Cheapest Auto Insurance in Norfolk, Virginia (2024)
Auto-Owners, State Farm, and USAA offer the cheapest car insurance in Norfolk.
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Written byTheresa Stevens
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AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
Theresa is a writer and former financial advisor with experience helping clients solve money challenges. She uses her expertise to clarify complex personal finance concepts.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated November 21, 2024
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Table of contents
The average auto insurance policy in Norfolk costs $208 per month for full coverage and $122 for liability only. Located in the Hampton Roads region of Virginia at the mouth of Chesapeake Bay, Norfolk is home to around 233,000 people, the world’s largest naval base, and the North American headquarters for NATO.[1]
Because it’s on low-lying coastal land, Norfolk is vulnerable to flooding — particularly during periods of heavy rain, hurricanes, and nor’easters.[2] Norfolk’s risks of floods and other severe weather hazards contribute to its higher car insurance rates. Drivers in Norfolk typically pay more for car insurance than the statewide average of $142 per month.
Here’s what you need to know about comparing quotes and finding the best auto policy in Norfolk for your insurance needs.
Quick Facts
The overall cost of car insurance in Norfolk is $165 per month.
Norfolk drivers pay an average of $2,496 per year for full-coverage insurance.
Minimum car insurance requirements in Virginia are changing and increasing in 2024 and 2025.[3]
3 of the cheapest car insurance companies in Norfolk
Car insurance rates depend on various factors, including your motor vehicle record, ZIP code, age, and claims history. Though you may want to choose the cheapest coverage option you find, it’s important to prioritize buying a policy that provides the necessary protection for your specific needs.
Here are three of the best car insurance options for Norfolk drivers.
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 | 8.5 | $62 | $34 | Cheap rates |
| State Farm | 9.3 | $64 | $35 | Teen drivers |
| USAA | 9.4 | $86 | $47 | Military members |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 28,000 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 cheap rates: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| 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. | 8.5 /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. | $40/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. | $73/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.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
Established in 1916 and headquartered in Michigan, Auto-Owners sells auto, home, life, and business insurance. The company provides coverage to more than 3 million policyholders in 26 states through a distribution network of independent agents. Beyond standard auto coverages, Auto-Owners also offers road-trouble service, additional expense, loan or lease gap, diminished value, and rental auto gap coverage.
Pros
Cheap average rates in Norfolk
At least 13 advertised discounts
Cons
Poor average mobile app ratings
Quotes only available through an independent insurance agent
Best insurer for teen drivers: State Farm
| User Reviews | 4.2 |
|---|---|
| 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. | $40/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. | $74/mo |
4.2
Best choiceBased on 9040 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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
The largest auto insurance company by market share in the U.S., State Farm sells insurance products in 48 states and Washington, D.C., including auto, homeowners, pet, and life insurance. The company offers a few ways for young drivers to save on their auto insurance, including a good student discount and the Steer Clear telematics program.
Pros
Multiple available discounts for young drivers
A++ (Superior) financial strength rating from AM Best, the highest level possible
Cons
Doesn’t offer gap insurance
Accident forgiveness only available to long-time customers
Best insurer for military members: USAA
| User Reviews | 4.9 |
|---|---|
| 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. | 9.4 /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. | $53/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. | $100/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.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
Founded in 1922, USAA is the fifth-largest auto insurer by market share in the country. The company provides coverage for active-duty, veterans, and reserve military members, as well as their eligible family members. Beyond standard auto coverage offerings, USAA offers optional roadside assistance and car rental reimbursement coverage.
Pros
SafePilot telematics program offers savings of up to 30% to good drivers
Offers banking and investment products
Cons
Coverage restricted to members of the military community
Gap insurance not available
How to get the cheapest car insurance in Norfolk
You can’t immediately control all the factors that influence car insurance costs, but you can use the following tips to earn cheaper car insurance in Norfolk:
Increase your deductible. Your collision and comprehensive deductible is how much you need to pay out of pocket before your insurer kicks in to cover the rest of the claim. Increasing your deductible typically leads to lower premiums.
Shop around and compare quotes. Insurance rates can vary considerably between insurers due to each company’s underwriting criteria and methods of risk assessment. Requesting quotes from multiple insurers can help you find the best rates and coverage.
Make annual payments. Paying your insurance once a year instead of monthly may qualify you for a “pay-in-full” discount from your insurer. This can be an easy way to save money if you can swing the up-front payment.
Get Cheap Coverage in Norfolk
Liability rates start as low as $40/mo.
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Norfolk: Auto-Owners
If you cause a car accident, liability insurance helps cover the other driver’s medical expenses and vehicle repairs. It doesn’t cover any of your expenses from the accident, but it does cover legal fees if the other driver sues you.[4]
Though Virginia requires liability insurance for drivers, the minimum limits may not provide sufficient coverage in the event of an accident. Many drivers increase their liability coverage limits to minimize the risk of out-of-pocket expenses after an accident.
Norfolk drivers pay an average of $122 per month for liability coverage, but here are some of the cheapest options for liability-only car insurance in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $40 |
| State Farm | $40 |
| USAA | $53 |
| GEICO | $53 |
| Chubb | $59 |
| Erie | $62 |
| Clearcover | $67 |
| Nationwide | $70 |
| Mercury | $72 |
| Allstate | $84 |
| Progressive | $93 |
| Direct Auto | $103 |
| Elephant | $106 |
| National General | $110 |
| Travelers | $113 |
| CSAA | $124 |
| GAINSCO | $127 |
| Safeco | $134 |
| Dairyland | $142 |
| Bristol West | $145 |
| AssuranceAmerica | $156 |
| Liberty Mutual | $179 |
| The General | $186 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Norfolk: Auto-Owners
Full-coverage insurance refers to an auto policy that includes comprehensive coverage, collision coverage, and liability insurance. This policy type extends protection to your vehicle following a car accident or non-collision incident.
Unlike liability insurance, full coverage is generally optional. But if you finance or lease a vehicle, the lender will probably require you to carry a full-coverage policy.
Norfolk drivers pay an average of $208 per month for full coverage. Here are some of the cheapest full-coverage auto insurance options in Norfolk.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $73 |
| State Farm | $74 |
| USAA | $100 |
| GEICO | $100 |
| Chubb | $109 |
| Erie | $114 |
| Clearcover | $123 |
| Nationwide | $130 |
| Allstate | $156 |
| Mercury | $157 |
| Progressive | $171 |
| Elephant | $181 |
| CSAA | $189 |
| Direct Auto | $200 |
| Travelers | $209 |
| National General | $214 |
| Safeco | $216 |
| Bristol West | $274 |
| Liberty Mutual | $277 |
| GAINSCO | $287 |
| AssuranceAmerica | $296 |
| Dairyland | $327 |
| The General | $373 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Norfolk, Virginia
Drivers using Insurify have found quotes as cheap as $40/mo for liability only and $64/mo for full coverage in Norfolk and other Virginia cities.
*Quotes generated for Insurify users in and around Norfolk, Virginia within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Norfolk, Virginia within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Virginia
Virginia drivers used to be able to pay a $500 uninsured motorist fee instead of carrying coverage, but starting July 1, 2024, you need to buy a minimum amount of liability coverage.
The minimum limits for liability coverage will increase for policies that start in 2025. You can see the current and future requirements below.[3]
Coverage ▲▼ | Current Requirements ▲▼ | Policies Effective on or After Jan. 1, 2025 ▲▼ |
|---|---|---|
| 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 |
In addition to the state’s minimum coverage, you should consider the following coverage options for more vehicle protection:
Collision coverage
If a collision causes damage to your vehicle, collision insurance helps pay repair or replacement costs. It applies regardless of who caused the accident, or whether you collide with another vehicle or a stationary object like a tree or light pole. Collision also covers rollover accidents and damage from hitting a pothole.
Comprehensive coverage
Comprehensive insurance kicks in to cover your vehicle damage following a non-collision incident, including severe weather, theft, vandalism, fire, cracked windshields, or falling objects.
Gap coverage
If someone steals your car or you total your vehicle, gap insurance pays the difference between your vehicle’s value and the amount you owe on your loan or lease.
Roadside assistance coverage
Roadside assistance coverage provides various services to drivers who get stranded on the road. Common services include tows, fuel delivery, jump-starts, and flat-tire assistance.
Accident forgiveness
If you buy accident forgiveness coverage before getting into an accident, your insurer won't increase your rates when it's time to renew your policy. Insurify data shows that an at-fault accident can increase car insurance rates by 26% or more.
Virginia Automobile Insurance Plan
The Virginia Automobile Insurance Plan (VAIP) helps provide car insurance to high-risk drivers who have struggled to buy coverage on the regular car insurance market.
Eligibility for VAIP requires a valid Virginia driver’s license and a vehicle registered in the state. These plans tend to cost more than private insurance plans, so drivers typically turn here as a last option.
Cheapest car insurance for drivers with an incident
Having driving incidents on your record — such as at-fault accidents, speeding tickets, and driving under the influence (DUI) charges — can increase your car insurance costs. Drivers in Norfolk with an incident on their record pay $209 per month, on average.
Incidents on your record can signal to an insurer that you pose a greater risk to insure, so they may adjust your premium accordingly. The severity and frequency of your incidents can also affect your premium for several years.
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Exceeding the speed limit in Virginia may result in a fine of $6 per mile over the speed limit or more, depending on the circumstances around the speeding. For example, exceeding the speed limit in a school crossing zone costs $7 per mile over the speed limit.[5]
On average, Norfolk drivers with a speeding ticket pay $222 per month. Here are some of the cheapest monthly quotes for drivers with a speeding ticket in Norfolk.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $40 | $51 |
| State Farm | $40 | $50 |
| USAA | $53 | $67 |
| GEICO | $53 | $67 |
| Chubb | $59 | $76 |
| Erie | $62 | $81 |
| Clearcover | $67 | $86 |
| Nationwide | $70 | $90 |
| Mercury | $72 | $98 |
| Allstate | $84 | $107 |
| Progressive | $93 | $117 |
| Direct Auto | $103 | $131 |
| Elephant | $106 | $145 |
| National General | $110 | $140 |
| Travelers | $113 | $145 |
| CSAA | $124 | $161 |
| GAINSCO | $127 | $174 |
| Safeco | $134 | $173 |
| Dairyland | $142 | $180 |
| Bristol West | $145 | $185 |
| AssuranceAmerica | $156 | $198 |
| Liberty Mutual | $179 | $245 |
| The General | $186 | $241 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
In Virginia, insurers can increase your premium for three to five years if you cause a car accident — even if you’re only partially at fault. Rate increases after an at-fault accident can vary depending on your insurer and the severity of the incident. You should compare quotes from multiple companies to find the best price.
Drivers in Norfolk with an at-fault accident pay $230 per month for car insurance, on average. Here are some of the lowest average quotes for drivers in this category.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | With Clean Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $40 | $54 |
| State Farm | $40 | $53 |
| USAA | $53 | $71 |
| GEICO | $53 | $71 |
| Chubb | $59 | $79 |
| Erie | $62 | $84 |
| Clearcover | $67 | $96 |
| Nationwide | $70 | $94 |
| Mercury | $72 | $103 |
| Allstate | $84 | $112 |
| Progressive | $93 | $125 |
| Direct Auto | $103 | $140 |
| Elephant | $106 | $138 |
| National General | $110 | $146 |
| Travelers | $113 | $152 |
| CSAA | $124 | $171 |
| GAINSCO | $127 | $162 |
| Safeco | $134 | $177 |
| Dairyland | $142 | $187 |
| Bristol West | $145 | $193 |
| AssuranceAmerica | $156 | $203 |
| Liberty Mutual | $179 | $254 |
| The General | $186 | $252 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
In 2021, 6,749 alcohol-related car accidents in Virginia resulted in 4,224 injuries and 247 fatalities.[6] Penalties for a first DUI in Virginia include a one-year license revocation and a fine of at least $250. Additional offenses have harsher penalties.[7]
Due to the severity of the offense, insurers may choose not to renew coverage for someone with a DUI, or they charge much higher rates. They may even cancel your policy mid-term, based on the severity of the DUI. On average, Norfolk drivers with a past DUI pay $263 per month.
Here are some of the cheapest monthly quotes for drivers with a DUI in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | With Clean Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $40 | $65 |
| State Farm | $40 | $65 |
| USAA | $53 | $86 |
| GEICO | $53 | $86 |
| Chubb | $59 | $96 |
| Erie | $62 | $100 |
| Clearcover | $67 | $109 |
| Nationwide | $70 | $113 |
| Mercury | $72 | $108 |
| Allstate | $84 | $136 |
| Progressive | $93 | $151 |
| Direct Auto | $103 | $167 |
| Elephant | $106 | $172 |
| National General | $110 | $178 |
| Travelers | $113 | $183 |
| CSAA | $124 | $180 |
| GAINSCO | $127 | $206 |
| Safeco | $134 | $201 |
| Dairyland | $142 | $230 |
| Bristol West | $145 | $235 |
| AssuranceAmerica | $156 | $253 |
| Liberty Mutual | $179 | $290 |
| The General | $186 | $301 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Age is a major factor insurers look at when determining car insurance rates. Drivers between the ages of 25 and 70 tend to benefit from decreasing rates due to years of experience behind the wheel. Insurers may offer a discount to drivers older than 55 if they successfully complete a defensive driving course approved by the DMV. Ask your insurance agent for more information.
Drivers older than 70 might start to face slightly increased rates due to an increased risk of accidents. On average, senior drivers in Norfolk pay $130 per month for car insurance.
Here are some of the cheapest auto insurance quotes for senior drivers in Norfolk.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Auto-Owners | $56 | $31 |
| State Farm | $56 | $30 |
| USAA | $78 | $41 |
| Chubb | $78 | $42 |
| GEICO | $78 | $41 |
| Erie | $85 | $46 |
| Nationwide | $95 | $51 |
| Clearcover | $104 | $56 |
| Progressive | $120 | $65 |
| Mercury | $121 | $56 |
| Allstate | $122 | $66 |
| CSAA | $141 | $92 |
| Elephant | $144 | $85 |
| Direct Auto | $152 | $78 |
| National General | $160 | $82 |
| Travelers | $160 | $86 |
| Safeco | $180 | $112 |
| Bristol West | $215 | $114 |
| AssuranceAmerica | $218 | $115 |
| Liberty Mutual | $227 | $147 |
| GAINSCO | $235 | $104 |
| Dairyland | $255 | $111 |
| The General | $295 | $147 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
Teen drivers have the highest crash risk of any age group, according to the Centers for Disease Control and Prevention (CDC).[8] This, along with a lack of driving experience, contributes to insurers charging higher car insurance rates. Insurance companies can’t deny teens coverage solely based on their age, but they can charge higher premiums.
Norfolk teenagers pay $306 per month for car insurance, on average. Your teen can earn cheaper insurance in Norfolk by maintaining good grades to qualify for a good student discount, joining your existing auto insurance plan, and avoiding driving at night. Legally, teens younger than 18 can't buy their own car insurance policy unless they have written consent from a parent or guardian.
Here are some of the cheapest monthly quotes for Norfolk teens covered under their own policies.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Auto-Owners | $128 | $70 |
| State Farm | $133 | $72 |
| GEICO | $168 | $89 |
| USAA | $175 | $93 |
| Erie | $200 | $109 |
| Chubb | $217 | $118 |
| Clearcover | $236 | $128 |
| Nationwide | $237 | $128 |
| Allstate | $290 | $156 |
| Mercury | $290 | $133 |
| Elephant | $308 | $180 |
| Progressive | $313 | $170 |
| CSAA | $318 | $209 |
| Direct Auto | $381 | $196 |
| Travelers | $395 | $213 |
| Safeco | $433 | $269 |
| National General | $438 | $225 |
| Bristol West | $483 | $256 |
| Liberty Mutual | $497 | $321 |
| GAINSCO | $518 | $229 |
| Dairyland | $552 | $240 |
| AssuranceAmerica | $567 | $299 |
| The General | $621 | $310 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Norfolk car insurance quotes by credit tier
The state of Virginia allows insurers to consider your credit history when setting auto insurance rates. Generally, people with good credit scores pay less for car insurance, while drivers with bad credit scores pay more.[9]
Here are the average full-coverage rates for Norfolk drivers by credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Norfolk?
The average cost of full-coverage car insurance in Norfolk is $208 per month, which is similar to the national monthly average of $172 and higher than Virginia’s average of $184 per month.
Factors that may contribute to the rate differences in Virginia cities include accident rates, traffic density, severe weather risks, and repair costs. For example, drivers in Norfolk may face higher average rates than other drivers in Virginia due to flood risks in the low-lying coastal area.
More cities in Virginia
Car insurance premiums are higher in Norfolk than in many other Virginia cities, including Arlington, Alexandria, and Virginia Beach. Drivers in Richmond, the state capital, pay higher rates than Norfolk residents on average.
Here’s how other cities in Virginia compare to Norfolk in terms of average car insurance rates.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Alexandria | $208 | $119 |
| Arlington | $191 | $107 |
| Charlottesville | $158 | $86 |
| Chesapeake | $191 | $113 |
| Lynchburg | $161 | $90 |
| Richmond | $212 | $123 |
| Roanoke | $162 | $91 |
| Virginia Beach | $184 | $106 |
| Woodbridge | $218 | $124 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Norfolk car insurance FAQs
Before you start shopping around for car insurance quotes, you should decide how much coverage you need. The following information should help you navigate the process of finding cheap car insurance in Norfolk.
How much is car insurance in Norfolk?
The overall cost of car insurance in Norfolk is $165 per month. On average, drivers pay $122 per month for liability coverage and $208 for full-coverage insurance. Your specific premium depends on your driving record, age, chosen coverage, and more.
What are the best car insurance companies in Norfolk?
With an Insurify Quality (IQ) Score of 9.3 out of 5, an A++ (Superior) financial strength rating from AM Best, and solid customer and claims satisfaction ratings from J.D. Power, State Farm is the best car insurance company in Norfolk. Other top insurers include Auto-Owners and USAA.
What are the cheapest car insurance companies in Norfolk?
Auto-Owners, State Farm, and USAA are the cheapest liability insurance companies in Norfolk, with rates starting at $40, $40, and $53 per month, respectively.
How much is car insurance in Virginia per month?
In Virginia, drivers pay $101 per month for liability coverage and $184 for full-coverage insurance. The overall cost of insurance in the state is $142. Drivers in Norfolk pay more on average per month than the statewide average for car insurance.
Is it illegal not to have car insurance in Virginia?
Yes. Starting July 1, 2024, Virginia will require drivers to carry minimum liability insurance. This is an update to the former requirements, which allowed drivers to choose between liability insurance or paying a $500 uninsured motorist fee.
What is the minimum car insurance in Virginia?
The minimum amount of car insurance required in Virginia includes $30,000 per person and $50,000 per accident in bodily injury liability and $20,000 per person in property damage liability.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Virginia
Sources
- U.S. Census Bureau. "QuickFacts: Norfolk city, Virginia."
- The City of Norfolk. "Flooding Awareness & Mitigation."
- Virginia Department of Motor Vehicles. "Insurance Requirements."
- III. "Auto insurance basics—understanding your coverage."
- Supreme Court of Virginia. "Rule 3B:2. Uniform Fine Schedule.."
- Virginia Department of Forensic Science. "Virginia Alcohol-Related Motor Vehicle Statistics (Calendar Years 1996-2021)."
- Virginia Department of Motor Vehicles. "Virginia is Tough on Drunk and Drugged Drivers."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- Commonwealth of Virginia State Corporation Commission. "Insurance Credit Scoring: How It Affects Your Automobile and Homeowners Insurance."
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Theresa Stevens
Theresa Stevens is a personal finance writer based in Boston, Massachusetts. Her work has been featured in Forbes Advisor, Bankrate, and more. As a former financial advisor, she has first-hand experience helping people solve their money challenges. When she's not writing, you'll find her trying out new karaoke spots or planning her next trip abroad.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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