Norfolk, VA, Car Insurance

Drivers in Norfolk pay an average of $114 per month for full coverage car insurance. However, rates can vary widely, starting at $115 per month and reaching up to $379, depending on the policy details and driver profile. To help drivers better understand what they might pay, the table below outlines average costs for different driver profiles in the area.

Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.

In Norfolk, full coverage car insurance averages $1,363 per year, while state minimum coverage costs around $714. These rates are higher than Virginia's averages, where full coverage is $1,217 and state minimum coverage is $632.

While premiums may be rising across the Old Dominion, affordable car insurance is still within reach in Norfolk. American Family offers the cheapest minimum coverage at $26 per month. For those seeking full coverage, the company also provides the best rate at $73 per month.

American Family is often the cheapest car insurance provider, but rates can vary for each driver. The best way to find affordable car insurance is by getting quotes from multiple providers. Below is a table showing the cheapest rates for various driver profiles, helping you find the best fit for your needs.

Car insurance costs vary by company, so comparing rates is key to finding affordable coverage in Norfolk. Below, we detail the cheapest state minimum and full coverage car insurance options.

American Family offers the cheapest minimum coverage auto insurance at $26 per month. Cincinnati Insurance follows at $40 monthly. The table below breaks down the cheapest options.

In Norfolk, American Family offers the cheapest full coverage car insurance at $73 per month. Below is the full list of providers and their rates.

To find the cheapest car insurance in Norfolk, get quotes from several companies. American Family offers the lowest rate at $596 annually. Cincinnati Insurance is the top-rated provider, with a MoneyGeek score of 89 out of 100. Check the table below for more options to consider.

*Rates are for a 40-year-old driver with good credit and no driving violations.

Middle-aged drivers and younger seniors have the lowest car insurance rates, at $1,363 per year for 40-year-olds and $1,384 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.

Nationwide offers the cheapest overall car insurance for teens in Norfolk, with full coverage at $104 monthly. This saves you $159 per month compared to the state average. The table below highlights other affordable providers for this age group.

*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.

American Family offers the lowest minimum coverage rate for young drivers at $37 per month, while Virginia Farm Bureau provides the most affordable full coverage at $92 monthly. Check the table below to see which providers offer the cheapest rate for different young driver profiles.

Virginia Farm Bureau offers the most affordable auto insurance for young drivers at $66 per month. Other affordable options, such as American Family at $68 and Travelers at $73, are also available. The table below shows other companies with competitive rates.

*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.

American Family and Cincinnati Insurance offer the cheapest car insurance rates in Norfolk. However, your rate may vary based on factors like your driving history and coverage needs. The table below shows the most affordable providers for different driver and coverage profiles that may better fit you.

Cincinnati Insurance offers the cheapest monthly premium for seniors at $58 for minimum and full coverage. American Family follows closely with a rate of $60 per month. The table below shows the top car insurance providers for seniors in Norfolk.

*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.

In Norfolk, drivers with a high-risk profile pay an average of $1,049 for minimum coverage and $2,032 for full coverage, which is lower than Virginia's average rates of $936 and $1,829, respectively. Those with bad credit and DUIs pay the highest car insurance rates. Accidents and speeding tickets affect rates less, making them more affordable for some high-risk profiles.

Virginia Farm Bureau offers the cheapest minimum coverage for drivers with a DUI at $588 per year. The company also provides the most affordable full coverage policy at $1,272 annually. Check out the table below to see more options for low-cost coverage.

*Rates are for a 40-year-old driver with good credit and a DUI.

American Family, Auto-Owners and Cincinnati Insurance offer the three cheapest auto insurance after an at-fault accident in Norfolk. The table below shows different providers offering affordable coverage options.

*Rates are for a 40-year-old driver with good credit an at-fault accident.

American Family is the cheapest car insurance provider for drivers with a speeding ticket in Norfolk, offering minimum coverage at $37 per month. For full coverage, Auto-Owners has the best rate at $94 per month. Check the table below to see how other providers charge drivers with a speeding ticket.

**Rates are for a 40-year-old driver with good credit and a speeding ticket.*

Mercury offers the most affordable rate for drivers with bad credit for state minimum coverage at $59 monthly. Nationwide provides the cheapest full coverage at $111 per month. See the table below to find other affordable options.

*Rates are for a 40-year-old driver with bad credit and no driving violations.

In Virginia, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $20,000 for property damage liability per accident
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident
• $20,000 uninsured/underinsured property damage coverage

For example, if you're in an accident, your policy covers up to $25,000 per person for injuries. This ensures you're financially protected while meeting state requirements.

American Family leads with the cheapest car insurance in Norfolk, offering minimum coverage at $26 and full coverage at $73 monthly. You'll find affordable options to match your pocket regardless of age or credit. Make sure your choice covers Virginia's must-haves: bodily injury, property damage and uninsured motorist protection. Compare and save, ensuring you comply with state law without paying extra.

This section offers quick answers to common questions about finding affordable and the best car insurance options in Norfolk.

MoneyGeek conducted an analysis of Norfolk auto insurance prices using data from the Virginia Bureau of Insurance and Quadrant Information Services.

Norfolk Driver Profile

To assess the best and most affordable auto insurance options for Norfolk residents, MoneyGeek used the following sample driver profile:

• 40-year-old male
• Clean driving history
• 2012 Toyota Camry LE
• 12,000 miles driven per year

By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.

Coverage Levels in Norfolk

In assessing the car insurance quotes for Norfolk, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Virginia's mandated liability insurance parameters:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $20,000 for property damage liability per accident
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident
• $20,000 uninsured/underinsured property damage coverage

To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability
• Comprehensive and collision coverage with a deductible of $1,000

MoneyGeek’s Scoring System

MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.

Insurers received scores as indicated below, with a total possible score of 100 points:

• General customer satisfaction (up to 35 points)
• Affordability (up to 30 points)
• Claims experience (up to 20 points)
• Essential coverages (up to 10 points)
• Financial stability (up to five points)

MoneyGeek’s Sources

To gauge rates and assess the best service experiences among Virginia providers, MoneyGeek utilized six sources:

• Quadrant Information Services provided actual policy quotes in Norfolk
• J.D. Power's studies and the NAIC index contributed to the assessment of customer service
• Claims experience metrics came from J.D. Power and the CRASH Network’s report card
• AM Best and Demotech offered financial stability insights through their ratings

MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Norfolk.