Cheap Auto Insurance Quotes in Portsmouth, VA (2021)

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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.

Quotes by Top Carriers
Quotes ($/mo)
$57
$66
$75
$89
$117
AllstateProgressiveState FarmGEICOTravelers
Monthly $

Cheapest Car Insurance in Portsmouth, VA

Here are the cheapest carriers in Portsmouth for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

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 carrier reviews. The following are the top rated carriers that offer car insurance in Portsmouth. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$126
$114
$134
$150
$124
$106
VirginiaVirginia BeachNorfolkChesapeakeRichmondPortsmouth
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Portsmouth, VA Driving Facts

virginia

Minimum Car Insurance Requirements in VA

In Virginia, motorists are required to purchase liability insurance in the following minimum coverage limits:

  • $25,000 for bodily injury or death of one person
  • $50,000 for bodily injury or death of two+ people
  • $20,000 for property damage liability

Proof of insurance should be kept in the vehicle at all times. This can be in the form of an insurance card or policy declaration page. And while lawyers and police officers may disagree about whether carrying proof of insurance is a law, your best bet is to comply with the recommendations of the DMV. 

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.

Driving History
No Violation$197
Speeding Ticket$287
At-Fault Accident$273
Failure to Stop for Red Light / Stop Sign$210

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.

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.

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.

Conclusion: 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.

Find local Portsmouth agents

The Young Ins Agcy Grp 
2865 B Airline Blvd, Portsmouth, VA 23701
Bankers Ins Portsmouth 
457 Court St, Portsmouth, VA 23704-3603
All Risk Ins Agcy 
2860 Airline Blvd, Portsmouth, VA 23701
Direct Auto Insurance
4500 Portsmouth Blvd, Portsmouth, VA 23701
Direct Auto Insurance
3574 Towne Point Rd, Portsmouth, VA 23703
Young Insurance
2865 Airline Blvd, Portsmouth, VA 23701
All Risk Insurance
2860 Airline Blvd, Portsmouth, VA 23701
Atlantic Charter Insurance Group
5599 Portsmouth Blvd, Portsmouth, VA 23701
Ned Loyd: Allstate Insurance
600 Loudoun Ave, Portsmouth, VA 23707
'Al Vincent''s Insurance'
4500 Portsmouth Blvd, Portsmouth, VA 23701

Insurify Insights: How Portsmouth Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Portsmouth, VA
suspended licenses
#6
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Portsmouth drivers measure up to their fellow Virginia motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Portsmouth

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Portsmouth drivers rank 19 in the number of car accidents per driver across all cities in Virginia.

  • Rank within state: #19
  • Percent of drivers in Portsmouth with an accident: 11.97%
  • Drivers in Portsmouth, VA with an accident in their driving history paid on average 46.67% more than drivers with a clean record

Speeding Portsmouth

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Virginia, Portsmouth drivers rank 34 in the number of speeding infractions per driver.

  • Rank within state: #34
  • Percent of drivers in Portsmouth with a speeding ticket: 13.66%
  • Drivers in Portsmouth, VA with a speeding ticket in their driving history paid on average 35% more than drivers with a clean record

DUI/DWIs Portsmouth

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Portsmouth drivers rank 42 in the number of DUI’s per driver across all cities in Virginia.

  • Rank within state: #42
  • Percent of drivers in Portsmouth with a DUI: 1.31%
  • Drivers in Portsmouth, VA with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle Portsmouth

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Portsmouth is the Honda Accord.

Rude Portsmouth

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Virginia, Portsmouth drivers rank 5 in rude driving infractions.

  • Rank within state: #5
  • Percent of drivers in Portsmouth with a reckless driving violation: 4.21%
  • Drivers in Portsmouth, VA with a reckless driving violation in their driving history paid on average 46.11% more than drivers with a clean record.

Safest Drivers Portsmouth

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Portsmouth drivers rank 13 in clean driving records across all cities in Virginia.

  • Rank within state: #13
  • Percent of drivers in Portsmouth with clean record: 75.12%

Failure to Yield the Right of Way Portsmouth

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Portsmouth drivers rank 9 in failure to yield violations per driver across all cities in Virginia.

  • Rank within state: #9
  • Percent of drivers in Portsmouth with a failure to yield violation: 1.03%
  • Drivers in Portsmouth, VA with a failure to yield violation in their driving history paid on average 1000% more than drivers with a clean record

Reckless Drivers Portsmouth

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Virginia, Portsmouth drivers rank 16 in the number of reckless driving offenses per driver.

  • Rank within state: #16
  • Percent of drivers in Portsmouth with a reckless driving offense: 0.37%

Hybrid/Electric Vehicle Ownership Portsmouth

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Portsmouth drivers rank 45 in hybrid and electric vehicle ownership across all cities in Virginia.

  • Rank within state: #45
  • Percent of drivers in Portsmouth with a hybrid/electric vehicle: 0.14%

FAQs - Portsmouth, VA Car Insurance

What is liability insurance?

There are several reasons to have insurance. Not only is there insurance to handle the situation when things happen to you, insurance also protects the people and property around you. Liability insurance is a kind of insurance that takes care of other people and their property. Examples of this include bodily injury liability (BI) and property damage liability (PD). Each state sets its own minimum liability requirements.

Do I have to have auto insurance in Virginia?

Believe it or not, you aren’t legally required to have auto insurance in Virginia as long as you pay an uninsured motorist fee of $500 per year. While this option seems like the easy way out in terms of cost-cutting, remember that this leaves you with absolutely no insurance to take care of medical costs or damages if you get in an accident.

What is UM/UIM coverage?

UM/UIM (or uninsured/underinsured motorist coverage) are coverages required in Virginia on top of the minimum liability coverages you are required to carry. While the minimum liability coverages make sure you have money to pay in case you cause an accident, uninsured/underinsured motorist coverage protects you and your property.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.