Compare Rates and Save on Auto Insurance

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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.

MoneyGeek Logo IconCheapest + BestCar InsuranceNorfolk
2023

Cheapest and Best Car Insurance in Norfolk, VA

Cheapest Minimum Liability Car Insurance in Norfolk

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.

Company
Annual Premium
Monthly Premium

American Family

$226

$19

American Family

$280

$23

Mercury

$298

$25

Mercury

$314

$26

American Family

$318

$27

Cincinnati Insurance

$388

$32

State Farm

$388

$32

Auto-Owners Insurance Co

$400

$33

State Farm

$411

$34

Cincinnati Insurance

$412

$34

Mercury

$429

$36

Erie

$435

$36

Erie

$439

$37

Nationwide

$441

$37

Travelers

$443

$37

Auto-Owners Insurance Co

$450

$38

Nationwide

$454

$38

Virginia Farm Bureau

$457

$38

Travelers

$468

$39

Virginia Farm Bureau

$469

$39

State Farm

$495

$41

Travelers

$496

$41

Auto-Owners Insurance Co

$508

$42

Erie

$554

$46

Nationwide

$561

$47

Virginia Farm Bureau

$571

$48

Allstate

$590

$49

American Family

$601

$50

Allstate

$612

$51

GEICO

$644

$54

Allstate

$662

$55

GEICO

$685

$57

Progressive

$712

$59

American Family

$714

$60

Progressive

$725

$60

GEICO

$733

$61

Nationwide

$742

$62

Cincinnati Insurance

$772

$64

Auto-Owners Insurance Co

$786

$65

Nationwide

$790

$66

Erie

$819

$68

National General

$822

$69

National General

$825

$69

American Family

$828

$69

Erie

$828

$69

Auto-Owners Insurance Co

$830

$69

State Farm

$832

$69

Progressive

$837

$70

Cincinnati Insurance

$851

$71

Mercury

$853

$71

Mercury

$896

$75

State Farm

$899

$75

Virginia Farm Bureau

$919

$77

Travelers

$922

$77

Travelers

$940

$78

Cincinnati Insurance

$942

$79

Nationwide

$946

$79

Virginia Farm Bureau

$1,001

$83

Virginia Farm Bureau

$1,038

$87

National General

$1,050

$87

Erie

$1,052

$88

Auto-Owners Insurance Co

$1,071

$89

Travelers

$1,099

$92

Progressive

$1,113

$93

Allstate

$1,118

$93

State Farm

$1,119

$93

Progressive

$1,126

$94

Allstate

$1,174

$98

Allstate

$1,181

$98

Mercury

$1,243

$104

GEICO

$1,317

$110

GEICO

$1,327

$111

Progressive

$1,359

$113

GEICO

$1,538

$128

Cincinnati Insurance

$1,725

$144

Kemper

$1,741

$145

National General

$1,789

$149

Kemper

$1,797

$150

National General

$1,909

$159

Kemper

$1,967

$164

National General

$2,322

$194

Kemper

$3,036

$253

Kemper

$3,064

$255

Kemper

$3,515

$293

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.

Cheapest Full Coverage Car Insurance in Norfolk

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.

Company
Annual Premium
Monthly Premium

American Family

$226

$19

American Family

$280

$23

Mercury

$298

$25

Mercury

$314

$26

American Family

$318

$27

Cincinnati Insurance

$388

$32

State Farm

$388

$32

Auto-Owners Insurance Co

$400

$33

State Farm

$411

$34

Cincinnati Insurance

$412

$34

Mercury

$429

$36

Erie

$435

$36

Erie

$439

$37

Nationwide

$441

$37

Travelers

$443

$37

Auto-Owners Insurance Co

$450

$38

Nationwide

$454

$38

Virginia Farm Bureau

$457

$38

Travelers

$468

$39

Virginia Farm Bureau

$469

$39

State Farm

$495

$41

Travelers

$496

$41

Auto-Owners Insurance Co

$508

$42

Erie

$554

$46

Nationwide

$561

$47

Virginia Farm Bureau

$571

$48

Allstate

$590

$49

American Family

$601

$50

Allstate

$612

$51

GEICO

$644

$54

Allstate

$662

$55

GEICO

$685

$57

Progressive

$712

$59

American Family

$714

$60

Progressive

$725

$60

GEICO

$733

$61

Nationwide

$742

$62

Cincinnati Insurance

$772

$64

Auto-Owners Insurance Co

$786

$65

Nationwide

$790

$66

Erie

$819

$68

National General

$822

$69

National General

$825

$69

American Family

$828

$69

Erie

$828

$69

Auto-Owners Insurance Co

$830

$69

State Farm

$832

$69

Progressive

$837

$70

Cincinnati Insurance

$851

$71

Mercury

$853

$71

Mercury

$896

$75

State Farm

$899

$75

Virginia Farm Bureau

$919

$77

Travelers

$922

$77

Travelers

$940

$78

Cincinnati Insurance

$942

$79

Nationwide

$946

$79

Virginia Farm Bureau

$1,001

$83

Virginia Farm Bureau

$1,038

$87

National General

$1,050

$87

Erie

$1,052

$88

Auto-Owners Insurance Co

$1,071

$89

Travelers

$1,099

$92

Progressive

$1,113

$93

Allstate

$1,118

$93

State Farm

$1,119

$93

Progressive

$1,126

$94

Allstate

$1,174

$98

Allstate

$1,181

$98

Mercury

$1,243

$104

GEICO

$1,317

$110

GEICO

$1,327

$111

Progressive

$1,359

$113

GEICO

$1,538

$128

Cincinnati Insurance

$1,725

$144

Kemper

$1,741

$145

National General

$1,789

$149

Kemper

$1,797

$150

National General

$1,909

$159

Kemper

$1,967

$164

National General

$2,322

$194

Kemper

$3,036

$253

Kemper

$3,064

$255

Kemper

$3,515

$293

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.

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Cheapest Car Insurance in Norfolk After a Driving Offense

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.

Company
Annual Premium
Monthly Premium

American Family

$309

$26

American Family

$316

$26

American Family

$396

$33

Auto-Owners Insurance Co

$400

$33

American Family

$407

$34

American Family

$430

$36

State Farm

$435

$36

State Farm

$435

$36

Auto-Owners Insurance Co

$446

$37

Mercury

$447

$37

American Family

$447

$37

Cincinnati Insurance

$449

$37

Auto-Owners Insurance Co

$450

$38

American Family

$456

$38

State Farm

$460

$38

State Farm

$460

$38

Mercury

$464

$39

Cincinnati Insurance

$472

$39

Mercury

$473

$39

State Farm

$475

$40

Mercury

$492

$41

Auto-Owners Insurance Co

$501

$42

Erie

$502

$42

State Farm

$503

$42

Auto-Owners Insurance Co

$508

$42

Erie

$508

$42

Cincinnati Insurance

$526

$44

Cincinnati Insurance

$550

$46

State Farm

$554

$46

State Farm

$554

$46

Nationwide

$554

$46

Virginia Farm Bureau

$564

$47

Auto-Owners Insurance Co

$569

$47

Nationwide

$569

$47

American Family

$569

$47

Virginia Farm Bureau

$579

$48

Travelers

$581

$48

State Farm

$606

$51

Travelers

$608

$51

Travelers

$613

$51

Travelers

$642

$54

Erie

$643

$54

Erie

$646

$54

Virginia Farm Bureau

$647

$54

Mercury

$647

$54

Erie

$651

$54

American Family

$655

$55

Travelers

$655

$55

Nationwide

$656

$55

Virginia Farm Bureau

$664

$55

Mercury

$668

$56

Mercury

$673

$56

Nationwide

$674

$56

Virginia Farm Bureau

$684

$57

Nationwide

$687

$57

Travelers

$696

$58

Travelers

$698

$58

Auto-Owners Insurance Co

$701

$58

Virginia Farm Bureau

$703

$59

Virginia Farm Bureau

$704

$59

Mercury

$707

$59

Travelers

$733

$61

GEICO

$753

$63

Allstate

$764

$64

Nationwide

$783

$65

Auto-Owners Insurance Co

$785

$65

Auto-Owners Insurance Co

$786

$65

Erie

$790

$66

Travelers

$791

$66

Erie

$794

$66

Allstate

$795

$66

Nationwide

$801

$67

GEICO

$801

$67

Virginia Farm Bureau

$814

$68

Nationwide

$816

$68

Erie

$829

$69

Auto-Owners Insurance Co

$830

$69

GEICO

$835

$70

American Family

$837

$70

Allstate

$861

$72

Allstate

$863

$72

Virginia Farm Bureau

$865

$72

Auto-Owners Insurance Co

$873

$73

American Family

$877

$73

Allstate

$897

$75

Cincinnati Insurance

$898

$75

State Farm

$918

$76

State Farm

$918

$76

Auto-Owners Insurance Co

$920

$77

Auto-Owners Insurance Co

$924

$77

Nationwide

$927

$77

Erie

$941

$78

Progressive

$942

$78

Nationwide

$942

$79

Erie

$951

$79

GEICO

$962

$80

Progressive

$970

$81

Mercury

$973

$81

Allstate

$973

$81

Nationwide

$980

$82

Cincinnati Insurance

$990

$82

State Farm

$990

$83

State Farm

$990

$83

State Farm

$992

$83

Erie

$1,016

$85

Allstate

$1,024

$85

Progressive

$1,025

$85

GEICO

$1,032

$86

GEICO

$1,049

$87

American Family

$1,054

$88

American Family

$1,054

$88

Cincinnati Insurance

$1,060

$88

Progressive

$1,064

$89

Allstate

$1,068

$89

State Farm

$1,069

$89

Auto-Owners Insurance Co

$1,071

$89

Nationwide

$1,085

$90

Progressive

$1,087

$91

Cincinnati Insurance

$1,096

$91

Progressive

$1,103

$92

National General

$1,105

$92

Progressive

$1,116

$93

American Family

$1,133

$94

Cincinnati Insurance

$1,138

$95

Nationwide

$1,147

$96

Nationwide

$1,153

$96

Allstate

$1,165

$97

Cincinnati Insurance

$1,168

$97

Virginia Farm Bureau

$1,169

$97

Erie

$1,193

$99

Auto-Owners Insurance Co

$1,198

$100

Erie

$1,203

$100

Erie

$1,209

$101

Cincinnati Insurance

$1,210

$101

Mercury

$1,219

$102

American Family

$1,232

$103

Progressive

$1,233

$103

State Farm

$1,237

$103

State Farm

$1,237

$103

Virginia Farm Bureau

$1,244

$104

American Family

$1,250

$104

National General

$1,254

$105

Progressive

$1,263

$105

Mercury

$1,265

$105

Virginia Farm Bureau

$1,282

$107

Cincinnati Insurance

$1,289

$107

Mercury

$1,291

$108

Nationwide

$1,292

$108

Travelers

$1,312

$109

Virginia Farm Bureau

$1,317

$110

Virginia Farm Bureau

$1,321

$110

State Farm

$1,340

$112

Mercury

$1,342

$112

Nationwide

$1,355

$113

Nationwide

$1,355

$113

Auto-Owners Insurance Co

$1,367

$114

Travelers

$1,370

$114

Travelers

$1,370

$114

National General

$1,373

$114

Virginia Farm Bureau

$1,418

$118

Travelers

$1,436

$120

Travelers

$1,437

$120

Allstate

$1,445

$120

Erie

$1,448

$121

Auto-Owners Insurance Co

$1,455

$121

Erie

$1,457

$121

Virginia Farm Bureau

$1,476

$123

GEICO

$1,485

$124

Travelers

$1,498

$125

Travelers

$1,510

$126

American Family

$1,515

$126

Allstate

$1,520

$127

Progressive

$1,522

$127

Progressive

$1,529

$127

Allstate

$1,537

$128

Erie

$1,540

$128

Virginia Farm Bureau

$1,544

$129

Nationwide

$1,563

$130

GEICO

$1,570

$131

Travelers

$1,580

$132

GEICO

$1,590

$133

GEICO

$1,608

$134

Progressive

$1,612

$134

Allstate

$1,621

$135

Virginia Farm Bureau

$1,624

$135

Progressive

$1,629

$136

Travelers

$1,650

$138

Allstate

$1,707

$142

National General

$1,709

$142

National General

$1,709

$142

Allstate

$1,727

$144

GEICO

$1,740

$145

Mercury

$1,769

$147

American Family

$1,776

$148

GEICO

$1,779

$148

Progressive

$1,784

$149

Progressive

$1,790

$149

Mercury

$1,808

$151

Progressive

$1,809

$151

Kemper

$1,825

$152

Mercury

$1,866

$156

Erie

$1,869

$156

Mercury

$1,873

$156

Kemper

$1,883

$157

Auto-Owners Insurance Co

$1,921

$160

Allstate

$1,921

$160

Progressive

$1,942

$162

Cincinnati Insurance

$2,019

$168

Allstate

$2,021

$168

GEICO

$2,032

$169

National General

$2,044

$170

National General

$2,044

$170

Allstate

$2,060

$172

Kemper

$2,062

$172

GEICO

$2,076

$173

National General

$2,087

$174

National General

$2,087

$174

Progressive

$2,089

$174

GEICO

$2,171

$181

Kemper

$2,244

$187

Cincinnati Insurance

$2,372

$198

Cincinnati Insurance

$2,393

$199

Kemper

$2,401

$200

Kemper

$2,539

$212

National General

$2,554

$213

Kemper

$2,576

$215

Cincinnati Insurance

$2,607

$217

Mercury

$2,621

$218

Kemper

$2,758

$230

Cincinnati Insurance

$2,906

$242

Kemper

$2,917

$243

National General

$3,061

$255

GEICO

$3,116

$260

GEICO

$3,156

$263

Kemper

$3,185

$265

National General

$3,207

$267

Kemper

$3,213

$268

GEICO

$3,331

$278

National General

$3,585

$299

National General

$3,585

$299

Kemper

$3,688

$307

Kemper

$3,860

$322

Kemper

$4,006

$334

National General

$4,363

$364

National General

$4,363

$364

National General

$4,408

$367

National General

$4,408

$367

Kemper

$4,479

$373

Kemper

$4,547

$379

Kemper

$4,708

$392

Kemper

$5,291

$441

Cincinnati Insurance

$5,438

$453

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.

Cheapest Car Insurance in Norfolk for Teens and Their Families

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Nationwide

$780

$1,433

Nationwide

$791

$1,528

Nationwide

$816

$1,905

Nationwide

$854

$2,127

Nationwide

$871

$1,601

Nationwide

$886

$1,788

Travelers

$896

$1,752

Nationwide

$914

$1,767

Nationwide

$919

$1,689

Nationwide

$924

$1,984

Nationwide

$966

$1,868

Travelers

$970

$1,830

Travelers

$1,014

$1,983

Travelers

$1,020

$2,196

Travelers

$1,050

$2,054

State Farm

$1,068

$1,725

Nationwide

$1,117

$3,163

Travelers

$1,120

$2,113

Travelers

$1,153

$2,399

Nationwide

$1,155

$3,700

Travelers

$1,158

$2,521

Auto-Owners Insurance Co

$1,174

$3,114

Auto-Owners Insurance Co

$1,177

$2,949

Nationwide

$1,178

$2,749

State Farm

$1,190

$1,921

Allstate

$1,198

$2,055

Travelers

$1,207

$2,277

Allstate

$1,215

$2,033

Nationwide

$1,223

$4,067

State Farm

$1,229

$1,942

Nationwide

$1,233

$3,869

Auto-Owners Insurance Co

$1,244

$3,299

Nationwide

$1,244

$3,986

State Farm

$1,248

$2,320

Auto-Owners Insurance Co

$1,282

$3,211

Nationwide

$1,286

$4,479

Nationwide

$1,291

$3,216

State Farm

$1,296

$2,093

Auto-Owners Insurance Co

$1,297

$3,815

Allstate

$1,313

$2,364

State Farm

$1,328

$2,513

Auto-Owners Insurance Co

$1,332

$3,533

Allstate

$1,335

$2,289

Allstate

$1,341

$2,301

Travelers

$1,355

$2,812

Travelers

$1,356

$2,821

Nationwide

$1,360

$4,912

Auto-Owners Insurance Co

$1,362

$3,949

Travelers

$1,362

$3,285

Nationwide

$1,384

$4,818

State Farm

$1,386

$2,190

Auto-Owners Insurance Co

$1,411

$3,533

Allstate

$1,415

$2,494

Auto-Owners Insurance Co

$1,430

$4,509

Progressive

$1,448

$2,122

Allstate

$1,457

$2,632

State Farm

$1,467

$2,728

Auto-Owners Insurance Co

$1,494

$4,090

Progressive

$1,507

$2,204

Allstate

$1,518

$2,541

State Farm

$1,522

$3,247

State Farm

$1,523

$2,881

Allstate

$1,524

$2,550

State Farm

$1,526

$2,411

Travelers

$1,553

$4,100

Allstate

$1,567

$2,777

Travelers

$1,615

$3,350

Auto-Owners Insurance Co

$1,626

$4,452

Travelers

$1,629

$3,976

State Farm

$1,629

$3,028

Auto-Owners Insurance Co

$1,640

$4,928

Auto-Owners Insurance Co

$1,678

$5,290

Auto-Owners Insurance Co

$1,691

$6,194

Progressive

$1,731

$2,533

State Farm

$1,744

$3,714

Progressive

$1,750

$2,564

Progressive

$1,781

$2,918

Progressive

$1,793

$2,961

Allstate

$1,793

$3,685

Allstate

$1,874

$3,304

Auto-Owners Insurance Co

$1,876

$5,481

Progressive

$1,893

$2,769

State Farm

$1,909

$4,062

State Farm

$1,912

$3,553

Travelers

$1,920

$5,056

Travelers

$1,927

$5,089

Progressive

$1,952

$2,861

GEICO

$1,957

$3,831

Allstate

$1,991

$4,111

State Farm

$1,991

$4,242

GEICO

$1,992

$3,662

Progressive

$1,998

$3,162

State Farm

$2,000

$4,827

GEICO

$2,014

$2,797

Travelers

$2,016

$6,786

Auto-Owners Insurance Co

$2,038

$6,372

Auto-Owners Insurance Co

$2,055

$6,003

GEICO

$2,068

$2,690

GEICO

$2,072

$2,878

Allstate

$2,072

$4,150

Allstate

$2,086

$3,699

GEICO

$2,106

$2,740

Auto-Owners Insurance Co

$2,122

$7,238

Progressive

$2,155

$3,370

GEICO

$2,180

$3,028

GEICO

$2,181

$3,415

State Farm

$2,209

$4,643

GEICO

$2,234

$3,286

GEICO

$2,239

$2,913

Progressive

$2,248

$3,557

Progressive

$2,252

$3,975

Allstate

$2,299

$4,650

Auto-Owners Insurance Co

$2,348

$8,008

Auto-Owners Insurance Co

$2,358

$8,886

Travelers

$2,427

$6,390

Allstate

$2,436

$4,878

GEICO

$2,474

$5,649

State Farm

$2,524

$5,305

Progressive

$2,534

$4,485

State Farm

$2,535

$6,037

Travelers

$2,554

$8,733

Progressive

$2,577

$4,029

GEICO

$2,577

$5,044

GEICO

$2,578

$5,541

GEICO

$2,604

$7,335

Progressive

$2,667

$9,238

Allstate

$2,677

$7,051

Allstate

$2,703

$5,467

GEICO

$2,725

$7,102

GEICO

$2,727

$5,013

Progressive

$2,960

$10,344

Allstate

$2,968

$7,891

GEICO

$3,024

$8,517

Progressive

$3,071

$11,773

Progressive

$3,150

$10,912

GEICO

$3,173

$10,953

GEICO

$3,225

$8,404

Progressive

$3,373

$12,978

GEICO

$3,380

$10,916

Progressive

$3,445

$12,037

Kemper

$3,542

$4,324

Kemper

$4,163

$4,855

Kemper

$4,187

$5,586

Kemper

$4,244

$5,181

Kemper

$4,385

$5,352

Kemper

$5,161

$6,018

Kemper

$5,179

$6,910

Kemper

$5,406

$6,213

Kemper

$5,466

$6,375

Kemper

$6,514

$7,486

Kemper

$6,618

$9,117

Kemper

$6,711

$7,689

Kemper

$7,698

$11,077

Kemper

$8,066

$9,241

Kemper

$8,204

$11,266

Kemper

$9,586

$13,722

Kemper

$9,801

$14,104

Kemper

$10,980

$22,220

Kemper

$12,200

$17,463

Kemper

$13,681

$27,565

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.

Cheapest Car Insurance in Norfolk for Military Drivers

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.

Company
Annual Premium
Monthly Premium

American Family

$226

$19

American Family

$280

$23

Mercury

$298

$25

Mercury

$314

$26

American Family

$318

$27

USAA

$328

$27

USAA

$345

$29

Cincinnati Insurance

$388

$32

State Farm

$388

$32

Auto-Owners Insurance Co

$400

$33

State Farm

$411

$34

Cincinnati Insurance

$412

$34

USAA

$417

$35

Mercury

$429

$36

Erie

$435

$36

Erie

$439

$37

Nationwide

$441

$37

Travelers

$443

$37

Auto-Owners Insurance Co

$450

$38

Nationwide

$454

$38

Virginia Farm Bureau

$457

$38

Travelers

$468

$39

Virginia Farm Bureau

$469

$39

State Farm

$495

$41

Travelers

$496

$41

Auto-Owners Insurance Co

$508

$42

Erie

$554

$46

Nationwide

$561

$47

Virginia Farm Bureau

$571

$48

Allstate

$590

$49

American Family

$601

$50

Allstate

$612

$51

GEICO

$644

$54

Allstate

$662

$55

USAA

$670

$56

USAA

$673

$56

GEICO

$685

$57

Progressive

$712

$59

American Family

$714

$60

Progressive

$725

$60

GEICO

$733

$61

Nationwide

$742

$62

Cincinnati Insurance

$772

$64

Auto-Owners Insurance Co

$786

$65

Nationwide

$790

$66

Erie

$819

$68

National General

$822

$69

National General

$825

$69

American Family

$828

$69

Erie

$828

$69

Auto-Owners Insurance Co

$830

$69

State Farm

$832

$69

Progressive

$837

$70

Cincinnati Insurance

$851

$71

Mercury

$853

$71

USAA

$870

$73

Mercury

$896

$75

State Farm

$899

$75

Virginia Farm Bureau

$919

$77

Travelers

$922

$77

Travelers

$940

$78

Cincinnati Insurance

$942

$79

Nationwide

$946

$79

Virginia Farm Bureau

$1,001

$83

Virginia Farm Bureau

$1,038

$87

National General

$1,050

$87

Erie

$1,052

$88

Auto-Owners Insurance Co

$1,071

$89

Travelers

$1,099

$92

Progressive

$1,113

$93

Allstate

$1,118

$93

State Farm

$1,119

$93

Progressive

$1,126

$94

Allstate

$1,174

$98

Allstate

$1,181

$98

Mercury

$1,243

$104

GEICO

$1,317

$110

GEICO

$1,327

$111

Progressive

$1,359

$113

GEICO

$1,538

$128

Cincinnati Insurance

$1,725

$144

Kemper

$1,741

$145

National General

$1,789

$149

Kemper

$1,797

$150

National General

$1,909

$159

Kemper

$1,967

$164

National General

$2,322

$194

Kemper

$3,036

$253

Kemper

$3,064

$255

Kemper

$3,515

$293

How to Compare Cheap Norfolk Car Insurance Quotes Online

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.

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USAA

Best Car Insurance in Norfolk: Summary

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.

Best Overall Car Insurance in Norfolk

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.

How was this MoneyGeek score calculated?

Cincinnati Insurance

pros

High scores in both affordability

Excellent satisfactions cores

Offers glass deductible modification, lock replacement and new car replacement

cons

Does not offer accident forgiveness

Low claims management score

COMPANY HIGHLIGHTS

Along with its excellent service and rates, Cincinnati Insurance’s coverage options are competitive. Its glass deductible modification ensures that any glass replacement after an insured loss will not count toward your policy's deductible. If you lose your car keys or have your them stolen, Cincinnati Insurance’s lock replacement will reimburse you up to $1,500 to replace your locks as long as you provide written notice within 72 hours of discovering the loss.

The company's brand-new car replacement service is another strong selling point. Whether your loss is the result of a covered total collision or other-than-collision loss, you will get a brand-new vehicle as compensation (excluding fire, theft, vandalism or damage to your auto while stolen). Whenever possible, it'll provide you with a new one that's identical to your car.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

Best Car Insurance in Norfolk for Customer Service

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.

How was this MoneyGeek score calculated?

Cincinnati Insurance

pros

Scores the highest in terms of satisfaction

Good coverage score

Offers gap insurance, classic car and safety restraint benefit coverages

cons

Not the cheapest company in the market

Doesn’t offer original equipment manufacturer (OEM) coverage

Lower claims management score

COMPANY HIGHLIGHTS

Cincinnati Insurance's high rate of satisfied customers is a good indicator that you won't be disappointed if you choose to get insurance from them. After a covered loss, its optional gap insurance coverage will help you pay off the rest of your car loan or lease. What this means is that if you acquired gap insurance when you bought your automobile and then had it stolen, the insurance company would pay out the remaining balance on your loan.

Your medical payment coverage will also be raised by the value of the child safety restraint seat or seat belt if you or a passenger in your covered vehicle are injured in an accident while using one. Capstone Collection Car Insurance may also appeal to consumers who are looking for flexible coverage alternatives to safeguard their vintage vehicles.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

Best Cheap Car Insurance in Norfolk

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.

How was this MoneyGeek score calculated?

Cincinnati Insurance

pros

An affordable minimum coverage policy costs $412 per year

Discounts including for multiple cars, airbags and safe driving

High rating for satisfaction

cons

Doesn’t have automatic payment or driver’s education discounts

Could use some improvement in claims handling

COMPANY HIGHLIGHTS

Cincinnati Insurance’s minimum coverage policies are one of the most affordable in the market, which makes them even more attractive due to their high satisfaction rating. If you're a Cincinnati Insurance customer, you can expect to save money on car insurance through its several discounts. You could reduce your premiums by installing and properly maintaining safety equipment in your auto, such as an airbag and an anti-lock system. This may help you remain safe on the road. Additionally, if you have fewer accidents than the average driver, you could qualify for a discount on your premiums.

A combination policy is also another good way to reduce premiums and is often more affordable than separate policies. Cincinnati Insurance offers discounts for bundling home and auto insurance.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

Average Cost of Car Insurance in Norfolk

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.