Cheapest Auto Insurance in Portsmouth, Virginia (2026)

The overall average cost of car insurance in Portsmouth, Virginia, is $174 per month, according to Insurify data. This is slightly more affordable than the national average of $136 per month but more expensive than the Virginia average of $140.

Portsmouth is a city full of history and home to many bridges and tunnels, which can influence traffic patterns and car insurance rates. Comparing quotes from multiple insurers is the best way to find an affordable policy in Portsmouth.

3 of the cheapest car insurance companies in Portsmouth

Finding the best rate is just one part of shopping for auto insurance coverage. The right company for you will depend on your needs and the coverage you’re looking to get.

Check out the three options for cheap car insurance in Portsmouth in the table below. You can see insurance quotes for full coverage and liability only and what each company is best for to help you choose the right fit.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best For
Auto-Owners	8.2	$99	$61	Uninsured motorist coverage
State Farm	9.3	$101	$62	Bundling
GEICO	9.2	$166	$111	Military members

Disclaimer: Table data sourced from real-time Portsmouth car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Portsmouth 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 uninsured motorist coverage: Auto-Owners

uninsured motorist coverage

Compare Quotes

User Reviews	4.3 146 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.	$74/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.	$120/mo

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Driver Reviews

4.3

Best choice in Portsmouth, VABased on 309 verified driver reviews and ratings

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best in Portsmouth for

Cheap rates

Senior drivers

Ample discounts

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best in Portsmouth for

Cheap rates

Senior drivers

Ample discounts

Showing recent national reviews - See all 146 Auto-Owners reviews

Wayne

Verified Review

Cost too much for someone who never had a claim

Reviewed in Florida on March 2, 2026

Never had a claim.

Paul

Verified Review

Auto Owners

Reviewed in Michigan on February 10, 2026

Auto Owners' rates have increased year after year.

Warren

Verified Review

Punishment for 65+ years of no problems.

Reviewed in South Carolina on February 1, 2026

I have been licensed since two weeks before my 14th birthday, in other words, 65+ years. I had 2 tickets and 1 accident (that was in July 2024). It cost me a $25 fine and no points, yet my rate increased by 60%. This was the only claim against me over the years. I don't drive much, about 10,000 miles a year if that much, and yet I'm being punished for years of no problems. BTW, the patrolman questioned the ability of the on-lookers of the accident.

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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

Historically, Virginia has allowed drivers to pay a $500 uninsured motor vehicle (UMV) fee each year to drive without car insurance. That’s changing on July 1, 2024, when the commonwealth will no longer offer the option of a UMV fee and will instead require all drivers to buy car insurance.

But it may take some motorists time to catch up. To stay protected, you can get uninsured/underinsured motorist coverage with Auto-Owners. The company also offers multiple discounts to help you get the lowest rates.

Pros

• Gap insurance and accident forgiveness available

• Offers multiple student discounts

Cons

• Not available in every state

• Poor customer service and claims process complaints on the Better Business Bureau (BBB) website

Best insurer for bundling: State Farm

bundling

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User Reviews	4.0 7,176 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.	$75/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.	$122/mo

Show Details

Driver Reviews

4.0

Best choice in Portsmouth, VABased on 15,788 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Portsmouth for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Portsmouth for

Customer service

Competitive rates

Discounts for safe drivers

Showing 43 Virginia reviews for Portsmouth drivers - See all 7,176 State Farm reviews

Holly

Verified Review

Frustrated Customer

Reviewed in Virginia on February 27, 2026

My policy increased consistently, even with no accidents and no tickets. Then when I had an accident, they dropped my coverage.

Richard

Verified Review

When you want to save money

Reviewed in Virginia on February 26, 2026

State Farm is good but has gotten expensive.

Robert

Verified Review

State Farm Ripoff

Reviewed in Virginia on February 19, 2026

They set their policies to get more money from the customer. I have the discounts available on my policy, and they increase their fee every month.

Bernard

Verified Review

My State Farm Agency Settlement of Minor Vehicle Bump

Reviewed in Virginia on February 16, 2026

I had a very minor bump at the local landfill with another vehicle last fall. Whether I was at fault was very questionable. I was never notified by State Farm about any settlement.

Jodi

Verified Review

Too expensive for a 2013 car. More than my health insurance. Actively looking for another cheaper insurance.

Reviewed in Virginia on January 9, 2026

Too expensive for a 2013 car. More than my health insurance. Actively looking for another cheaper insurance.

John

Verified Review

The Good, the Bad, and the Ugly

Reviewed in Virginia on January 5, 2026

I am 74. I actually have an employee of the agency call when I have a premium due. I have a clean driving record. All of my vehicles have liability-only coverage and most have farm tags. It is not cheap. The online process to shop for insurance is daunting. What is real and what is BS? To disclose personal info to a bot or someone that cannot communicate clearly is downright scary. A high premium with State Farm is much safer and affords peace of mind.

Robert

Verified Review

5 Stars

Reviewed in Virginia on January 2, 2026

Always the best service and gives me the best discounts. Very excellent. 5 stars.

Patricia

Verified Review

State Farm took personal interest

Reviewed in Virginia on December 25, 2025

Always available and fair.

Keith

Verified Review

No problems at all. I haven’t had to file a claim yet, but my monthly rate is pretty good. My agent is great, and I don’t want to leave them.

Reviewed in Virginia on December 13, 2025

No problems at all. I haven’t had to file a claim yet, but my monthly rate is pretty good. My agent is great, and I don’t want to leave them.

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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

State Farm is the best option for bundling, as it offers many different insurance products, including boat insurance. The city of Portsmouth has access to the Elizabeth River and is home to more than 250 boat owners. So if you’re looking for cheap car insurance in Portsmouth and need additional insurance policies, like boat insurance, commercial liability umbrella insurance for business, or home insurance, State Farm is a great option for bundling and getting multiple policies.

Pros

• Can work with a local State Farm agent

• Teen driver discounts available

Cons

• Doesn’t offer gap insurance

• Negative customer reviews on the BBB website

Best insurer for military members: GEICO

military members

Compare Quotes

User Reviews	4.0 7,420 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.	9.2 /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.	$135/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.	$201/mo

Show Details

Driver Reviews

4.0

Best choice in Portsmouth, VABased on 16,013 verified driver reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Portsmouth for

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Portsmouth for

Teen drivers

Cheap rates

Accident forgiveness

Showing 28 Virginia reviews for Portsmouth drivers - See all 7,420 GEICO reviews

Que

Verified Review

Check the fine print, and you do not owe them loyalty

Reviewed in Virginia on March 2, 2026

Huge increase every 6 months, even though I had no claims for 17 years!

Anthony

Verified Review

Dissatisfied with Rate Increase

Reviewed in Virginia on February 20, 2026

My policy renewal increased by over $100 for no reason. I haven't gotten a ticket or been in an accident. I have the safe drive app, but there's misinformation when using it. I train drivers, so most of the time I'm not driving when using my phone, and it's too much trouble trying to adjust whether I'm driving or not.

Margurita

Verified Review

Rate and Price

Reviewed in Virginia on February 10, 2026

Better rates and lower prices.

Mary

Verified Review

Even if it hurts, choose integrity.

Reviewed in Virginia on February 6, 2026

My policy doubled due to a parking issue. I was parallel parking and scraped the car behind me. It was my fault. But doubling my policy payment? I've been a customer for over thirty years. I owed the man behind me honesty, so I left a note on his windshield. However, the hike in my premiums is making it almost unaffordable to keep the car. They have been a good insurance company for the thirty-plus years I have enjoyed their coverage. I trust them. They send a locksmith or a battery jump when needed over the years. Two of my three adult children also use them.

Mohamed

Verified Purchase

The cost of the policy is too high

Reviewed in Virginia on January 27, 2026

The price of the coverage is very high.

Candi

Verified Review

Good at first but then...

Reviewed in Virginia on January 19, 2026

At first, Geico was good, but then my payments began to get higher and higher.

Jerry

Verified Review

Great service, pays claims quickly, may be overpaying

Reviewed in Virginia on January 16, 2026

Great service and coverage for their customers. They have been my auto insurer since 1978. They have covered every claim I have submitted. I have a 20-year-old Miata. A couple of years ago, the decayed convertible top was torn away when a storm came through. Over the years, it had been getting noisier and noisier in the car from wind blowing in through the tiny holes in the top. My wife suggested I try Geico before I paid out of pocket to replace the top. Much to my surprise, they covered the replacement. Very recently, I rented a car from Avis in New Orleans which had a number of scratches and dings when I got the car. I did not take photos at the time of the rental, but did get a walk-around from Avis noting the areas of damage at the time of rental. A couple of weeks after the return, Avis tried to charge me $5K for damages. I handed it off to Geico and they covered it. I don't know if they paid anything but I did not. There is, however, another side to Geico. My sister, who does not use Geico, was hit by someone with Geico. They jerked her around endlessly. She hates the company. Since I am a long-term customer, I am probably overpaying. I recently checked other companies and found their rates significantly lower. I haven't changed though.

Rebecca

Verified Purchase

My review

Reviewed in Virginia on January 3, 2026

Been flexible, very forward, and affordable.

Mario

Verified Review

Excellent

Reviewed in Virginia on December 30, 2025

Too expensive.

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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.

637

NAIC Index

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

0.59

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

Portsmouth is home to many military members and the Navy’s longest-running hospital, the Naval Medical Center Portsmouth. Started in 1830, the hospital continues to serve military members today.^[1]

Military members have unique needs, and GEICO is the best car insurance in Portsmouth for this population. GEICO offers a military discount of up to 15% and other discounts for emergency deployment and for certain memberships.

Pros

• Multiple military discounts available

• Optional mechanical breakdown insurance

Cons

• Below-average J.D. Power customer satisfaction rating in the Mid-Atlantic region

• Doesn’t offer gap insurance or rideshare insurance

How to get the cheapest car insurance in Portsmouth

To get cheap car insurance in Portsmouth, follow these tips:^[2]

• Bundle your policies. You typically get rewarded if you have more than one insurance policy with a company. So you can get an auto policy, renters insurance, homeowners insurance, or condo insurance to qualify for discounts.

• Compare quotes. Research many different options for car insurance in Portsmouth, and look at rates, reviews, the company websites, and customer service complaints.

• Drive safely. Maintaining a clean driving record is the best way to get low rates. Always wear your seat belt, avoid alcohol and substances when behind the wheel, drive the speed limit, and put your phone away.

Find Cheap Car Insurance in Portsmouth, Virginia

Liability-only rates start at $74 per month

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Cheapest liability-only car insurance in Portsmouth: Auto-Owners

Liability insurance is the most elemental type of auto insurance coverage. It covers only your liability if you cause an accident, paying out the other driver for injuries and damage. But liability insurance doesn’t reimburse you for any damage to your vehicle, which can put you in a tough place financially.

In Portsmouth, liability car insurance costs an average of $136 per month. Below, you can see the average cost for liability coverage in Portsmouth by insurance company.

The below rates in Portsmouth, VA, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
Auto-Owners	$74
State Farm	$75
USAA	$102
Mercury	$103
Elephant	$109
Chubb	$112
CSAA	$116
Erie	$116
National General	$129
Bristol West	$130
Nationwide	$132
Progressive	$133
GEICO	$135
Direct Auto	$141
Safeco	$152
GAINSCO	$152
Allstate	$159
Dairyland	$169
Root	$169
Liberty Mutual	$193
AssuranceAmerica	$195
The General	$201
Clearcover	$205
Travelers	$213

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

Cheapest full-coverage car insurance in Portsmouth: Auto-Owners

Drivers in Portsmouth who want to maximize their protection should consider full-coverage car insurance. When you get full coverage, you’re getting different types of insurance coverage that aim to fully protect you in a range of situations.

Full coverage generally includes liability coverage, collision coverage, and comprehensive coverage. This goes far beyond the basic protection liability insurance offers, which doesn’t cover you as the driver — only the other party.

Full-coverage car insurance in Portsmouth costs $212 per month, on average. Below are the cheapest options for full-coverage car insurance in Portsmouth.

The below rates in Portsmouth, VA, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
Auto-Owners	$120
State Farm	$122
Progressive	$163
USAA	$165
Elephant	$167
CSAA	$179
Chubb	$181
Erie	$188
Mercury	$199
GEICO	$201
Nationwide	$215
Safeco	$224
Bristol West	$233
Direct Auto	$235
National General	$236
Liberty Mutual	$253
Allstate	$258
Root	$264
GAINSCO	$309
Travelers	$346
AssuranceAmerica	$347
Clearcover	$352
The General	$376
Dairyland	$418

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

Car insurance requirements in Virginia

Virginia is an at-fault state, sometimes referred to as a tort state. This means the driver responsible for an accident must pay for the other parties’ injuries and vehicle damages. Dealing with financial loss and medical bills is a major concern for many people in the United States, and getting the right insurance policy can provide some protection.

The specific coverage limits required in the state increased on Jan. 1, 2025. The table below reflects the change in requirements:^[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

If you’d like additional protection beyond the state-required minimums, consider these coverage options:^[4]

• 

  Personal injury protection (PIP) coverage

   PIP insurance reimburses you for any medical expenses due to injuries from an accident.

• 

  Comprehensive coverage

  Comprehensive insurance provides protection if there’s damage to your vehicle from a range of events that aren’t collision-related, like theft, floods, and fires.

• 

  Collision coverage

  Whether you hit a pothole, another vehicle, or an object like a mailbox or pole, collision insurance will pay for any damages that result.

Cheapest car insurance for drivers with an incident

How much of a risk you are on the road affects your car insurance rates.^[5] If you have an incident on your record, that level of risk goes up — and so do your rates. Incidents can range from speeding tickets to at-fault accidents, moving violations, and driving under the influence (DUI) of alcohol or drugs.

The table below shows liability insurance quotes for Portsmouth drivers from top companies and how they differ by incident.

The below rates in Portsmouth, VA, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With Speeding Ticket	With At-Fault Accident	With DUI
Auto-Owners	$74	$97	$96	$101
State Farm	$75	$95	$98	$102
USAA	$102	$132	$135	$139
Mercury	$103	$144	$153	$148
Elephant	$109	$130	$140	$149
Chubb	$112	$142	$146	$153
CSAA	$116	$147	$167	$158
Erie	$116	$153	$151	$159
National General	$129	$161	$169	$176
Bristol West	$130	$164	$168	$177
Nationwide	$132	$171	$175	$180
Progressive	$133	$167	$171	$168
GEICO	$135	$177	$173	$183
Direct Auto	$141	$176	$189	$192
Safeco	$152	$201	$210	$223
GAINSCO	$152	$181	$191	$207
Allstate	$159	$207	$210	$217
Dairyland	$169	$211	$220	$231
Root	$169	$225	$222	$233
Liberty Mutual	$193	$246	$253	$263
AssuranceAmerica	$195	$248	$256	$266
The General	$201	$269	$273	$274
Clearcover	$205	$266	$294	$280
Travelers	$213	$277	$282	$291

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

Average cost of car insurance by age

Age and experience tend to go hand in hand, and teen drivers typically have the most expensive car insurance premiums because their limited experience and risk-taking behaviors behind the wheel make them more likely to be in an at-fault accident.^[6]

As drivers age and gain more experience, rates decrease, especially around age 35. Senior drivers enjoy lower car insurance rates but typically see increases around age 70 due to added risk factors, like decreases in vision and other age-related changes.

Here, you can see how car insurance rates change by age group for drivers in Portsmouth.

Age	Average Monthly Quote
Teens	$327
20s	$225
30s	$167
40s	$152
50s	$136
60s	$127
70s	$130

Disclaimer: Table data is based on real-time Portsmouth quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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Portsmouth car insurance quotes by credit tier

In Portsmouth, insurers can use a driver’s credit to create a credit-based insurance score, which can affect car insurance rates.

Virginia drivers with excellent or good credit have the lowest car insurance premiums, while drivers with poor credit pay the steepest rates.

Portsmouth car insurance FAQs