Cheap Auto Insurance Quotes in Portsmouth, VA (2023)

Drivers in Portsmouth know all about traffic and tunnels. The downtown tunnel between Norfolk and Portsmouth carries more than three million vehicles per month. That’s three million people on the road to watch out for.

Hitting traffic at the wrong time and driving with iffy insurance through the tunnel is something drivers do daily. While staying tuned in to tunnel traffic updates is wise, taking to the streets without adequate auto insurance is not.

Car Insurance in Portsmouth, VA

The average cost of Virginia car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Portsmouth, VA to find you the cheapest quotes in the area.

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• Cheap Car Insurance Virginia

• Compare Car Insurance

Cheapest Car Insurance in Portsmouth, VA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Portsmouth, VA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Portsmouth. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in Virginia

Portsmouth Car Insurance Rates by Driver Age

Hardworking teens might be able to squeak out a car insurance payment at $413 per month, with perhaps a little help from mom and dad. In the Old Dominion, the price tends to go down as the number of years behind the wheel increases. That’s why people in their 20s see an immediate more than $150 price cut over the teenage drivers. From there, the prices continue to slide down, with almost everyone paying below or slightly above the state average of $207. Those in their 80s pay $145 per month, a price over $250 cheaper than what the youngest drivers spend.

Portsmouth Car Insurance Rates by Driving and Accident History

In Virginia, being a safe driver pays in more than one way. Drivers get peace of mind and price breaks from insurance companies, specifically the “good driver” and “accident-free” discounts. An at-fault fender bender brings an end to the sweet price and pops the rate up over $75 per month. Drivers who are late to work or school should still follow the posted speed limit to avoid a rate increase of $90. The good news is three years of careful driving qualifies drivers for the rates they earned before tickets or accidents.

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• High-risk Car Insurance Virginia

• DUI Car Insurance Virginia

Portsmouth Car Insurance Rates by Credit Tier

Virginians wonder why a late Visa payment could bump up their car insurance premiums. Just like most states, Virginia allows insurance companies to use credit when deciding rates. Generally, the worse the credit, the more drivers shell out monthly; but why do people with good credit pay less than those with excellent credit? People with better credit often finance costlier cars with higher coverage levels to protect their assets. That said, moving from poor credit to good credit saves $17 per month, or over $200 per year.

See More: Bad Credit Car Insurance Virginia

Find local Portsmouth agents

Portsmouth, VA DMV Information

In Portsmouth and have a DMV errand? The Virginia Department of Motor Vehicles is your go-to place for all things vehicle- and licensing-related. While you can visit any location in the state, the closest DMV location is at 6400 Bickford Parkway. Office hours are Monday through Friday 8 a.m. to 6 p.m. and Saturday 8 a.m. to 12 p.m. Don’t want to leave the comfort of home? Online services are also offered. The DMV also has mobile locations and select partners standing by to administer many DMV transactions.

Public Transportation in Portsmouth, VA

While most people get around town using their own vehicles, even non-drivers can easily get around here. Hampton Roads Transit (HRT) is the face of public transportation in Portsmouth, delivering people to their destinations by bus, rail, and ferry. All of HRT’s modes of transportation are ADA-accessible. Can’t wait around? On-demand services are also an option, from Uber and Lyft to traditional taxis. Though bikeshare was previously offered, as of March 2020 the service was suspended.

For more detailed Virginia city level guides, check out these below.

• Average Cost of Car Insurance Rates in Virginia

• DUI Car Insurance Rates in Virginia

• High-Risk Driver Car Insurance Rates in Virginia

• Virginia Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Virginia

• SR-22 Insurance in Virginia

How to get the best and cheapest car insurance in Portsmouth, VA

While skipping out on auto insurance is an option in Virginia, it leaves you and your family financially unprotected.

One in 10 drivers in this state is uninsured—and potentially one driving mistake from drowning in debt. Being without solid auto insurance is something you can correct quickly. Insurify is the easiest way to take action, get cheap rates, and get the coverage you are looking for.