Updated: November 13, 2025
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Travelers offers the cheapest car insurance in Norfolk at $461 per year for minimum coverage and $915 per year for full coverage. Other insurers serving Norfolk include Auto-Owners, Farm Bureau and State Farm.
Norfolk drivers pay an average of $727 per year for minimum coverage and $1,316 per year for full coverage.
Travelers also offers the cheapest car insurance in Virginia at $360 per year for minimum coverage and $733 per year for full coverage.
Travelers and Auto-Owners compete for Norfolk's lowest rates depending on your driver profile. Clean record adult drivers pay $461 annually with Travelers. Young drivers face higher costs at $1,047 per year with Travelers.
Violations add substantial costs to your premiums. A DUI increases your annual rate to $643 with Farm Bureau. An at-fault accident costs $622 per year with Travelers. Speeding tickets 11 to 15 mph over raise your premium to $573 annually with Travelers.
| Young Drivers | Farm Bureau | $90 |
| Adult Drivers | Travelers | $38 |
| Senior Drivers | Travelers | $54 |
| Drivers With an Accident | Travelers | $52 |
| Drivers With a DUI | Farm Bureau | $54 |
| Drivers With a Speeding Ticket | Auto-Owners | $49 |
| Drivers With Bad Credit | Penn | $96 |
| Drivers With Newer Cars | Travelers | $39 |
| Drivers With Old Cars | Auto-Owners | $30 |
Travelers delivers Norfolk's cheapest minimum coverage at $461 per year, 37% lower than the city average of $727. Full coverage costs $915 annually with Travelers compared to Norfolk's average of $1,316.
Farm Bureau presents a competitive alternative at $516 for minimum coverage and $971 for full coverage. Travelers' pricing advantage saves Norfolk drivers about $22 monthly for minimum coverage versus typical city rates.
| Travelers | $38 | $76 | -35% |
| Farm Bureau | $43 | $81 | -30% |
| Auto-Owners | $45 | $81 | -29% |
| Mercury | $55 | $95 | -15% |
| Erie | $51 | $106 | -11% |
Adult drivers in Norfolk benefit from the lowest rates at $461 annually with Travelers. Senior drivers pay $643 per year with Travelers. Young drivers pay $1,047 annually with Travelers, 127% more than adults.
Travelers maintains the most competitive rates across all three age categories in Norfolk. The substantial premium difference between age groups stems from actuarial analysis showing younger drivers statistically file more frequent and severe claims than their older counterparts.
| Travelers | $38 | $461 | -39% |
| Farm Bureau | $43 | $516 | -32% |
| Auto Owners | $45 | $534 | -30% |
| Erie Insurance | $51 | $615 | -19% |
| Penn National Insurance | $55 | $657 | -14% |
Travelers offers Norfolk drivers with clean records the most affordable rates at $461 per year. A speeding ticket 11 to 15 mph over increases your cost to $573 annually with Travelers, adding $112 to your yearly premium.
Serious violations result in steeper increases. An at-fault accident raises your rate to $622 per year with Travelers. A DUI pushes your premium to $643 annually with Farm Bureau. These rate hikes persist for several years, making traffic violations costly long after any fines are paid.
| Travelers | $52 | $622 |
| Farm Bureau | $61 | $729 |
| Auto Owners | $62 | $739 |
| State Farm | $65 | $775 |
| Penn National Insurance | $73 | $876 |
Auto-Owners ranks as Norfolk's top insurance company with a MoneyGeek score of 96, offering excellent service and competitive pricing. Travelers follows closely at 95, known for low rates and dependable claims support.
Both carriers maintain strong financial stability and customer satisfaction records. Auto-Owners' slightly higher rating reflects its exceptional overall value, though Travelers' lower premiums make it equally attractive for Norfolk residents prioritizing affordability.
| Auto-Owners | 96 | 3 | 1 | 7 |
| Travelers | 95 | 1 | 3 | 5 |
| Erie | 92 | 5 | 2 | 3 |
| Farm Bureau | 88 | 2 | 5 | 9 |
| Mercury | 86 | 4 | 7 | 6 |
Top-rated customer satisfaction
Fast claims processing
Local agent support
Limited add-on coverage options
Higher rates for some drivers
Auto-Owners stands out for exceptional customer service in Norfolk, earning the highest satisfaction ratings among local insurers. The company offers quick claims processing and personalized support through local agents. Auto-Owners provides the most affordable rates for drivers with older cars and those with speeding tickets. While coverage options are more limited than some competitors, customers praise the straightforward claims process and helpful representatives.
Lowest rates in Norfolk
Multiple discount opportunities
Strong coverage options
Average customer service ratings
Online platform needs improvement
Travelers offers Norfolk's most affordable car insurance rates across several driver categories. The company particularly stands out for adult drivers, those with newer vehicles, and seniors seeking affordable coverage. While customer service ratings are above average, they don't match some competitors. Travelers makes up for this with extensive coverage options and numerous ways to save through discounts and policy bundling.
Norfolk drivers pay an average of $727 per year for minimum coverage and $1,316 per year for full coverage. These rates align with Virginia statewide costs, reflecting Norfolk's urban environment and moderate traffic density.
Travelers' premiums of $461 for minimum coverage and $915 for full coverage fall well below city averages. This difference represents potential annual savings of $266 for minimum coverage and $401 for full coverage compared to typical Norfolk rates.
| Full Coverage | $110 | $1,316 |
| Minimum Coverage | $61 | $727 |
In Norfolk, car insurance rates by ZIP code range from $57 to $129 per month. ZIP code 23509 is the most expensive, while 23502 is the cheapest. Check the average rates for your ZIP code below.
| 23502 | $57 | $106 |
Norfolk drivers face some of the highest car insurance rates in Virginia, and sorting through coverage options can feel overwhelming. This guide breaks down exactly how to find affordable car insurance that meets your needs, with practical steps to lower your rates.
Start by determining how much coverage you actually need. Use our car insurance coverage needs calculator to evaluate your situation. Consider your car's value, your assets, and Norfolk's traffic patterns to choose coverage that protects you without breaking the bank.
Familiarize yourself with various types of car insurance options. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? Look into non-owner insurance for occasional driving.
Research average vehicle insurance costs in Norfolk to set realistic expectations. Knowing the typical rates helps you identify genuinely good deals and avoid overpaying for coverage.
Maximize your savings with car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs and military discounts can also reduce your premium significantly.
Look beyond just prices. Check customer reviews and claims satisfaction ratings for insurers serving Norfolk. A slightly higher premium from a reliable company might save you money and stress when you need to file a claim.
Contact at least three different insurance companies for quotes. Use a mix of online tools, local agents, and direct company websites. Each insurer calculates rates differently, so comparing multiple quotes helps you find the best deal.
Mark your calendar to review your policy each year. Life changes like improved credit scores, safer driving records, or different vehicles can qualify you for better rates. Don't let loyalty to one company cost you money.
Car insurance rates in Norfolk vary based on your driving record, credit and coverage needs. Travelers and Farm Bureau offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Find clear answers about affordable car insurance in Norfolk. We'll help you understand coverage options and costs so you can choose the right policy for your budget.
Travelers offers the lowest rates in Norfolk, with average annual premiums of $461 for minimum coverage and $915 for full coverage. Rates vary by personal factors, so compare quotes.
Auto-Owners leads Norfolk's car insurance providers with a MoneyGeek score of 96 out of 100, scoring slightly higher than Travelers by 0.14 points. The company excels in both affordability and service quality.
In Norfolk, drivers pay $1,316 per year for full coverage and $727 for minimum coverage car insurance. Your actual rates will vary based on individual factors.
Car insurance in Norfolk costs more than average, ranking 851st for minimum coverage affordability and 770th for full coverage compared to other Virginia cities.
To help Norfolk drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Virginia Bureau of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Virginia to tailor options as closely as possible to you.
Norfolk Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Norfolk
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Virginia are:
For a full coverage policy, we used the following coverage limits:
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
