Cheapest and Best Car Insurance Companies in Norfolk, VA

Your driving profile and needs will determine which car insurance firm offers the best rates. For example, Auto Owners Insurance Co may be the cheapest for drivers with speeding tickets and at-fault accidents, while those with DUIs may save the most money with State Farm. Meanwhile, teens may find the most affordable with Nationwide. For full or minimum coverage and military families, American Family is best, while Cincinnati Insurance is best for customer service.

The following insurance providers provide the most affordable liability-only policies in Norfolk:

• American Family: approximately $226 per year
• Mercury: approximately $298 per year

At around $260 annually, American Family is also Virginia's most affordable car insurance provider as of October 2022. The state cost is slightly more expensive than the city cost, showing how location can impact rates. Kemper is the priciest option at roughly $1,741 annually.

A minimum coverage policy in Virginia includes coverage for bodily injury liability, property damage liability, uninsured/underinsured motorist and uninsured/underinsured motorist property damage at the following limits:

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

If you have $50,000 in bodily injury liability insurance but the costs of medical expenses exceed this amount, you’ll have to pay the excess out of pocket.

In Norfolk, the most cost-effective providers of full auto insurance are:

• American Family: approximately $601 per year
• Auto-Owners Insurance Co: approximately $786 per year

American Family is also the cheapest across Virginia for full auto insurance, also costing around $666 annually as of October 2022. Kemper sits on the other end of the spectrum, at around $3,036 annually.

Comprehensive and collision insurance are two types of automobile insurance that can protect you from unforeseen expenses. These are added if you buy full coverage:

• Collision Insurance: This covers damage to your vehicle caused by an impact with another vehicle or object.
• Comprehensive Insurance: This covers damage to your vehicle from things other than a collision with another vehicle or object.

It may not be worth paying hundreds of dollars annually for extra coverage for an older vehicle.

Companies offering the most affordable auto insurance in Norfolk after driving offenses are:

• Speeding ticket: Auto-Owners Insurance Co (approximately $873 per year)
• At-fault accident: Auto-Owners Insurance Co (approximately $786 per year)
• DUI: State Farm (approximately $990 per year)

Kemper is the most expensive company for all types of driving offenses, at approximately $3,860 for speeding tickets, $4,547 for at-fault accidents and $3,185 for DUIs. The driver's past may have a major influence on premiums, and even the lowest insurer's rates for bad records are not competitive with the clean driver's rates.

In general, the more serious the infraction, the higher the associated premium, even for the cheapest car insurance for bad driving records. In Norfolk, drivers with tickets will pay around $417 more annually, while drivers with a DUI will pay roughly $665 more.

These are the Norfolk insurers offering the most cost-effective coverage for teenagers driving on their families' policies:

• Nationwide: approximately $1,223 per year for female teens and $1,360 per year for male teens
• State Farm: approximately $2,000 per year for female teens
• Auto-Owners Insurance Co: approximately $2,358 per year for male teens

Kemper is the most expensive, at around $10,980 for female teens and $13,681 for male teens. Insurers often charge young men higher premiums because they are seen to be riskier, but this disparity narrows in adulthood. Nationwide charges male teens around $137 more than female teens.

When a teen applies for their own insurance, they will pay higher premiums. If a 16-year-old boy gets his own insurance, he should expect to spend an average of $2,272 more each year in Norfolk. Shopping for the cheapest car insurance for teens is essential to save money.

Those in the Norfolk military community looking for affordable auto insurance may choose from the following companies:

• American Family: approximately $601 per year
• USAA: approximately $673 per year

For minimum coverage, American Family takes the lead as the most affordable company for military members, at around $226, followed by Mercury, at around $298. Mercury is cheaper than USAA for minimum policies.

In Norfolk, Virginia, you can acquire a car insurance quote online in approximately 15 minutes. You'll also be asked for some basic information about yourself and your vehicle. You’ll need to do this for each insurer, which can take a lot of time.

MoneyGeek’s car insurance calculator is worth trying. It's a quick and easy way to get a ballpark figure that factors in your age, car details, insurance needs and driving history.

How much you care about certain variables determines which auto insurance policy is ideal for you. The best insurance agencies in Norfolk, Virginia, are:

• Best overall: Cincinnati Insurance (MoneyGeek score 84 out of 100)
• Best for service: Cincinnati Insurance (MoneyGeek score 74 out of 100)
• Best cheap: Cincinnati Insurance (MoneyGeek score 84 out of 100)

Scores can change based on weightings in each category. Cincinnati Insurance is the top choice for auto insurance in Virginia. Another good option is USAA, which caters to the military community. MoneyGeek’s score for it is 84 out of 100.

The best companies overall for car insurance in Norfolk are:

• Cincinnati Insurance: MoneyGeek score 84 out of 100 (approximately $942 per year)
• Erie: MoneyGeek score 80 out of 100 (approximately $828 per year)

Cincinnati Insurance scores highly in satisfaction and affordability, showing that clients are not only extremely satisfied with the coverage and care they get, but they also find the pricing to be reasonable.

USAA is also a solid option for military families who are in the market for car insurance. USAA scores 84 out of 100 on MoneyGeek.

Excluding cost from our scoring system, the best companies for customer service in Norfolk are:

• Cincinnati Insurance: MoneyGeek score 74 out of 100 (approximately $942 per year)
• Erie: MoneyGeek score 70 out of 100 (approximately $828 per year)

Cincinnati Insurance ranks highly because of its excellent scores in satisfaction and coverage. It’s also relatively cheap, showing that the great service does come with somewhat of an affordable cost.

Based on an analysis of affordability and service quality for policies that meet Virginia’s minimum coverage requirements, the best companies in Norfolk are:

• Cincinnati Insurance: MoneyGeek score 84 out of 100 (approximately $412 per year)
• American Family: MoneyGeek score 83 out of 100 (approximately $226 per year)

Choosing the cheapest option may not be worth it in some cases. Your minimum coverage policy saves you dollars, but it has the least amount of protection from liabilities and almost no protection when it comes to damage to your own car in the event of an accident, which may cost you so much down the line.

Full coverage auto insurance in Norfolk typically costs about $1,036 annually. These costs are for full coverage insurance that covers you for $100,000 in bodily injury per person, $300,000 in bodily injury per accident and $100,000 in property damage per accident.

This is $96 more expensive than Virginia’s average cost of car insurance but $229 cheaper than the national car insurance cost median as of October 2022. Cost may be impacted by a number of variables, including location.