Cheapest and Best Car Insurance Companies in Norfolk, VA


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Updated: May 20, 2024

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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.

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2024

Cheapest and Best Car Insurance in Norfolk, VA

Why Trust MoneyGeek? MoneyGeek evaluated statistics and information from the Virginia department of nsurance and Quadrant Information Services to get prices for vehicle insurance in Norfolk. MoneyGeek used its own grading methodology to evaluate insurance companies.

68,805Quotes Analyzed
 
15Companies Compared

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
American FamilyAnnual Premium$226Monthly Premium$19
MercuryAnnual Premium$298Monthly Premium$25
Auto-Owners Insurance CoAnnual Premium$400Monthly Premium$33
State FarmAnnual Premium$411Monthly Premium$34
Cincinnati InsuranceAnnual Premium$412Monthly Premium$34
ErieAnnual Premium$439Monthly Premium$37
TravelersAnnual Premium$443Monthly Premium$37
NationwideAnnual Premium$454Monthly Premium$38

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
American FamilyAnnual Premium$601Monthly Premium$50
Auto-Owners Insurance CoAnnual Premium$786Monthly Premium$65
NationwideAnnual Premium$790Monthly Premium$66
ErieAnnual Premium$828Monthly Premium$69
MercuryAnnual Premium$896Monthly Premium$75
State FarmAnnual Premium$899Monthly Premium$75
Virginia Farm BureauAnnual Premium$919Monthly Premium$77
TravelersAnnual Premium$940Monthly Premium$78

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
Auto-Owners Insurance CoAnnual Premium$873Monthly Premium$73
American FamilyAnnual Premium$877Monthly Premium$73
ErieAnnual Premium$951Monthly Premium$79
NationwideAnnual Premium$980Monthly Premium$82
State FarmAnnual Premium$990Monthly Premium$83
Cincinnati InsuranceAnnual Premium$1,096Monthly Premium$91
TravelersAnnual Premium$1,312Monthly Premium$109
MercuryAnnual Premium$1,342Monthly Premium$112

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$1,223Individual Plan Monthly Premium$4,067
State FarmFamily Plan Annual Premium$2,000Individual Plan Monthly Premium$4,827
TravelersFamily Plan Annual Premium$2,016Individual Plan Monthly Premium$6,786
Auto-Owners Insurance CoFamily Plan Annual Premium$2,038Individual Plan Monthly Premium$6,372
AllstateFamily Plan Annual Premium$2,677Individual Plan Monthly Premium$7,051
ProgressiveFamily Plan Annual Premium$3,071Individual Plan Monthly Premium$11,773
GEICOFamily Plan Annual Premium$3,173Individual Plan Monthly Premium$10,953
KemperFamily Plan Annual Premium$10,980Individual Plan Monthly Premium$22,220

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
American FamilyAnnual Premium$601Monthly Premium$50
USAAAnnual Premium$673Monthly Premium$56
Auto-Owners Insurance CoAnnual Premium$786Monthly Premium$65
NationwideAnnual Premium$790Monthly Premium$66
ErieAnnual Premium$828Monthly Premium$69
MercuryAnnual Premium$896Monthly Premium$75
State FarmAnnual Premium$899Monthly Premium$75
Virginia Farm BureauAnnual Premium$919Monthly Premium$77

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.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Jul 12, 2024

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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

checkmark

High scores in both affordability

checkmark

Excellent satisfactions cores

checkmark

Offers glass deductible modification, lock replacement and new car replacement

cons

close

Does not offer accident forgiveness

close

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

checkmark

Scores the highest in terms of satisfaction

checkmark

Good coverage score

checkmark

Offers gap insurance, classic car and safety restraint benefit coverages

cons

close

Not the cheapest company in the market

close

Doesn’t offer original equipment manufacturer (OEM) coverage

close

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

checkmark

An affordable minimum coverage policy costs $412 per year

checkmark

Discounts including for multiple cars, airbags and safe driving

checkmark

High rating for satisfaction

cons

close

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

close

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 has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.