Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Old Dominion State.
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.
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.
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.
| Cheapest Companies | |
|---|---|
 Allstate | $57/mo |
 Progressive | $66/mo |
 State Farm | $75/mo |
 GEICO | $89/mo |
 Travelers | $117/mo |
| Best Companies | ||
|---|---|---|
 American Family | $207/mo | |
 Liberty Mutual | $204/mo | |
 Mercury | $218/mo | |
Travelers | $152/mo | |
 National General | $186/mo |
Virginia Cities | |
|---|---|
| Virginia Beach | $114/mo |
| Norfolk | $134/mo |
| Chesapeake | $150/mo |
| Richmond | $124/mo |
| Portsmouth | $106/mo |
| Virginia | $126/mo |
Click here to learn about car insurance quotes and save on your current policy.
In Virginia, motorists are required to purchase liability insurance in the following minimum coverage limits:
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.
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.
| Driver's Age | |
|---|---|
| teens | $413 |
| 20s | $248 |
| 30s | $218 |
| 40s | $157 |
| 50s | $181 |
| 60s | $174 |
| 70s | $228 |
| 80s | $146 |
| Driving History | |
|---|---|
| No Violation | $197 |
| Speeding Ticket | $287 |
| At-Fault Accident | $273 |
| Failure to Stop for Red Light / Stop Sign | $210 |
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.
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.
| Credit Tie | |
|---|---|
| Excellent | $225 |
| Good | $201 |
| Average | $213 |
| Poor | $218 |
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
