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Cheap Auto Insurance Quotes in Suffolk, VA (June 2022)

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Car Insurance in Suffolk, 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 Suffolk, VA to find you the cheapest quotes in the area.

Quick Facts

  • The average cost of car insurance in Suffolk is $178 per month, or $2136 annually.
  • Car insurance in Suffolk is $1 more than the average cost of car insurance in Virginia.
  • The cheapest car insurance provider in Suffolk on average is Metromile, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Allstate
$57
State Farm
$61
Travelers
$118
The General
$206

Cheapest Car Insurance in Suffolk, 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!
Insurance Provider in SuffolkQuotes
Allstate$57 /mo
State Farm$61 /mo
Travelers$118 /mo
The General$206 /mo

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Average Car Insurance Cost

Virginia Cities
Virginia Beach$114/mo
Norfolk$134/mo
Chesapeake$150/mo
Richmond$124/mo
Suffolk$111/mo
Virginia$127/mo
Suffolk
$111
Virginia Beach
$114
Richmond
$124
Average for VA
$127
Norfolk
$134
Chesapeake
$150
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Virginia

Virginia does not require automobile insurance, offering drivers to pay an Uninsured Motor Vehicle fee in lieu of coverage.

If you do choose to purchase insurance, the minimum liability insurance requirements for private passenger vehicles in Virginia[1] are:

  • $30,000 per person for bodily injury
  • $60,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Virginia is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $20,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

FAQs - Suffolk, VA Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Suffolk Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Suffolk, Virginia below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Suffolk drivers measure up to their fellow motorists across Virginia in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Accord

Most Popular Car in Suffolk

#4

City with the Most Speeding Tickets Rank in Virginia

#4

City with the Most Moving Violations Rank in Virginia

#18

City with the Most DUIs Rank in Virginia

#30

City with the Most Suspended Licenses in Virginia

  • 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. Suffolk drivers rank 33 in the number of car accidents per driver across all cities in Virginia.

    • Rank within state: #33
    • Percent of drivers in Suffolk with an accident: 10.82%
    • Drivers in Suffolk, VA with an accident in their driving history pay on average 33.33% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Virginia, Suffolk drivers rank 4 in the number of speeding infractions per driver.

    • Rank within state: #4
    • Percent of drivers in Suffolk with a speeding ticket: 16.96%
    • Drivers in Suffolk, VA with a speeding ticket in their driving history pay on average 34.55% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Suffolk drivers rank 18 in the number of DUI’s per driver across all cities in Virginia.

    • Rank within state: #18
    • Percent of drivers in Suffolk with a DUI: 2.05%
    • Drivers in Suffolk, VA with a DUI in their driving history pay on average 3.64% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Suffolk 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, Suffolk drivers rank 19 in rude driving infractions.

    • Rank within state: #19
    • Percent of drivers in Suffolk with a reckless driving violation: 3.07%
    • Drivers in Suffolk, VA with a reckless driving violation in their driving history pay on average 47.88% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Suffolk drivers rank 17 in clean driving records across all cities in Virginia.

    • Rank within state: #17
    • Percent of drivers in Suffolk with clean record: 74.85%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Suffolk drivers rank 17 in failure to yield violations per driver across all cities in Virginia.

    • Rank within state: #17
    • Percent of drivers in Suffolk with a failure to yield violation: 0.88%
    • Drivers in Suffolk, VA with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
  • 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, Suffolk drivers rank 20 in the number of reckless driving offenses per driver.

    • Rank within state: #20
    • Percent of drivers in Suffolk with a reckless driving offense: 0.29%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Suffolk drivers rank 30 in hybrid and electric vehicle ownership across all cities in Virginia.

    • Rank within state: #30
    • Percent of drivers in Suffolk with a hybrid/electric vehicle: 0.89%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn
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Content Specialist at Insurify

Olivia Oksenhorn is a content specialist at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

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Sources

  1. Virginia Department of Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022