Cheapest Auto Insurance in Norfolk, Virginia (2024)

Auto-Owners, State Farm, and Mercury offer the cheapest car insurance in Norfolk.

Theresa 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.


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Katie Powers
Edited byKatie Powers
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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.

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Updated May 23, 2024

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Cheapest recent rates near Norfolk, Virginia

Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $71/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 May 23, 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 May 23, 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 May 23, 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 May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The average auto insurance policy in Norfolk costs $187 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 flood risk may contribute to its higher car insurance rates. Drivers in Norfolk typically pay more for car insurance than the statewide average of $131 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 $150 per month.

  • Norfolk drivers pay an average of $2,244 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 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 CompanyIQ Score
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.
Full CoverageLiability OnlyBest For
Auto-Owners4.3$69$39Cheap rates
State Farm4.6$71$40Teen drivers
USAA4.7$95$54Military 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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for cheap rates: Auto-Owners

Compare personalized, real-time quotes
IQ Score
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.
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.
$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.
$80/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

Read our Auto-Owners review
James - May 14, 2024
Verified

Excellent

I'm quite satisfied, I'm just getting a quote from you.

Charles - May 14, 2024
Verified

Average

They're no different than any other company. They give a good price, then start raising your rates.

Duncan - May 11, 2024
Verified

Price Skyrocketed

They had very competitive pricing until 2024, but not after that.

Best insurer for teen drivers: State Farm

Compare personalized, real-time quotes
IQ Score
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.
4.6
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.
$46/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.
$81/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

Cons
  • Doesn’t offer gap insurance 

  • Accident forgiveness not available

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

Best insurer for military members: USAA

Compare personalized, real-time quotes
IQ Score
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.
4.7
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.
$62/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.
$110/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

Read our USAA review
Billy - May 22, 2024
Verified

USAA

The price became too expensive.

Stephanie - May 22, 2024
Verified

Customer Service Review

The customer service is always professional and helpful. I am thankful for the great people they employ.

Richard - May 21, 2024
Verified

No

Good company.

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.

Get Cheap Coverage in Norfolk

Liability rates start as low as $45/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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners45
State Farm46
Mercury60
GEICO62
USAA62
Chubb68
Clearcover69
Erie70
Safeco79
Nationwide80
Midvale Home & Auto84
Direct Auto93
State Auto93
Progressive94
Allstate96
Elephant96
National General110
AssuranceAmerica118
GAINSCO118
Dairyland120
Liberty Mutual121
Travelers128
CSAA140
Bristol West152
The General175
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 $187 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners80
State Farm81
GEICO110
USAA110
Clearcover118
Chubb120
Erie125
Mercury126
Safeco128
Midvale Home & Auto139
Nationwide142
State Auto161
Direct Auto166
Allstate172
Elephant172
Progressive181
AssuranceAmerica187
Liberty Mutual196
National General213
CSAA222
Travelers229
GAINSCO275
Bristol West301
Dairyland301
The General329
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.

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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]

CoverageCurrent RequirementsPolicies Effective on or After Jan. 1, 2025
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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance kicks in to cover your vehicle damage following a non-collision incident, including severe weather, vandalism, or falling objects.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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

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 $198 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.

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 $212 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Auto-Owners4558
State Farm4659
Mercury6083
GEICO6280
USAA6280
Chubb6889
Clearcover6990
Erie7092
Safeco79103
Nationwide80104
Midvale Home & Auto84112
Direct Auto93121
State Auto93130
Progressive94121
Allstate96123
Elephant96137
National General110156
AssuranceAmerica118155
GAINSCO118168
Dairyland120156
Liberty Mutual121172
Travelers128166
CSAA140186
Bristol West152194
The General175228
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 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 $218 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyWith Clean RecordWith Accident
Auto-Owners4560
State Farm4661
Mercury6086
GEICO6283
USAA6283
Chubb6892
Clearcover6998
Erie7096
Safeco79103
Nationwide80108
Midvale Home & Auto84119
Direct Auto93128
State Auto93138
Progressive94128
Allstate96129
Elephant96127
National General110147
AssuranceAmerica118159
GAINSCO118153
Dairyland120161
Liberty Mutual121177
Travelers128173
CSAA140197
Bristol West152201
The General175240
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. On average, Norfolk drivers with a past DUI pay $248 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyWith Clean RecordWith DUI
Auto-Owners4575
State Farm4677
Mercury6090
GEICO62103
USAA62103
Chubb68113
Clearcover69115
Erie70117
Safeco79132
Nationwide80133
Midvale Home & Auto84140
Direct Auto93155
State Auto93155
Progressive94157
Allstate96160
Elephant96160
National General110183
AssuranceAmerica118196
GAINSCO118196
Dairyland120200
Liberty Mutual121201
Travelers128213
CSAA140233
Bristol West152253
The General175291
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 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 70 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 $106 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
Auto-Owners5833
State Farm5833
Chubb8146
GEICO8146
USAA8146
Erie8648
Clearcover8751
Mercury8842
Safeco9559
Midvale Home & Auto9759
Nationwide9855
State Auto11566
Direct Auto11866
Progressive12062
Elephant12570
Allstate12871
AssuranceAmerica13183
Liberty Mutual14388
National General15882
CSAA161101
Travelers16693
GAINSCO20889
Bristol West223113
Dairyland22389
The General250133
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, 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 $267 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm13677
Auto-Owners13777
GEICO17297
USAA181102
Erie209117
Chubb219124
Clearcover228133
Mercury228108
Midvale Home & Auto240145
Nationwide241136
Safeco266164
Elephant282157
State Auto283163
Allstate299167
Direct Auto301169
Progressive325169
AssuranceAmerica345217
CSAA362228
Liberty Mutual362224
National General394204
Travelers409229
GAINSCO489210
Dairyland501200
Bristol West509257
The General529281
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 $187 per month, which is similar to the national monthly average of $172 and higher than Virginia’s average of $168 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 car insurance rates.

CityFull CoverageLiability Only
Alexandria$177$108
Arlington$176$91
Charlottesville$137$75
Chesapeake$169$104
Lynchburg$152$83
Richmond$192$113
Roanoke$156$87
Virginia Beach$169$100
Woodbridge$186$114
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 $150 per month. On average, drivers pay $113 per month for liability coverage and $187 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 4.6 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 Mercury are the cheapest liability insurance companies in Norfolk, with rates starting at $45, $46, and $60 per month, respectively.

  • How much is car insurance in Virginia per month?

    In Virginia, drivers pay $93 per month for liability coverage and $168 for full-coverage insurance. The overall cost of insurance in the state is $131. 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.

Sources

  1. U.S. Census Bureau. "QuickFacts: Norfolk city, Virginia."
  2. The City of Norfolk. "Flooding Awareness & Mitigation."
  3. Virginia Department of Motor Vehicles. "Insurance Requirements."
  4. III. "Auto insurance basics—understanding your coverage."
  5. Supreme Court of Virginia. "Rule 3B:2. Uniform Fine Schedule.."
  6. Virginia Department of Forensic Science. "Virginia Alcohol-Related Motor Vehicle Statistics (Calendar Years 1996-2021)."
  7. Virginia Department of Motor Vehicles. "Virginia is Tough on Drunk and Drugged Drivers."
  8. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
  9. Commonwealth of Virginia State Corporation Commission. "Insurance Credit Scoring: How It Affects Your Automobile and Homeowners Insurance."
Theresa Stevens
Theresa Stevens

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.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
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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.

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