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.
Save up to $717 by comparing quotes from the top 70+ insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Why you can trust Insurify: Insurify’s expert insurance writers and editors operate independently of our insurance partners. As an independent agent and insurance comparison website, we make money through commissions from insurers. But that does not influence any editorial content, including reviews. Learn more.
The average auto insurance policy in Norfolk costs $199 per month for full coverage and $116 for liability only. You can compare quotes to find even cheaper rates. 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 flood risk may contribute to its higher car insurance rates. Drivers in Norfolk typically pay more for car insurance than the statewide average of $134 per month.
Here’s what you need to know to find the best auto policy in Norfolk for your insurance needs.
Quick Facts
The overall cost of car insurance in Norfolk is $158 per month.
Drivers in the state can opt out of buying car insurance by paying a $500 uninsured motorist fee to the Virginia Department of Motor Vehicles.
Virginia insurers can consider your credit information when determining car insurance premiums.
Find Car Insurance in Norfolk, Virginia
Insurify partners with 70+ top insurers for accurate quotes
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Best car insurance companies in Norfolk
Car insurance rates depend on various factors, including your 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.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$42/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.
$67/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. 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 insurance agent
I’ve had no problems with them, and they’re cheaper than any other insurer for the coverage I have.
Dean - April 26, 2019
Verified
Good customer service
Debora - February 12, 2019
Verified
Their staff is always friendly, they answer all my questions, and I may stay with them. Regardless, I’m researching other options because my rates are so high due to two accidents in 2016.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$70/mo
The largest auto insurance company by market share in the U.S., State Farm sells insurance products in all 50 states, 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 program.
Pros
Multiple available discounts for young drivers
A++ (Superior) financial strength rating from AM Best
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$58/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.
$93/mo
Founded in 1922, USAA is the fifth-largest auto insurer by market share in the country. The company provides coverage for active, retired, and reserve military members, as well as their eligible family members. Beyond standard auto coverage offerings, USAA sells roadside assistance and car rental reimbursement coverage.
Pros
SafePilot program offers savings of up to 30% to good drivers
Offers banking and investment products
Cons
Only available for military members, veterans, and their families
Gap insurance not available
Overall poor service, took a safe driving discount away because I wasn’t driving enough.
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 decides to sue you.[3]
Though Virginia law requires liability insurance for drivers who opt to buy coverage, 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.
Here are some of the cheapest options for liability-only car insurance in Norfolk.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
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
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. However, if you finance or lease a vehicle, the lender may require you to carry a full-coverage policy.
Here are some of the cheapest full-coverage auto insurance options in Norfolk.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
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.
Car insurance requirements in Virginia
Virginia drivers can decide to buy the state’s minimum-required car insurance or pay a $500 uninsured motorist fee to the DMV. Failure to do either will result in the suspension of your driver’s license and vehicle registration.
If you opt to carry coverage, you need to buy a minimum amount of liability and uninsured/underinsured motorist coverage.[4] The minimum limits for liability coverage will increase for policies that start in 2025.[5] You can see the current and future requirements below.
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, this coverage helps pay repair or replacement costs. It applies regardless of who caused the accident.
Comprehensive coverage
This coverage kicks in to cover your vehicle damage following a non-collision incident, including severe weather, vandalism, or falling objects.
Loan/lease gap coverage
If someone steals your car or you total your vehicle, gap coverage 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.
Virginia Automobile Insurance Plan
VAIP
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.[6]
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.
Find Car Insurance After an Accident
Insurify partners with 70+ top insurers for real-time quotes
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket
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.[7]
On average, Norfolk drivers with a speeding ticket pay $219 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, September 18 at 12:00 PM PDT.
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
In Virginia, insurers can increase your premium 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 $227 per month, 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, September 18 at 12:00 PM PDT.
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
In 2021, 6,749 alcohol-related car accidents in Virginia resulted in 4,224 injuries and 247 fatalities.[8] 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.[9]
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. On average, Norfolk drivers with a past DUI pay $259 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, September 18 at 12:00 PM PDT.
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
Age is a major factor insurers look at when determining car insurance rates. Drivers between the ages of 35 and 75 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 75 might start to face slightly increased rates due to aging-related risk factors that may affect their driving ability or make them more prone to injury in the event of an accident. On average, senior drivers in Norfolk pay $105 per month.
Here are some of the cheapest auto insurance quotes for senior drivers in Norfolk.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
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
Teen drivers have the highest crash risk of any age group, according to the Centers for Disease Control and Prevention (CDC).[10] This, along with a lack of driving experience, likely 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 $284 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.
Here are some of the cheapest monthly quotes for teen drivers in the city.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
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.
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 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.
Find Cheap Car Insurance in Norfolk, VA
Insurify partners with 70+ top insurers for quotes
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Norfolk car insurance quotes by credit tier
The state of Virginia allows insurers to consider your credit score when setting auto insurance rates. Generally, people with good credit scores pay less for car insurance, while drivers with bad credit scores pay more.[11]
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 $199 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, population density, and severe weather risks. 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 full-coverage 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 $158 per month. On average, drivers pay $116 per month for liability coverage and $199 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 4.4 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.
How much is car insurance in Virginia a month?
In Virginia, drivers pay $95 per month for liability coverage and $173 for full-coverage insurance. The overall cost of insurance in the state is $134. 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?
No. Virginia is one of two U.S. states that doesn’t require car insurance. Drivers in the state can opt out of coverage by paying a $500 uninsured motorist fee to the Virginia Department of Motor Vehicles. Otherwise, drivers need to purchase the minimum amount of coverage to drive legally. Failure to pay the fee or purchase coverage results in driver’s license and vehicle registration suspension.
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. You also need $30,000 per person and $60,000 per accident in uninsured/underinsured motorist (UM/UIM) bodily injury coverage and $20,000 per accident in UM/UIM property damage coverage.
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.