Updated: December 29, 2025
Advertising & Editorial Disclosure
Travelers: Cheapest across most driver profiles. At $38 monthly for minimum coverage and $76 for full coverage, Travelers saves drivers 35% compared to Norfolk's average.
Farm Bureau: Second cheapest at $43 monthly minimum and $81 full coverage. It's affordable for young drivers, drivers with an accident and drivers with a DUI.
Auto-Owners: Third cheapest at $45 monthly minimum and $81 full coverage, with rates 29% below city average.
Cheapest Monthly Rates by Coverage and Driver Profile in Norfolk:
Travelers offers the cheapest minimum coverage at $38 monthly, while Farm Bureau is the second cheapest at $43. For full coverage, Travelers stays the cheapest at $76 monthly, with Auto-Owners second at $81. Both save you over 29% compared to Norfolk's average. Get quotes from at least three companies because rates vary by ZIP code and driving history.
| Travelers | $38 | $76 | -35% |
| Farm Bureau | $43 | $81 | -30% |
| Auto Owners | $45 | $81 | -29% |
| Erie Insurance | $51 | $106 | -11% |
| Mercury Insurance | $55 | $95 | -15% |
Not in Norfolk? Read more about the cheapest car insurance in Virginia or the best car insurance in Virginia.
Teens and drivers in their early 20s pay the highest rates due to inexperience. Farm Bureau offers the cheapest full coverage at $163 monthly. Travelers charges $179, and Auto-Owners costs $190.
Young drivers can cut costs by hundreds of dollars annually by staying on a parent's policy instead of buying separate coverage. Defensive driving courses earn 5% to 15% discounts.
| Farm Bureau | $163 | $1,957 | -43% |
| Travelers | $179 | $2,152 | -37% |
| Auto Owners | $190 | $2,286 | -33% |
| Erie Insurance | $220 | $2,643 | -23% |
| Geico | $222 | $2,662 | -23% |
Senior drivers in Norfolk pay lower rates than most age groups. Travelers charges the least at $103 monthly for full coverage. Auto-Owners costs $120, and Farm Bureau charges $122. Defensive driving courses earn seniors up to 10% discounts that last three years. Most insurers offer accident forgiveness programs for drivers 65 and older. Travelers provides mature driver discounts and defensive driving course credits.
| Travelers | $103 | $1,237 | -32% |
| Auto Owners | $120 | $1,439 | -21% |
| Farm Bureau | $122 | $1,466 | -19% |
| Geico | $133 | $1,598 | -12% |
| Penn National Insurance | $138 | $1,652 | -9% |
Violations increase your rates, though insurers charge different amounts for the same infraction. Travelers charges drivers with at-fault accidents $52 monthly for minimum coverage, compared to Farm Bureau's $61. For speeding tickets, Travelers costs $48 a month, and Auto-Owners charges $49. Farm Bureau offers the best DUI rates at $54 monthly, with Travelers at $56.
Compare quotes after a violation, as rates differ by hundreds of dollars across insurers. Speeding tickets stay on your record for three to five years. DUIs and serious violations affect rates for up to 10 years.
| At-Fault Accident | Travelers | $52 | -47% |
| At-Fault Accident | Farm Bureau | $61 | -37% |
| DUI | Farm Bureau | $54 | -56% |
| DUI | Travelers | $56 | -54% |
| Speeding Ticket | Travelers | $48 | -40% |
| Speeding Ticket | Auto Owners | $49 | -38% |
Norfolk rates span from $105 to $129 monthly for full coverage, depending on your ZIP code. High-risk areas like 23509 cost $129. Safer neighborhoods like 23507 cost $105.
Your ZIP code matters more than your neighborhood name when insurers calculate rates. Theft rates, traffic density and accident frequency create a $24 monthly gap between Norfolk's most and least expensive ZIP codes.
| 23509 | $129 |
| 23504 | $128 |
| 23505 | $110 |
| 23503 | $108 |
| 23508 | $108 |
| 23513 | $108 |
| 23519 | $107 |
| 23510 | $107 |
| 23523 | $107 |
| 23518 | $107 |
| 23507 | $105 |
| 23502 | $106 |
| 23517 | $106 |
| 23520 | $106 |
| 23521 | $106 |
| 23529 | $106 |
| 23518 | $107 |
| 23519 | $107 |
| 23510 | $107 |
| 23523 | $107 |
Auto-Owners leads Norfolk's insurance market with a MoneyGeek score of 96 out of 100. It combines competitive rates with outstanding customer service scores and comprehensive coverage options.
Travelers, Erie, Farm Bureau and Mercury are also great options. These insurers offer competitive rates, quality customer service and comprehensive coverage options.
| Auto Owners | 96 | 3 | 1 | 7 |
| Travelers | 95 | 1 | 3 | 5 |
| Erie Insurance | 92 | 5 | 2 | 3 |
| Farm Bureau | 88 | 2 | 5 | 9 |
| Mercury Insurance | 86 | 4 | 7 | 6 |
Highest customer service score among Norfolk insurers
Competitive rates for seniors and young drivers
4.5 out of 5 J.D. Power rating
Limited coverage options compared to competitors
Fewer local agents for in-person service
Auto-Owners ranks first in Norfolk with a 4.5 out of 5 customer service rating and competitive rates for senior drivers, young drivers and drivers with speeding tickets. It charges $45 monthly for minimum coverage and $81 for full coverage, both below city averages.
Auto-Owners combines 24/7 digital tools with local agents who understand Norfolk's hurricane and flood risks. It offers specialized coverage like water backup protection and comprehensive weather-related coverage for Norfolk's coastal conditions.
Cheapest rates across most driver profiles
Full coverage rates 35% below city average
4.2 out of 5 customer service rating
Limited digital tools for online policy management
No Norfolk-specific coverage plans available
Fewer coverage options than top competitors
Travelers ranks second in Norfolk with the lowest rates for most drivers and a 4.2 out of 5 customer service rating. It charges full coverage rates 35% below the city average and provides 24/7 claim filing through its mobile app.
Travelers handles hurricane season challenges with comprehensive weather-related coverage and a network of over 12,000 claims professionals. Its IntelliDrive program rewards safe driving with discounts up to 20%.
Norfolk drivers pay elevated car insurance rates. Finding affordable coverage requires comparing quotes from multiple insurers.
Bundle auto with home or renters (15% to 25% off). Add multi-car discounts (10% to 25% per vehicle). Combine good driver, paperless billing and automatic payment for 30% to 40% total savings.
Move from $500 to $1,000 and save 10% to 15% annually. Choose only what you can afford in cash.
Rates change yearly as companies adjust for Norfolk's risk profile. Your driving record improves after three years, unlocking lower rates.
Find answers to common insurance questions for Norfolk residents below, helping you navigate coverage choices and costs.
Car insurance in Norfolk runs about $110 monthly for full coverage. While that's moderately priced, Virginia shows dramatic cost differences statewide. Lincolnia drivers face the highest rates at $113 per month, while Broadway residents enjoy the cheapest coverage at just $43 monthly.
Finding affordable car insurance in Norfolk starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and Virginia's insurance requirements all shape your premium. Even within city limits, drivers in ZIP code 23509 often pay much more than those in 23507.
We partnered with the Virginia Bureau of Insurance and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Norfolk ZIP code.
Our ratings for the best car insurance in Norfolk are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which reveals which insurers maintain competitive rates across Norfolk neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.
