+100 more*These quotes are from Compare.com users in and around Norfolk, Virginia within the last 10 days. Updated on November 9, 2026
*These quotes are from Compare.com users in and around Norfolk, Virginia within the last 10 days. Updated on November 9, 2026
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Erin Gobler is a personal finance writer and journalist who has been writing for Compare.com since 2023. With more than five years of experience personal finance experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more.
Her work has been featured in major publications like Business Insider, Fox Business, and Time.
Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.
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5+ years in communications and content creation
2+ years in insurance content
Matthew's journalism and AppleCare editing experience help him simplify complex insurance information on Compare.com.
Updated
Drivers in Norfolk, Virginia, pay an average of $198 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.
Auto-Owners has the cheapest car insurance in Norfolk, at $77 per month.
Norfolk drivers pay an average of $151 per month for liability insurance and $246 for full coverage.
Virginia recently increased its insurance limits and now requires 50/100/25 of liability coverage.
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.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $77 |
| State Farm | $78 |
| USAA | $106 |
| Chubb | $116 |
| Elephant | $119 |
| Mercury | $120 |
| Erie | $121 |
| Progressive | $139 |
| GEICO | $141 |
| National General | $143 |
| Bristol West | $145 |
| Allstate | $154 |
| Direct Auto | $155 |
| GAINSCO | $156 |
| Safeco | $156 |
| CSAA | $169 |
| AssuranceAmerica | $178 |
| Liberty Mutual | $184 |
| Trexis | $184 |
| Insurify Car | $194 |
| The General | $197 |
| Dairyland | $198 |
| Root | $201 |
| Clearcover | $206 |
| Trexis One | $214 |
| Travelers | $221 |
| Hugo | $250 |
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 | $77 |
| Full coverage | Auto-Owners | $132 |
| Teens | Auto-Owners | $155 |
| Seniors | Auto-Owners | $61 |
| Recent speeding ticket | Auto-Owners | $99 |
| Recent at-fault accident | Auto-Owners | $103 |
| DUI conviction | Auto-Owners | $105 |
| Excellent credit | Auto-Owners | $61 |
| Poor credit | Auto-Owners | $116 |
Comparing quotes can save you up to $867.*
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 $151 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.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $77 |
| State Farm | $78 |
| USAA | $106 |
| Chubb | $116 |
| Elephant | $119 |
| Mercury | $120 |
| Erie | $121 |
| Progressive | $139 |
| GEICO | $141 |
| National General | $143 |
| Bristol West | $145 |
| Allstate | $154 |
| Direct Auto | $155 |
| GAINSCO | $156 |
| Safeco | $156 |
| CSAA | $169 |
| AssuranceAmerica | $178 |
| Liberty Mutual | $184 |
| Trexis | $184 |
| Insurify Car | $194 |
| The General | $197 |
| Dairyland | $198 |
| Root | $201 |
| Clearcover | $206 |
| Trexis One | $214 |
| Travelers | $221 |
| Hugo | $250 |
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 $246 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.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $132 |
| State Farm | $136 |
| CSAA | $177 |
| Elephant | $182 |
| USAA | $183 |
| Progressive | $187 |
| Chubb | $201 |
| Erie | $209 |
| Mercury | $216 |
| Safeco | $228 |
| GEICO | $232 |
| Bristol West | $251 |
| Liberty Mutual | $260 |
| National General | $265 |
| Direct Auto | $275 |
| Allstate | $279 |
| AssuranceAmerica | $295 |
| Root | $304 |
| GAINSCO | $333 |
| Trexis | $338 |
| Travelers | $383 |
| Clearcover | $405 |
| The General | $417 |
| Trexis One | $451 |
| Dairyland | $463 |
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 $370 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.
Company | Average Monthly Premium |
|---|---|
| State Farm | $151 |
| Auto-Owners | $155 |
| USAA | $195 |
| Mercury | $219 |
| Elephant | $220 |
| Erie | $221 |
| Chubb | $237 |
| GEICO | $257 |
| Bristol West | $258 |
| Progressive | $260 |
| GAINSCO | $275 |
| National General | $284 |
| Allstate | $288 |
| Direct Auto | $304 |
| Root | $307 |
| Safeco | $322 |
| Liberty Mutual | $324 |
| Clearcover | $339 |
| Dairyland | $344 |
| Trexis | $344 |
| The General | $358 |
| Insurify Car | $362 |
| AssuranceAmerica | $369 |
| CSAA | $399 |
| Trexis One | $400 |
| Travelers | $459 |
| Hugo | $467 |
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 $170 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.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $61 |
| State Farm | $61 |
| USAA | $86 |
| Chubb | $87 |
| Erie | $93 |
| Mercury | $94 |
| Elephant | $95 |
| GEICO | $112 |
| National General | $112 |
| Progressive | $120 |
| Bristol West | $120 |
| CSAA | $124 |
| Direct Auto | $126 |
| Allstate | $133 |
| GAINSCO | $134 |
| Safeco | $136 |
| AssuranceAmerica | $139 |
| Liberty Mutual | $152 |
| Trexis | $158 |
| The General | $167 |
| Dairyland | $167 |
| Insurify Car | $167 |
| Travelers | $176 |
| Clearcover | $181 |
| Trexis One | $184 |
| Root | $185 |
| Hugo | $215 |
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 $246 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.
Company | Average Monthly Premium |
|---|---|
| State Farm | $98 |
| Auto-Owners | $99 |
| USAA | $136 |
| Elephant | $146 |
| Chubb | $147 |
| Erie | $157 |
| Mercury | $165 |
| Progressive | $173 |
| National General | $177 |
| Bristol West | $182 |
| GEICO | $184 |
| GAINSCO | $186 |
| Allstate | $191 |
| Direct Auto | $194 |
| Safeco | $204 |
| AssuranceAmerica | $225 |
| Trexis | $229 |
| CSAA | $232 |
| Liberty Mutual | $233 |
| Root | $238 |
| Insurify Car | $241 |
| Dairyland | $244 |
| Clearcover | $261 |
| The General | $262 |
| Trexis One | $266 |
| Travelers | $284 |
| Hugo | $311 |
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 $246 per month.
The insurers in the table below have the cheapest rates for drivers with a recent accident, according to our data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $103 |
| State Farm | $105 |
| USAA | $144 |
| Chubb | $157 |
| Elephant | $157 |
| Erie | $164 |
| Mercury | $179 |
| Progressive | $186 |
| GEICO | $189 |
| National General | $191 |
| Bristol West | $194 |
| GAINSCO | $201 |
| Allstate | $206 |
| Direct Auto | $213 |
| Safeco | $219 |
| AssuranceAmerica | $238 |
| CSAA | $242 |
| Trexis | $246 |
| Liberty Mutual | $246 |
| Root | $254 |
| Insurify Car | $259 |
| Dairyland | $262 |
| The General | $272 |
| Trexis One | $286 |
| Clearcover | $294 |
| Travelers | $302 |
| Hugo | $334 |
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 $254 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.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $105 |
| State Farm | $106 |
| USAA | $144 |
| Chubb | $158 |
| Elephant | $162 |
| Erie | $163 |
| Mercury | $173 |
| Progressive | $179 |
| GEICO | $193 |
| National General | $194 |
| Bristol West | $197 |
| Allstate | $198 |
| Direct Auto | $211 |
| GAINSCO | $212 |
| CSAA | $230 |
| Safeco | $235 |
| Trexis | $236 |
| AssuranceAmerica | $242 |
| Insurify Car | $249 |
| Liberty Mutual | $250 |
| The General | $260 |
| Dairyland | $269 |
| Clearcover | $270 |
| Root | $273 |
| Trexis One | $275 |
| Travelers | $301 |
| Hugo | $321 |
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 $247 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.
Company | Average Monthly Premium |
|---|---|
| State Farm | $114 |
| Auto-Owners | $116 |
| USAA | $132 |
| Mercury | $146 |
| Elephant | $147 |
| GEICO | $166 |
| Progressive | $173 |
| National General | $177 |
| Erie | $177 |
| Bristol West | $179 |
| Chubb | $185 |
| Direct Auto | $192 |
| Allstate | $192 |
| GAINSCO | $193 |
| Safeco | $193 |
| CSAA | $209 |
| Liberty Mutual | $220 |
| AssuranceAmerica | $220 |
| Trexis | $230 |
| Insurify Car | $242 |
| The General | $244 |
| Dairyland | $245 |
| Root | $249 |
| Clearcover | $255 |
| Travelers | $262 |
| Trexis One | $267 |
| Hugo | $312 |
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 | 4.3 |
|---|---|
| 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. | 4.7 /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. | $78/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. | $136/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.0 | 2.9 |
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.
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.
Cheap rates for most Virginia drivers
High customer satisfaction rating in Mid-Atlantic region[5]
Telematics program saves safe drivers money
Fewer discounts than many insurers
Gap insurance not available
Accident forgiveness not available
| 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. | 4.1 /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. | $77/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. | $132/mo |
Auto-Owners Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 3.9 | 2.9 |
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.
Cheap insurance for most Virginia drivers
Above-average claims satisfaction rating[6]
Many coverage options available
Quotes not available online
No safe driver discounts or telematics program
Poorly rated mobile app
| 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. | 4.2 /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. | $121/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. | $209/mo |
Erie Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.6 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.1 | 2.9 |
| Policy transparency | 4.6 | 3.1 |
| Value | 4.0 | 2.9 |
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.
Top-rated customer and claims satisfaction in the Mid-Atlantic region
Many available coverages
Various discounts available
Can’t sign up for insurance online
Higher rates than some insurers
No safe driver discount
Local rates start as low as $77 per month.
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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.
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.
If you’re shopping for an auto insurance policy in Norfolk, here are a few more things you may want to know.
The average cost of car insurance in Norfolk is $198 per month, according to Compare.com data. Drivers pay an average of $151 per month for liability-only coverage and $246 for full coverage.
Auto-Owners is the cheapest auto insurance company in Norfolk, with rates starting at $77 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.
Insurance in Norfolk costs an average of $198 per month, which is more expensive than the state average of $159 per month and the national average of $144, according to Compare.com data. Your car insurance rates depend on many different factors, including your location, driving history, and age.
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.
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.
Erin Gobler is a personal finance writer and journalist who has been writing for Compare.com since 2023. With more than five years of experience personal finance experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more.
Her work has been featured in major publications like Business Insider, Fox Business, and Time.
Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.
5+ years in communications and content creation
2+ years in insurance content
Matthew's journalism and AppleCare editing experience help him simplify complex insurance information on Compare.com.
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.