The Cheapest Auto Insurance Companies in Norfolk, Virginia, in 2026
Auto-Owners has the cheapest car insurance in Norfolk, with rates starting at $74 per month.
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Written byErin Gobler
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Erin GoblerPersonal Finance Writer
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Edited byMatthew Gross
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Matthew GrossEditor
Updated
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Drivers in Norfolk, Virginia, pay an average of $187 per month for auto insurance. Rates in the city typically are higher than the state and national averages, but you can still find affordable coverage.
Auto-Owners and State Farm have some of the cheapest premiums in Norfolk. But make sure to get personalized quotes from multiple companies to find the cheapest rates for you.
In this guide, we’ll share the cheapest insurers in Norfolk for a variety of different driver profiles to help you shop for the best policy.
Key Takeaways
Auto-Owners has the cheapest car insurance in Norfolk, at $74 per month.
Norfolk drivers pay an average of $144 per month for liability insurance and $230 for full coverage.
Virginia recently increased its insurance limits and now requires 50/100/25 of liability coverage.
The Cheapest Car Insurance Companies in Norfolk, Virginia
When you’re shopping for car insurance, price is usually top of mind. The cheapest company for you depends on your driving history and personal factors, but some companies stand out as having the best rates in Norfolk.
The table below shows the cheapest car insurance companies in Norfolk and their average monthly premiums, according to Compare.com data.
The below rates in Norfolk, VA, are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.
Company  | Average Monthly Premium |
|---|---|
| Auto-Owners | $74 |
| State Farm | $75 |
| USAA | $101 |
| CSAA | $110 |
| Chubb | $111 |
| Mercury | $112 |
| Erie | $115 |
| Elephant | $117 |
| Nationwide | $131 |
| GEICO | $136 |
| National General | $137 |
| Bristol West | $140 |
| Progressive | $141 |
| Direct Auto | $151 |
| GAINSCO | $151 |
| Safeco | $153 |
| Allstate | $158 |
| Insurify Car | $172 |
| AssuranceAmerica | $182 |
| Liberty Mutual | $183 |
| Dairyland | $185 |
| Trexis | $187 |
| The General | $193 |
| Root | $194 |
| Travelers | $211 |
| Trexis One | $211 |
| Clearcover | $213 |
| Hugo | $229 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Wednesday, June 24 at 5:00 PM PDT.
Cheapest Car Insurance in Norfolk by Driver and Coverage Type
Insurance companies use many rating factors to determine car insurance rates, including your location, driving history, and age. Generally speaking, the higher your risk of filing a claim, the more you’ll pay for insurance.
You won’t know what you’ll pay without getting a personalized auto insurance quote. But you can check average rates for drivers similar to you, whether you’re shopping for liability-only coverage, are a teen driver, or have a speeding ticket on your record.
The table below highlights the cheapest insurer for various driver and coverage types, according to Compare.com data.
Driver or Coverage Type | Cheapest Insurer | Average Monthly Premium |
|---|---|---|
| Liability only | Auto-Owners | $74 |
| Full coverage | Auto-Owners | $131 |
| Teens | Auto-Owners | $153 |
| Seniors | Auto-Owners | $59 |
| Recent speeding ticket | Auto-Owners | $95 |
| Recent at-fault accident | Auto-Owners | $98 |
| DUI conviction | Auto-Owners | $95 |
| Excellent credit | Auto-Owners | $58 |
| Poor credit | Auto-Owners | $111 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
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State-minimum car insurance is the amount of coverage state law requires you to have to drive legally. In most states, this refers to liability-only insurance, which pays for bodily injuries and property damage to other drivers. But it doesn’t cover your injuries or damage to your vehicle.
Drivers in Norfolk pay an average of $144 per month for minimum-coverage car insurance. Liability insurance is generally best for drivers who can afford to cover damages out of pocket or with low-value vehicles. But because minimum coverage provides so little protection, it’s not the best option for most drivers.
In the table below, you’ll find the cheapest insurers for state-minimum coverage in Norfolk, based on Compare.com data.
The below rates in Norfolk, VA, are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.Cheapest Liability Rates by Company
CompanyAverage Monthly PremiumAuto-Owners $74 State Farm $75 USAA $101 CSAA $110 Chubb $111 Mercury $112 Erie $115 Elephant $117 Nationwide $131 GEICO $136 National General $137 Bristol West $140 Progressive $141 Direct Auto $151 GAINSCO $151 Safeco $153 Allstate $158 Insurify Car $172 AssuranceAmerica $182 Liberty Mutual $183 Dairyland $185 Trexis $187 The General $193 Root $194 Travelers $211 Trexis One $211 Clearcover $213 Hugo $229 Full-coverage insurance offers more protection than liability-only coverage. Rather than paying for damages for only other drivers, full coverage also pays for damage to your vehicle. It typically includes both collision coverage and comprehensive coverage.
Full coverage costs an average of $230 per month in Norfolk. But it’s a better option for most drivers compared to minimum coverage.
The table below shows the cheapest insurers in Norfolk for full-coverage car insurance, according to our data.
The below rates in Norfolk, VA, are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.Cheapest Full-Coverage Rates by Company
CompanyAverage Monthly PremiumAuto-Owners $131 State Farm $135 CSAA $172 Elephant $176 USAA $181 Progressive $185 Chubb $197 Mercury $204 Erie $206 GEICO $228 Safeco $228 Nationwide $234 Bristol West $241 National General $254 Liberty Mutual $262 Direct Auto $267 Allstate $282 Root $294 AssuranceAmerica $304 GAINSCO $327 Trexis $352 Travelers $378 Clearcover $415 The General $415 Dairyland $435 Trexis One $446 Teen drivers pay some of the highest car insurance rates. Younger drivers are more likely to get in accidents and have risky driving habits, like speeding and driving at night, according to the Insurance Institute for Highway Safety. Their general lack of driving experience also puts them at higher risk of accidents.[1]
Teens in Norfolk pay an average of $355 per month for car insurance. The good news is that even with a teen on your policy, you can find affordable rates.
Check the table below for the cheapest insurers for teen drivers in Norfolk, according to Compare.com data.
The below rates in Norfolk, VA, are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.Cheapest Rates for Teens
CompanyAverage Monthly PremiumState Farm $148 Auto-Owners $153 USAA $190 CSAA $208 Mercury $209 Elephant $215 Erie $216 Chubb $232 GEICO $251 Bristol West $253 Nationwide $260 Progressive $268 GAINSCO $273 National General $278 Direct Auto $300 Root $301 Safeco $316 Allstate $318 Insurify Car $327 Liberty Mutual $327 Dairyland $329 Trexis $355 The General $356 Clearcover $358 AssuranceAmerica $384 Trexis One $401 Hugo $433 Travelers $446 While teens pay some of the highest insurance rates, seniors pay some of the lowest rates. Older drivers tend to have decades of driving experience, which puts them at a lower risk of being involved in accidents.
Norfolk seniors pay an average of $163 per month for car insurance. But even with these already low rates, it’s still important to shop around.
The table below shows the cheapest insurers for senior drivers in Norfolk, according to our data.
The below rates in Norfolk, VA, are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.Cheapest Rates for Seniors
CompanyAverage Monthly PremiumAuto-Owners $59 State Farm $59 USAA $82 CSAA $83 Chubb $84 Erie $88 Mercury $89 Elephant $96 Nationwide $101 National General $108 GEICO $108 Bristol West $117 Progressive $123 Direct Auto $124 Allstate $129 GAINSCO $130 Safeco $134 AssuranceAmerica $143 Insurify Car $150 Liberty Mutual $153 Dairyland $157 Trexis $163 The General $165 Travelers $169 Root $179 Trexis One $184 Clearcover $189 Hugo $199 A speeding ticket usually increases your rates because it indicates to your insurance company that you’re a higher-risk driver. Drivers with a speeding ticket on their record pay an average of $229 per month for car insurance in Norfolk.
You can avoid major rate hikes by switching to an insurer better suited for drivers with tickets on their record. The table below shows the cheapest insurers for Norfolk drivers with a ticket, according to Compare.com data.
The below rates in Norfolk, VA, are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.Cheapest Rates With a Ticket
CompanyAverage Monthly PremiumState Farm $94 Auto-Owners $95 USAA $129 Chubb $140 Elephant $140 CSAA $142 Erie $150 Mercury $153 Nationwide $168 National General $169 Progressive $172 Bristol West $175 GEICO $176 GAINSCO $179 Direct Auto $188 Safeco $199 Allstate $203 Insurify Car $210 Dairyland $227 Trexis $229 Root $229 AssuranceAmerica $229 Liberty Mutual $231 The General $256 Trexis One $258 Clearcover $268 Travelers $271 Hugo $289 An at-fault accident often costs your insurance company money and shows that you’re more at risk of future accidents. As a result, you can expect your rates to spike after an accident. Some insurers also increase your rates after accidents where you weren’t at fault, but that’s not true for every company.
In Norfolk, the average premium for drivers with a recent accident is $229 per month.
The insurers in the table below have the cheapest rates for drivers with a recent accident, according to our data.
The below rates in Norfolk, VA, are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.Cheapest Rates With an Accident
CompanyAverage Monthly PremiumAuto-Owners $98 State Farm $99 USAA $135 Chubb $147 Elephant $152 Erie $153 CSAA $155 Mercury $167 Nationwide $176 GEICO $178 National General $182 Progressive $184 Bristol West $184 GAINSCO $192 Direct Auto $205 Allstate $211 Safeco $212 Insurify Car $224 AssuranceAmerica $240 Liberty Mutual $242 Root $242 Dairyland $243 Trexis $244 The General $264 Trexis One $275 Travelers $283 Clearcover $301 Hugo $302 A driving under the influence (DUI) conviction usually has the most significant effect on your rates of any traffic violation. In fact, a DUI can more than double your car insurance rates.
Drivers in Norfolk with a DUI on their record pay an average of $235 per month for car insurance. But by switching to an insurer that specializes in high-risk drivers, you could limit your rate increase.
The table below lists the cheapest companies for Norfolk drivers with a DUI conviction, according to Compare.com data.
The below rates in Norfolk, VA, are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.Cheapest Rates With a DUI
CompanyAverage Monthly PremiumAuto-Owners $95 State Farm $101 USAA $137 CSAA $149 Chubb $150 Erie $156 Elephant $158 Mercury $161 Nationwide $177 Progressive $178 GEICO $183 National General $185 Bristol West $189 Direct Auto $204 GAINSCO $204 Allstate $214 Insurify Car $217 Safeco $221 Trexis $235 AssuranceAmerica $246 Liberty Mutual $247 Dairyland $250 The General $252 Root $262 Trexis One $266 Clearcover $277 Travelers $285 Hugo $310 Many insurance companies use credit history as a risk indicator. They may see someone with poor credit as more likely to file an insurance claim. Virginia allows insurers to consider your credit when setting insurance rates, so you could pay more for coverage if you have poor credit.[2]
The average rate for a driver with poor credit in Norfolk is $233 per month. But some companies offer affordable coverage, regardless of your credit.
Check out the table below for Norfolk’s cheapest insurers for drivers with poor credit, according to Compare.com data.
The below rates in Norfolk, VA, are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.Cheapest Rates With Bad Credit
CompanyAverage Monthly PremiumState Farm $108 Auto-Owners $111 USAA $124 CSAA $136 Mercury $137 Elephant $144 Nationwide $162 GEICO $168 Erie $168 National General $169 Bristol West $173 Progressive $176 Chubb $176 Direct Auto $186 GAINSCO $186 Safeco $189 Allstate $195 Insurify Car $214 Liberty Mutual $219 AssuranceAmerica $225 Dairyland $228 Trexis $233 The General $238 Root $239 Travelers $260 Trexis One $263 Clearcover $263 Hugo $283
Our Picks for the Best Auto Insurance in Norfolk
There’s no single best car insurance for everyone. Different drivers have unique insurance needs, budgets, and preferences. We chose these three companies as some of Norfolk’s best insurers due to their average rates, available discounts, customer ratings and reviews, and the coverages they offer in Virginia.
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| 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. | $75/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. | $135/mo |
4.0
Best choice in Norfolk, VABased on 879 verified guest reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about State Farm
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 335 State Farm reviews
Verified Review
Reviewed in Georgia on June 29, 2026
I have thoroughly enjoyed working with this office and the employees.
Verified Review
Reviewed in South Carolina on June 17, 2026
Price creep is a thing, and stay aware of discounts ending, etc.
Verified Review
Reviewed in Illinois on June 16, 2026
When I decided to change, I appreciated all of the help that I received so that I understood the extent of my insurance plan for my home and my vehicle. I greatly appreciated that.
…
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
652
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
AM Best
AM 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
State Farm is the largest auto insurer in the U.S., representing nearly 20% of the market.[3] It has some of the cheapest rates in Virginia for most drivers. The company consistently ranks well for customer service and has fewer-than-average complaints with the National Association of Insurance Commissioners (NAIC).[4]
While State Farm has fewer discounts than many other insurers, the company’s Drive Safe & Save telematics program offers savings for safe driving habits.
Pros
Cheap rates for most Virginia drivers
High customer satisfaction rating in Mid-Atlantic region[5]
Telematics program saves safe drivers money
Cons
Fewer discounts than many insurers
Gap insurance not available
Accident forgiveness not available
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.1 /5 |
| 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. | $74/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. | $131/mo |
4.3
Best choice in Norfolk, VABased on 14 verified guest reviews and ratings
Auto-Owners Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 3.7 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.5 | 2.9 |
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
AM Best
AM 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
Auto-Owners has some of the cheapest rates in Virginia. It’s particularly great for high-risk drivers, because it may not increase your rates as much due to a traffic violation.
The company has a solid list of coverage options, including gap insurance, accident forgiveness, and a common loss deductible for homeowners insurance and auto insurance. It’s especially great if you want personalized service, because it has a large network of local independent insurance agents.
Pros
Cheap insurance for most Virginia drivers
Above-average claims satisfaction rating[6]
Many coverage options available
Cons
Quotes not available online
No safe driver discounts or telematics program
Poorly rated mobile app
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.2 /5 |
| 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. | $115/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. | $206/mo |
4.2
Best choice in Norfolk, VABased on 19 verified guest reviews and ratings
Erie Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.5 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 2.7 | 2.9 |
| Policy transparency | 4.5 | 3.1 |
| Value | 3.8 | 2.9 |
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
713
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not rated
AM Best
AM 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).
Not rated
Why we picked this company
Erie ranks No. 1 in both customer and claims satisfaction by J.D. Power. While the company doesn’t allow you to buy your car insurance policy online, it does have a large network of local independent agents to help.
Erie also stands out with its unique coverage and discount options. You can customize your policy with additional coverages like rideshare and new and better car replacement.
Some of Erie’s savings opportunities include first accident forgiveness and diminishing deductibles. The company’s rate lock feature prevents your rate from increasing until you make certain changes to your policy, even if you file a claim.
Pros
Top-rated customer and claims satisfaction in the Mid-Atlantic region
Many available coverages
Various discounts available
Cons
Can’t sign up for insurance online
Higher rates than some insurers
No safe driver discount
Find the Best Company for You
Local rates start as low as $74 per month.
Excellent
4.6 out of 5 based on 729 reviews
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Virginia Auto Insurance Requirements
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The state of Virginia requires all drivers to meet the minimum insurance requirements before they can purchase license plates.[7] Starting Jan. 1, 2025, Virginia increased its insurance requirements to include:
$50,000 per person and $100,000 per accident of bodily injury liability insurance
$25,000 per accident of property damage liability insurance
$30,000/$60,000/$20,000 of uninsured/underinsured motorist coverage (UM/UIM)[8]
If you drive without insurance, the state will suspend your vehicle registration and driving privileges. To reinstate them, you’ll need to pay a $600 non-compliance fee, a potential reinstatement fee, and maintain an SR-22 for three years.
Is minimum coverage enough in Norfolk?
You don’t technically have to purchase more than the state’s minimum insurance limits, but most experts recommend that you do. A state-minimum policy doesn’t pay for damage to your vehicle, meaning you’d have to cover your injuries and vehicle repairs yourself.
Even with the increased limits starting in 2025, you could be in an accident with more expensive damages. With only the state’s minimum auto insurance coverage, you would have to pay for any excess damages out of your own pocket.
Norfolk Auto Insurance FAQs
If you’re shopping for an auto insurance policy in Norfolk, here are a few more things you may want to know.
How much is car insurance in Norfolk?
The average cost of car insurance in Norfolk is $187 per month, according to Compare.com data. Drivers pay an average of $144 per month for liability-only coverage and $230 for full coverage.
What’s the cheapest auto insurance company in Norfolk?
Auto-Owners is the cheapest auto insurance company in Norfolk, with rates starting at $74 per month, according to Compare.com data. But the cheapest company on average may not be the cheapest for your situation. You should still shop around and compare quotes from multiple companies.
Is car insurance in Norfolk expensive?
Insurance in Norfolk costs an average of $187 per month, which is more expensive than the state average of $150 per month and the national average of $140, according to Compare.com data. Your car insurance rates depend on many different factors, including your location, driving history, and age.
Why is car insurance so high in Virginia?
Car insurance rates in Virginia are slightly higher than the national average. The state increased its insurance limits in 2025, which will likely increase liability rates. Other local factors like accident rates, traffic density, uninsured motorists, local crime rates, and weather patterns also affect insurance rates.
Sources
- Insurance Institute for Highway Safety. "Teenagers."
- Virginia State Corporation Commission. "Credit Scoring Guide for Homeowners & Automobile Insurance."
- Insurance Information Institute. "Facts + Statistics: Auto insurance."
- National Association of Insurance Commissioners. "Results by Complaint Index."
- J.D. Power. "2025 U.S. Auto Insurance Study."
- J.D. Power. "2025 U.S. Auto Claims Satisfaction Study."
- Virginia Department of Motor Vehicles. "Insurance Requirements."
- Virginia Department of Motor Vehicles. "Virginia Consumer's Guide for Auto Insurance."
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Erin GoblerPersonal Finance Writer
Matthew GrossEditor