the time. She was leaving a large intersection with a green light when the bicyclist, who was riding in a pedestrian lane, appeared from behind a stopped box truck that obscured his approach. The local police department in Belmont, MA, was called and the Traffic Control Officer wrote up the accident report, clearing my wife of any responsibility. I forwarded this report to USAA. However, when I applied for increased motor vehicle insurance coverage about a year later, I was denied. USAA cited the accident with the bicyclist as a chargeable accident against my wife, despite the police report, and they had never informed us about this. I was never able to resolve this issue. Another incident occurred on December 14, 2023. I wired $60,000 to USAA for a 7-month CD and received a receipt acknowledgment. However, on the same day, the deposit was withdrawn without any direct notice to me, except for a normal monthly bank statement reflecting the withdrawal without any explanation in mid-January. It took about 9 days for USAA to resolve the issue and return the $60,000. This was a very stressful 9 days for me, and I never received an apology or explanation. Trying to reach someone with authority through numerous phone calls was literally impossible. It took a two-page business letter with 7 enclosures to get the CEO's right-hand woman to take action and return the $60,000 to my credit union. As for insurance rates, we own, register, and insure two cars that are driven about 10 miles per week on average, sometimes 100 miles on a Saturday to visit our daughter. However, it seems that we do not receive any discount for this.
…
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 $44/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 $113 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, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
$44
State Farm
$45
GEICO
$61
USAA
$61
Mercury
$64
Chubb
$67
Clearcover
$69
Erie
$69
Nationwide
$80
Midvale Home & Auto
$81
Safeco
$89
Direct Auto
$94
Progressive
$95
Allstate
$96
Elephant
$98
State Auto
$102
National General
$111
GAINSCO
$120
AssuranceAmerica
$122
Dairyland
$124
Travelers
$129
CSAA
$138
Liberty Mutual
$147
Bristol West
$152
The General
$179
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $195 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, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
$83
State Farm
$85
GEICO
$115
USAA
$115
Clearcover
$122
Chubb
$125
Erie
$131
Mercury
$139
Midvale Home & Auto
$139
Safeco
$139
Nationwide
$148
Direct Auto
$164
State Auto
$167
Elephant
$177
Allstate
$178
Progressive
$182
AssuranceAmerica
$200
National General
$217
CSAA
$219
Travelers
$239
Liberty Mutual
$242
GAINSCO
$284
Bristol West
$299
Dairyland
$303
The General
$345
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Norfolk, Virginia
Drivers using Insurify have found quotes as cheap as $38/mo for liability only and $72/mo for full coverage in Norfolk and other Virginia cities.
*Quotes generated for Insurify users in and around Norfolk, Virginia within the last 10 days. Last updated on July 25, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 July 25, 2024. 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 July 25, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 July 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Virginia
Virginia drivers used to be able to pay a $500 uninsured motorist fee instead of carrying coverage, but starting July 1, 2024, you need to buy a minimum amount of 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]
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
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.
Find Car Insurance After an Accident
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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 $214 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, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
Auto-Owners
$44
$57
State Farm
$45
$57
GEICO
$61
$78
USAA
$61
$78
Mercury
$64
$88
Chubb
$67
$87
Clearcover
$69
$89
Erie
$69
$90
Nationwide
$80
$104
Midvale Home & Auto
$81
$108
Safeco
$89
$116
Direct Auto
$94
$121
Progressive
$95
$122
Allstate
$96
$123
Elephant
$98
$138
State Auto
$102
$142
National General
$111
$142
GAINSCO
$120
$169
AssuranceAmerica
$122
$159
Dairyland
$124
$160
Travelers
$129
$167
CSAA
$138
$181
Liberty Mutual
$147
$207
Bristol West
$152
$194
The General
$179
$232
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $220 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, July 1 at 12:00 PM PDT.
Insurance Company
With Clean Record
With Accident
Auto-Owners
$44
$59
State Farm
$45
$60
GEICO
$61
$82
USAA
$61
$82
Mercury
$64
$91
Chubb
$67
$90
Clearcover
$69
$99
Erie
$69
$94
Nationwide
$80
$108
Midvale Home & Auto
$81
$115
Safeco
$89
$116
Direct Auto
$94
$128
Progressive
$95
$129
Allstate
$96
$128
Elephant
$98
$128
State Auto
$102
$149
National General
$111
$150
GAINSCO
$120
$154
AssuranceAmerica
$122
$163
Dairyland
$124
$165
Travelers
$129
$174
CSAA
$138
$193
Liberty Mutual
$147
$214
Bristol West
$152
$201
The General
$179
$244
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $251 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, July 1 at 12:00 PM PDT.
Insurance Company
With Clean Record
With DUI
Auto-Owners
$44
$73
State Farm
$45
$75
GEICO
$61
$101
USAA
$61
$101
Mercury
$64
$96
Chubb
$67
$111
Clearcover
$69
$114
Erie
$69
$114
Nationwide
$80
$133
Midvale Home & Auto
$81
$134
Safeco
$89
$147
Direct Auto
$94
$156
Progressive
$95
$157
Allstate
$96
$159
Elephant
$98
$162
State Auto
$102
$169
National General
$111
$184
GAINSCO
$120
$199
AssuranceAmerica
$122
$202
Dairyland
$124
$205
Travelers
$129
$214
CSAA
$138
$229
Liberty Mutual
$147
$243
Bristol West
$152
$252
The General
$179
$296
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $113 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, July 1 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
Auto-Owners
$61
$33
State Farm
$62
$33
Chubb
$86
$46
GEICO
$86
$46
USAA
$86
$46
Clearcover
$92
$52
Erie
$92
$48
Mercury
$99
$46
Midvale Home & Auto
$100
$58
Nationwide
$104
$56
Safeco
$107
$69
Direct Auto
$119
$68
State Auto
$120
$73
Progressive
$122
$64
Elephant
$133
$73
Allstate
$135
$73
AssuranceAmerica
$142
$87
National General
$159
$82
CSAA
$160
$101
Travelers
$176
$95
Liberty Mutual
$184
$112
GAINSCO
$222
$94
Bristol West
$225
$115
Dairyland
$228
$93
The General
$265
$138
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: 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 $275 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, July 1 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
Auto-Owners
$142
$75
State Farm
$144
$76
GEICO
$181
$96
USAA
$191
$101
Erie
$220
$116
Chubb
$231
$124
Clearcover
$236
$134
Midvale Home & Auto
$239
$139
Mercury
$252
$116
Nationwide
$253
$137
Safeco
$287
$184
Elephant
$291
$161
State Auto
$296
$181
Direct Auto
$298
$171
Allstate
$312
$168
Progressive
$327
$171
CSAA
$358
$225
AssuranceAmerica
$370
$226
National General
$418
$214
Travelers
$430
$232
Liberty Mutual
$444
$269
GAINSCO
$503
$212
Dairyland
$504
$206
Bristol West
$508
$258
The General
$556
$288
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Cheap Car Insurance in Norfolk, VA
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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 $195 per month, which is similar to the national monthly average of $172 and higher than Virginia’s average of $172 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.
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.
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 $154 per month. On average, drivers pay $113 per month for liability coverage and $195 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 5, 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 GEICO are the cheapest liability insurance companies in Norfolk, with rates starting at $44, $45, and $61 per month, respectively.
How much is car insurance in Virginia per month?
In Virginia, drivers pay $94 per month for liability coverage and $172 for full-coverage insurance. The overall cost of insurance in the state is $133. 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 $30,000 per person and $50,000 per accident in bodily injury liability and $20,000 per person in property damage liability.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
Theresa Stevens is a personal finance writer based in Boston, Massachusetts. Her work has been featured in Forbes Advisor, Bankrate, and more. As a former financial advisor, she has first-hand experience helping people solve their money challenges. When she's not writing, you'll find her trying out new karaoke spots or planning her next trip abroad.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Mark FriedlanderDirector, Corporate Communications, Triple-I
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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