Best Cheap Auto Insurance in Portsmouth, VA (2021)

The average Portsmouth, VA auto insurance rates are $213 per month. The minimum auto insurance in Portsmouth is at least 25/50/20 in coverage to comply with Virginia auto insurance laws. To find the best cheap auto insurance in Portsmouth, Virginia, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 16, 2021

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Things to Remember

  • The minimum auto insurance required in Portsmouth, Virginia is 25/50/20
  • The average commute length in Portsmouth is 23.1 minutes
  • The most expensive auto insurance company in Portsmouth for teen drivers is Allstate

Portsmouth, Virginia auto insurance requirements are 25/50/20 according to Virginia auto insurance laws. Finding cheap auto insurance in Portsmouth 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 Portsmouth, Virginia, including driving record, credit, commute time, and more.

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

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

Minimum Auto Insurance in Portsmouth, Virginia

Portsmouth, 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 Portsmouth, Virginia.

Minimum Required Auto Insurance Coverage in Portsmouth, 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 Portsmouth, Virginia Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Portsmouth, 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 Portsmouth, 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 $2,127 $2,003 $2,114 $2,114 $6,651 $7,594 $2,755 $2,744
GEICO $1,610 $1,599 $1,531 $1,531 $3,506 $4,664 $1,871 $1,839
Nationwide $1,512 $1,519 $1,342 $1,375 $3,672 $4,720 $1,672 $1,815
Progressive $1,252 $1,183 $1,140 $1,140 $5,910 $6,630 $1,513 $1,536
State Farm $1,542 $1,542 $1,409 $1,409 $4,871 $6,115 $1,749 $2,007
USAA $1,332 $1,311 $1,254 $1,259 $4,144 $4,910 $1,712 $1,880

Cheap Portsmouth, Virginia Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Portsmouth, Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,651 $7,594
GEICO $3,506 $4,664
Nationwide $3,672 $4,720
Progressive $5,910 $6,630
State Farm $4,871 $6,115
USAA $4,144 $4,910

Cheap Portsmouth, Virginia Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Portsmouth, Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,114 $2,114
GEICO $1,531 $1,531
Nationwide $1,342 $1,375
Progressive $1,140 $1,140
State Farm $1,409 $1,409
USAA $1,254 $1,259

Cheap Portsmouth, 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 Portsmouth, Virginia compared to the annual auto insurance rates with a clean record in Portsmouth, Virginia.

Annual Portsmouth, Virginia Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,612 $4,213 $3,847 $3,379
GEICO $1,728 $2,237 $3,381 $1,728
Nationwide $1,916 $1,916 $2,807 $2,174
Progressive $2,157 $2,888 $2,590 $2,517
State Farm $2,342 $2,818 $2,580 $2,580
USAA $1,719 $2,247 $2,954 $1,981

Cheap Portsmouth, Virginia Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Portsmouth, Virginia

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,847
GEICO $3,381
Nationwide $2,807
Progressive $2,590
State Farm $2,580
USAA $2,954

Cheap Portsmouth, Virginia Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Portsmouth, Virginia

Insurance Company Poor Fair Good
Allstate $4,266 $3,431 $2,840
GEICO $2,521 $2,143 $2,143
Nationwide $2,605 $2,098 $1,907
Progressive $2,817 $2,478 $2,320
State Farm $3,671 $2,274 $1,795
USAA $2,968 $2,030 $1,677

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Cheap Portsmouth, Virginia Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Portsmouth, Virginia

ZIP Code Average Annual Rates
23701 $2,175
23702 $2,250
23703 $2,122
23704 $2,268
23707 $2,189
23708 $2,242
23709 $2,243

Cheap Portsmouth, Virginia Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Portsmouth, Virginia

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,403 $3,622
GEICO $2,227 $2,311
Nationwide $2,203 $2,203
Progressive $2,538 $2,538
State Farm $2,514 $2,646
USAA $2,142 $2,308

Cheap Portsmouth, Virginia Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Portsmouth, Virginia

Insurance Company Low Medium High
Allstate $3,392 $3,513 $3,633
GEICO $2,160 $2,265 $2,382
Nationwide $2,303 $2,183 $2,125
Progressive $2,408 $2,505 $2,701
State Farm $2,401 $2,578 $2,762
USAA $2,118 $2,230 $2,328

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Best By Category: Cheapest Auto Insurance in Portsmouth, Virginia

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

Best Annual Auto Insurance Rates by Company in Portsmouth, Virginia

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

The Cheapest Portsmouth, Virginia Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Portsmouth, Virginia

Insurance Company Average Annual Rates
Allstate $3,513
GEICO $2,269
Nationwide $2,203
Progressive $2,538
State Farm $2,580
USAA $2,225

What affects auto insurance rates in Portsmouth, Virginia?

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

Portsmouth Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Portsmouth, Virginia commute length is 23.1 minutes according to City-Data.

Portsmouth Traffic

How does Portsmouth, Virginia rank for traffic? According to Inrix Portsmouth, Virginia is the 596th most congested worldwide.

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Compare Portsmouth, Virginia Auto Insurance Quotes

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