Best Cheap Auto Insurance in Norfolk, VA (2021)

The average Norfolk, VA auto insurance rates are $218 per month. The minimum auto insurance in Norfolk is at least 25/50/20 in coverage to comply with Virginia auto insurance laws. To find the best cheap auto insurance in Norfolk, Virginia, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 18, 2021

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Things to Remember

  • The average commute length in Norfolk is 21.3 minutes
  • Average auto insurance rates in Norfolk, VA for senior drivers are $1,500 per year
  • The minimum auto insurance required in Norfolk, Virginia is 25/50/20

Norfolk, Virginia auto insurance requirements are 25/50/20 according to Virginia auto insurance laws. Finding cheap auto insurance in Norfolk can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Norfolk, Virginia, including driving record, credit, commute time, and more.

Compare auto insurance in Norfolk to other Virginia cities, including Portsmouth auto insurance rates, Norfolk auto insurance rates, and Virginia Beach auto insurance rates to see how Norfolk, Virginia auto insurance rates stack up.

Before you buy Norfolk, Virginia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Norfolk, Virginia auto insurance quotes.

Minimum Auto Insurance in Norfolk, Virginia

Norfolk, Virginia auto insurance laws require that you have at least the Virginia minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Norfolk, Virginia.

Minimum Required Auto Insurance Coverage in Norfolk, Virginia

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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Cheap Norfolk, Virginia Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Norfolk, Virginia are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Norfolk, Virginia

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,157 $2,033 $2,144 $2,144 $6,701 $7,656 $2,790 $2,782
GEICO $1,650 $1,638 $1,566 $1,566 $3,614 $4,829 $1,922 $1,888
Nationwide $1,512 $1,519 $1,342 $1,375 $3,672 $4,720 $1,672 $1,815
Progressive $1,286 $1,218 $1,169 $1,170 $6,055 $6,796 $1,559 $1,587
State Farm $1,640 $1,640 $1,496 $1,496 $5,175 $6,491 $1,860 $2,140
USAA $1,344 $1,323 $1,261 $1,268 $4,172 $4,951 $1,730 $1,901

Cheap Norfolk, Virginia Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Norfolk, Virginia is a challenge. Take a look at the annual teen auto insurance rates in Norfolk, Virginia.

Annual Auto Insurance Rates for Teen Drivers in Norfolk, Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,701 $7,656
GEICO $3,614 $4,829
Nationwide $3,672 $4,720
Progressive $6,055 $6,796
State Farm $5,175 $6,491
USAA $4,172 $4,951

Cheap Norfolk, Virginia Auto Insurance for Seniors

What are senior auto insurance rates in Norfolk, Virginia? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Norfolk, Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,144 $2,144
GEICO $1,566 $1,566
Nationwide $1,342 $1,375
Progressive $1,169 $1,170
State Farm $1,496 $1,496
USAA $1,261 $1,268

Cheap Norfolk, Virginia Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Norfolk, Virginia compared to the annual auto insurance rates with a clean record in Norfolk, Virginia.

Annual Norfolk, Virginia Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,648 $4,253 $3,885 $3,418
GEICO $1,779 $2,301 $3,477 $1,779
Nationwide $1,916 $1,916 $2,807 $2,174
Progressive $2,215 $2,964 $2,656 $2,586
State Farm $2,490 $2,995 $2,742 $2,742
USAA $1,735 $2,262 $2,979 $2,000

Cheap Norfolk, Virginia Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Norfolk, Virginia is not easy. Compare the annual rates for DUI auto insurance in Norfolk, Virginia to find the best deal.

Annual Auto Insurance Rates After a DUI in Norfolk, Virginia

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,885
GEICO $3,477
Nationwide $2,807
Progressive $2,656
State Farm $2,742
USAA $2,979

Cheap Norfolk, Virginia Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Norfolk, Virginia annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Norfolk, Virginia

Insurance Company Poor Fair Good
Allstate $4,311 $3,468 $2,873
GEICO $2,593 $2,204 $2,204
Nationwide $2,605 $2,098 $1,907
Progressive $2,894 $2,542 $2,379
State Farm $3,903 $2,417 $1,907
USAA $2,998 $2,045 $1,688

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Cheap Norfolk, Virginia Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Norfolk, Virginia can vary. Compare the annual cost of auto insurance by ZIP code in Norfolk, Virginia to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Norfolk, Virginia

ZIP Code Average Annual Rates
23502 $2,254
23503 $2,359
23504 $2,318
23505 $2,311
23507 $2,165
23508 $2,269
23509 $2,301
23510 $2,182
23513 $2,317
23517 $2,199
23518 $2,268
23519 $2,294
23520 $2,252
23521 $2,292
23523 $2,199
23529 $2,199

Cheap Norfolk, Virginia Auto Insurance Rates By Commute

Commute length and annual mileage affect Norfolk, Virginia auto insurance. Find the cheapest annual Norfolk, Virginia auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Norfolk, Virginia

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,441 $3,661
GEICO $2,291 $2,377
Nationwide $2,203 $2,203
Progressive $2,605 $2,605
State Farm $2,673 $2,812
USAA $2,160 $2,327

Cheap Norfolk, Virginia Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Norfolk, Virginia? Check out the comparison of annual Norfolk, Virginia auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Norfolk, Virginia

Insurance Company Low Medium High
Allstate $3,431 $3,551 $3,670
GEICO $2,240 $2,331 $2,431
Nationwide $2,303 $2,183 $2,125
Progressive $2,484 $2,575 $2,757
State Farm $2,559 $2,740 $2,927
USAA $2,143 $2,248 $2,340

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Best By Category: Cheapest Auto Insurance in Norfolk, Virginia

Compare the cheapest auto insurance companies in Norfolk, Virginia in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Norfolk, Virginia

Category Insurance Company
Teenagers Nationwide
Seniors Progressive
Clean Record USAA
With 1 Accident Nationwide
With 1 DUI Progressive
With 1 Speeding Violation GEICO

The Cheapest Norfolk, Virginia Auto Insurance Companies

What auto insurance companies in Norfolk, Virginia are the cheapest? Compare the top Norfolk, Virginia auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Norfolk, Virginia

Insurance Company Average Annual Rates
Allstate $3,551
GEICO $2,334
Nationwide $2,203
Progressive $2,605
State Farm $2,742
USAA $2,244

What affects auto insurance rates in Norfolk, Virginia?

There are a lot of reasons why auto insurance rates in Norfolk, Virginia are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Norfolk, Virginia. Many local factors may affect your Norfolk auto insurance rates.

Norfolk Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Norfolk, Virginia commute length is 21.3 minutes according to City-Data.

Norfolk Traffic

How does Norfolk, Virginia rank for traffic? According to Inrix Norfolk, Virginia is the 498th most congested worldwide.

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Compare Norfolk, Virginia Auto Insurance Quotes

Before you buy Norfolk, Virginia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Norfolk, Virginia auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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