Travelers offers the lowest car insurance rates in Norfolk, with average annual premiums of $461 for minimum coverage and $915 for full coverage. Farm Bureau, Auto-Owners and Erie also offer affordable coverage in the city.
Car Insurance in Norfolk
Updated: August 29, 2025
Advertising & Editorial Disclosure
Key Takeaways
Norfolk's cheapest car insurance companies are Travelers, Farm Bureau and Auto-Owners, with savings up to 35% compared to the city average.
In Norfolk, monthly car insurance costs average $110 for full coverage and $61 for minimum coverage.
You'll find the best cheap auto insurance in Norfolk by comparing quotes from multiple sources and choosing the right level of coverage for your needs.
Who Has the Cheapest Car Insurance in Norfolk?
| Travelers | $38 | $76 | -35% |
| Farm Bureau | $43 | $81 | -30% |
| Auto-Owners | $45 | $81 | -29% |
| Mercury | $55 | $95 | -15% |
| Erie | $51 | $106 | -11% |
Cheapest Norfolk Car Insurance by Category
Travelers offers the lowest rates in four driver categories in Norfolk. Auto-Owners leads for drivers with old cars and speeding tickets, while Farm Bureau wins for young drivers and those with DUIs.
| 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 |
Compare the Cheapest Norfolk Car Insurance for You
Your driving record and personal details shape what you'll pay for car insurance. Check the table below to find insurers offering the best rates for your specific driver profile.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Male
Select
Coverage Level:State Minimum Liability Only
Select
Credit:Good
Select
Driving Record:Clean
| 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% |
Best Car Insurance Companies in Norfolk
Norfolk's highest-rated car insurance companies are Auto-Owners, Travelers, Erie and Farm Bureau. These insurers stand out for offering competitive rates, quality customer service and comprehensive coverage options.
| 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 |
Auto-Owners: Best Customer Service
pros
Top-rated customer satisfaction
Fast claims processing
Local agent support
cons
Limited add-on coverage options
Higher rates for some drivers
COMPANY HIGHLIGHTS
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.
Travelers: Most Affordable Overall
pros
Lowest rates in Norfolk
Multiple discount opportunities
Strong coverage options
cons
Average customer service ratings
Online platform needs improvement
COMPANY HIGHLIGHTS
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.
How Much Is Car Insurance in Norfolk?
In Norfolk, minimum coverage costs about $61 per month or $727 per year, ranking 851st out of all Virginia cities for affordability. Full coverage averages $110 monthly or $1,316 annually, ranking 770th among Virginia cities.
| Full Coverage | $110 | $1,316 |
| Minimum Coverage | $61 | $727 |
Norfolk Car Insurance Cost by Category
In Norfolk, monthly car insurance costs range from $57 to $317 depending on your driver profile. Check the table below to see rates for your category.
| Young Drivers | $153 | $275 |
| Adult Drivers | $61 | $110 |
| Senior Drivers | $88 | $148 |
| Drivers With an Accident | $93 | $165 |
| Drivers With a DUI | $117 | $204 |
| Drivers With a Speeding Ticket | $76 | $139 |
| Drivers With Bad Credit | $141 | $317 |
| Drivers With Newer Cars | $77 | $136 |
| Drivers With Old Cars | $57 | $101 |
Norfolk Car Insurance Costs by ZIP Code
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.
Data filtered by:Results filtered by:
Select
ZIP Code:23502
| 23502 | $57 | $106 |
Compare Personalized Norfolk Car Insurance Costs
Since your exact profile may differ from basic rate breakdowns, use the table below to filter Norfolk car insurance rates by your specific age, driving record and other personal factors.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Male
Select
Coverage Level:State Minimum Liability Only
Select
Credit:Good
Select
Driving Record:Clean
| $65 | $774 | 17% |
How to Get the Best Cheap Norfolk Car Insurance
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.
- 1
Know your coverage needs
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.
- 2
Explore different insurance types
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.
- 3
Check Norfolk insurance rates
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.
- 4
Stack up available discounts
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.
- 5
Research company reliability
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.
- 6
Get quotes from multiple providers
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.
- 7
Review coverage annually
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.
Cheapest Car Insurance in Norfolk: Bottom Line
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.
Cheap Norfolk Car Insurance: FAQ
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.
What is the cheapest car insurance company in Norfolk, Virginia?
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.
Who offers the best car insurance in Norfolk?
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.
What is the average cost of car insurance in Norfolk?
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.
Is car insurance in Norfolk expensive?
Car insurance in Norfolk costs more than average, ranking 851st for minimum coverage affordability and 770th for full coverage compared to other Virginia cities.
How We Chose the Best and Cheapest Car Insurance in Norfolk, VA
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:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
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:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
