Best Norfolk, VA Auto Insurance in 2025 (Find the Top 10 Companies Here)
The best Norfolk, VA auto insurance providers are State Farm, Geico, and Progressive, with starting rates of $38 per month. State Farm offers 17% bundling discounts and reliable coverage. While Geico provides affordable rates for drivers in Norfolk, VA, Progressive is known for flexible policies.
Free Auto Insurance Comparison
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Mar 26, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
18,154 reviewsCompany Facts
Full coverage in Norfolk VA
A.M. Best Rating
Complaint Level
Pros & Cons
18,154 reviews
19,116 reviewsCompany Facts
Full coverage in Norfolk VA
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
13,283 reviewsCompany Facts
Full coverage in Norfolk VA
A.M. Best Rating
Complaint Level
Pros & Cons
13,283 reviewsState Farm, Geico, and Progressive offer the best Norfolk, VA auto insurance, with starting rates of $38 per month for budget-friendly premiums.
These top providers offer a variety of coverage options, affordable rates, and family plans for drivers in Norfolk, VA.
Our Top 10 Company Picks: Best Norfolk, VA Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Reliable Coverage | State Farm |
 | #2 | 25% | A++ | Affordable Rates | Geico |
 | #3 | 10% | A+ | Flexible Policies | Progressive |
 | #4 | 25% | A+ | Comprehensive Plans | Allstate |
 | #5 | 20% | A+ | Policy Bundling | Nationwide |
 | #6 | 13% | A++ | Diverse Coverage | Travelers |
 | #7 | 25% | A | Custom Policies | Liberty Mutual |
 | #8 | 20% | A | Personalized Service | Farmers |
 | #9 | 25% | A | Family Plans | American Family |
 | #10 | 25% | A+ | Budget Coverage | Erie |
Discover our car insurance guide by entering your ZIP code to explore the different cheap car insurance rates while saving big with top providers in Norfolk, VA.
- The best Norfolk, VA insurance are State Farm, Geico, and Progressive
- State Farm offers reliable coverage starting at about $45 monthly
- Geico is known for cheap rates and Progressive is for flexible policies
#1 – State Farm: Top Overall Pick
Pros
- Bundling Benefits: State Farm offers up to 17% savings when bundling auto insurance with other coverages like renters’ or homeowners’ insurance.
- Top-Notch Support: Known for exceptional customer service, offering quick, reliable help with claims and policy management, making it a top choice for personal attention.
- Strong Reputation: With a history of financial stability and high customer satisfaction, State Farm provides peace of mind for policyholders who value reliability and trust.
Cons
- Limited savings Options: Offers fewer specialized discounts than competitors, limiting savings for demographics like young drivers or eco-friendly vehicle owners.
- Credit Impact: According to our State Farm auto insurance review, higher premiums for lower credit scores make it less competitive for those improving their finances.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
#2 – Geico: Best for Affordable Rates
Pros
- Budget-friendly Rates: Well known for providing some of the lowest prices for auto insurance, particularly for drivers with clean records and minimal risk factors.
- Tech-Savvy Platform: Geico’s app and website make it easy to manage policies, file claims, and get support anytime. To see more, read our Geico insurance review.
- Reward Discounts: Provides discounts for safe driving, military service, and vehicle safety features, helping customers lower their premiums even further.
Cons
- Personal Touch Lacking: Geico’s digital focus may leave some customers seeking more personalized service.
- Penalty for Risky Drivers: Premiums for drivers with past accidents or traffic violations may face higher insurance premiums, making insurance expensive for high-risk people.
#3 – Progressive: Best for Flexible Policies
Pros
- Flexible Coverage: Allows policyholders to customize auto insurance with add-ons like gap and rideshare coverage.
- Innovative Tracking Program: Monitors driving patterns and offers policyholders discounts for safe driving, allowing them to reduce their premiums in response to responsible driving.
- Leniency for Past Mistakes: Offers competitive rates to drivers with past accidents or violations, appealing to those seeking affordable insurance.
Cons
- Inconsistent Assistance: While generally well-rated, Progressive’s customer service can be inconsistent, leading to frustration during claims or support.
- Costlier for Young Drivers: Higher rates for young drivers make it less appealing for teens and students. See more of it by reading our Progressive auto insurance review.
#4 – Allstate: Best for Comprehensive Plans
Pros
- Protection: Offers a wide range of coverage options, like roadside assistance and accident forgiveness, providing drivers with a comprehensive policy.
- Wide Discount Range: Offers discounts for safe driving, bundling, and anti-theft devices, saving on coverage. To see more, read our Allstate insurance review.
- Financial Strength: Progressive offers competitive rates to drivers with accidents or violations, appealing to those seeking affordable insurance.
Cons
- Premium Cost Concerns: Allstate’s rates can be higher than competitors, especially for drivers without discounts or limited driving history.
- Slow claims process: Some customers report delays and inefficiencies in claims, leading to frustration and longer resolution times.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
#5 – Nationwide: Best for Policy Bundling
Pros
- Bundling Advantage: Offers significant savings when bundling auto with home or renters insurance, lowering overall costs and improving financial management.
- Vanishing Deductible Perk: As mentioned in our Nationwide insurance review, the vanishing deductible lets safe drivers lower their deductible over time, reducing claim costs.
- Reliable Reputation: Nationwide has strong financial stability and good customer reviews.
Cons
- Limited Coverage Areas: Not available in all states, which can be a disadvantage for customers who relocate or need coverage in specific regions.
- Tech Limitations: Nationwide’s online platform and app are less advanced, making policy management and claims filing less convenient for tech-savvy users.
#6 – Travelers: Best for travelers Coverage
Pros
- Ideal for Frequent Drivers: Known for serving high-mileage drivers with comprehensive coverage for rentals and long trips.
- Attractive Discounts: Offer many discounts, such as savings for combining policies, having a safe driving record, and using eco-friendly vehicles.
- Flexible Payment Options: Policyholders can manage their money with Travelers’ customizable payment options, which include monthly, quarterly, and annual plans.
Cons
- Costly for High-Risk Drivers: Travelers’ premiums are higher for individuals with poor driving records or multiple violations.. To understand better, read our Travelers insurance review.
- Sparse Local Agent Network: Fewer local agents than competitors, which can be challenging for policyholders seeking personal assistance with claims and policy changes.
#7 – Liberty Mutual: Best for Custom Policies
Pros
- Customizable Coverage: Offers personalized insurance policies with flexible coverage options for standard vehicles, RVs, and motorcycles. See more of it by reading our Liberty Mutual insurance review.
- Accident Forgiveness Program: Accident forgiveness program prevents rate increases after the first at-fault accident, helping drivers avoid extra costs for minor accidents.
- Specialty Vehicle Coverage: Covers specialty vehicles like RVs, motorcycles, and classic cars, offering comprehensive protection for unique or high-value vehicles.
Cons
- Higher Rates for Young Drivers: Charges higher premiums for younger, less-experienced drivers, making it harder for teens and college students to find affordable coverage.
- Limited Discount Variety: Offers fewer discounts than other insurers, limiting potential savings on premiums through safe driving or bundling.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
#8 – Farmers Insurance: Best for Personalized Service
Pros
- Personalized Experience: Offers personalized service with local agents. These agents give expert advice and suggest policies that fit customers’ needs.
- Rideshare Coverage Option: Farmers Insurance provides rideshare coverage, filling gaps left by personal auto insurance for Uber and Lyft drivers. To learn more, view Farmers insurance review.
- Diverse Discount Opportunities: Offers discounts for safe driving, homeownership, and bundling, helping policyholders lower premiums while keeping comprehensive coverage.
Cons
- Higher Rates for Risky Drivers: Charges higher premiums for drivers with poor records or multiple claims, making it less competitive for high-risk individuals.
- Limited Online Tools: Farmers Insurance’s online platform is less robust than some competitors, which may inconvenience policyholders who prefer managing accounts digitally.
#9 – American Family Insurance: Best for Family Plans
Pros
- Family-Focused Policies: Offers family discounts and programs for young drivers and students, ensuring savings and protection. See how it’s done trough our American Family insurance review.
- Exceptional Customer Support: Receives high ratings for customer satisfaction, with attentive service and efficient claims handling, making it popular for those seeking strong support.
- Financial Security: American Family Insurance offers reliability and security for its policyholders.
Cons
- Limited Geographic Availability: American Family Insurance operates in select regions only, which can be restrictive for customers who relocate or need coverage in other states.
- Urban Rate Increase: Premiums are higher in densely populated cities, making American Family Insurance less competitive for urban drivers.
#10 – Erie Insurance: Best for Budget Coverage
Pros
- Affordable for Budget-Conscious Drivers: Offers affordable auto insurance rates, making it a great choice for drivers seeking savings with quality coverage.
- Customer Satisfaction Leader: Erie earns positive reviews for excellent customer service and an easy claims process, standing out for its focus on customer satisfaction.
- Unique Rate Lock Feature: The rate lock feature prevents premium increases over time, offers financial stability, and reduces stress, especially for those on fixed incomes.
Cons
- Minimal Digital Support: It provides fewer online tools for policy management, which can be inconvenient for customers who prefer digital management.
- Regional Restrictions: Erie operates in select states, limiting its availability to specific geographic areas. See our Erie insurance review to check your place.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
Best Virginia, VA Auto Insurance Rates from Top Providers by Coverage Level & Discounts
Finding auto insurance that suitable for your budget and needs can be overwhelming and confusing. When searching for auto insurance in Norfolk, VA, it’s essential to understand the car insurance coverage.
Norfolk, VA Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $55 | $140 |
| $47 | $118 |
| $42 | $110 |
| $58 | $138 |
| $38 | $108 |
| $60 | $145 |
| $48 | $120 |
| $50 | $125 |
| $45 | $115 |
| $52 | $135 |
This car insurance guide will help you understand the monthly rates from different providers and coverage levels in Norfolk, VA. It also outlines the discounts available from the top providers in the area.
Auto Insurance Discounts From the Top Providers in Norfolk, VA
| Insurance Company | Available Discounts |
|---|---|
| Bundling, Early Signing, Safe Driving Bonus, Paperless, New Car, Senior Driver, Auto Pay |
| Bundling, Steer into Savings, Young Driver, Low Mileage, Auto Safety, Good Driver, Early Bird |
| Bundling, Safe Driving, Vehicle Storage, Young Driver, Accident Forgiveness, Annual Payment, College Student |
| Bundling, Safe Driver, Senior Driver, Alternative Fuel, Pay-in-Full, Good Student, Homeownership |
| Bundling, Military, Federal Employee, Good Driver, Safety Features, New Vehicle, Emergency Deployment |
| Bundling, Paperless, New Car Replacement, Good Student, Safety Equipment, Alternative Energy Vehicle |
| Bundling, Accident-Free, SmartRide, Good Student, Affinity Groups, Safe Driver, New Vehicle, Paperless |
| Bundling, Continuous Coverage, Snapshot, Teen Driver, Homeownership, Pay-in-Full, Paperless |
| Bundling, Safe Driver, Anti-Theft, Good Student, Defensive Driving, Passive Restraints, Safety Features |
| Bundling, IntelliDrive, Hybrid Vehicle, Homeownership, Early Quote, Pay-in-Full, Student Away |
You can now easily compare the top car insurance providers in Virginia and find which Norfolk, VA auto insurance options offer the best value for your money. To discover the most affordable insurance in your area, enter your ZIP code.
Auto Insurance Coverage Requirements in Virginia
In Virginia, most vehicles, especially leased ones, require a fully comprehensive insurance policy. This is due to the state’s higher required coverage limits.
Virginia Minimum Auto Insurance Coverage Requirements & Limits
| Coverage Type | Minimum Required Coverage |
|---|---|
| Bodily Injury Liability (per person) | $30,000 |
| Bodily Injury Liability (per accident) | $60,000 |
| Property Damage Liability | $20,000 |
| Uninsured/Underinsured Motorist (per person) | $30,000 |
| Uninsured/Underinsured Motorist (per accident) | $60,000 |
| Uninsured Property Damage | $20,000 (with a $200 deductible) |
This table provides information on the auto insurance coverage needed and the cheapest auto insurance options available in the area.
Major and Minor Car Insurance Factors in Norfolk
When contacting a new auto insurance company, there are several factors that need to consider . Both minor and major factors can affect your car insurance premium.
Norfolk, VA Auto Insurance by ZIP Code
| ZIP Code | Monthly Rate |
|---|---|
| 23503 | $57 |
| 23505 | $58 |
| 23513 | $58 |
Car insurance varies by state. Depends on your choices on which car insurance are you going to make a deal for the best coverage for an affordable price.
Norfolk, VA Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Accidents per Month | 417 |
| Claims per Month | 317 |
| Average Claim Cost | $500 |
| Percentage of Uninsured Drivers | 12% |
| Vehicle Theft Rate | 25 thefts/month |
| Traffic Density | High |
| Weather-Related Incidents | Moderate |
Safe driving can substantially affect your car insurance. You can have a great safe driver discount if you manage to have a clean and safe driving record.
Norfolk, VA Full Coverage Auto Insurance Monthly Rates by Age & Gender
| Company | Age 17: Female | Age 17: Male | Age 25: Female | Age 25: Male | Age 35: Female | Age 35: Male | Age 60: Female | Age 60: Male |
|---|---|---|---|---|---|---|---|---|
| $245 | $245 | $258 | $271 | $214 | $220 | $214 | $220 |
| $178 | $210 | $178 | $210 | $120 | $122 | $148 | $150 |
| $106 | $106 | $97 | $101 | $76 | $78 | $76 | $78 |
| $585 | $585 | $246 | $256 | $171 | $183 | $171 | $183 |
| $149 | $149 | $138 | $133 | $104 | $106 | $104 | $106 |
| $267 | $306 | $267 | $306 | $160 | $168 | $211 | $227 |
| $194 | $213 | $194 | $213 | $107 | $113 | $141 | $149 |
| $398 | $398 | $201 | $209 | $131 | $136 | $131 | $136 |
| $163 | $163 | $144 | $158 | $108 | $108 | $108 | $108 |
| $131 | $131 | $152 | $165 | $127 | $129 | $127 | $129 |
Your age, driving record, and distance to work are important factors in determining your auto insurance rates. Younger drivers often face the highest insurance costs.
Norfolk, VA Auto Insurance by Credit Score
| Insurance Company | Good Credit | Fair Credit | Poor Credit |
|---|---|---|---|
| $110 | $130 | $150 |
| $105 | $125 | $145 |
| $104 | $124 | $144 |
| $115 | $135 | $155 |
| $95 | $115 | $135 |
| $100 | $120 | $140 |
| $102 | $122 | $142 |
| $98 | $118 | $138 |
| $90 | $110 | $130 |
| $112 | $132 | $152 |
In Virginia, your credit score significantly impacts your monthly insurance costs. Many providers may double or even triple your payment if you have poor credit. However, nationwide, rates for drivers with bad credit are only slightly higher.
Norfolk, VA Auto Insurance Monthly Rates by Provider & Driving Record
| Insurance Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| $228 | $321 | $385 | $268 |
| $166 | $251 | $276 | $194 |
| $83 | $118 | $153 | $100 |
| $198 | $282 | $275 | $247 |
| $114 | $189 | $309 | $151 |
| $248 | $335 | $447 | $302 |
| $164 | $230 | $338 | $196 |
| $150 | $265 | $200 | $199 |
| $123 | $146 | $160 | $137 |
| $141 | $199 | $294 | $192 |
Virginia insurance companies view driving violations very seriously. This is important to be aware of, especially for high-risk drivers, you can still compare cheap auto insurance companies with bad records to find various options that fit your needs. To know more about most affordable auto insurance in your area.
Car theft is a concern in your neighborhood. If you don’t have an anti-theft device installed in your vehicle, consider being proactive and getting one installed. It’s important to look for the insurance provider that offers the best coverage for your specific vehicle.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
The Best Auto Insurance in Norfolk, Virginia
Finding the best car insurance should be easier now that you understand how it works and what factors to consider when searching for the best auto insurance in Norfolk, VA, that suits your lifestyle.
State Farm, Geico, and Progressive are the top auto insurance providers in Norfolk, VA, offering affordable pricing, comprehensive policies, and significant discounts tailored to your vehicle needs. Enter your ZIP code to see the best insurance available in your area.
Learn how to compare rates and the best known for of these companies to save a lot of money on your auto insurance premium.
Heidi Mertlich Licensed Insurance Agent
These companies are the top choice for your vehicle needs in Newport News, VA, and can help you save money. To learn more about how these companies can assist you in saving, please enter your ZIP code.
Frequently Asked Questions
What are the key factors that make State Farm the top overall pick for auto insurance in Norfolk, VA?
State Farm is the leading choice for auto insurance overall in Norfolk, VA, due to its 17% bundling discounts and reliable coverage options.
How does Geico stand out in terms of affordability for Norfolk drivers?
Geico stands out for offering cheap car insurance in Norfolk, VA, with some of the most affordable rates for drivers. To learn more about, cheap car insurance enter your ZIP code.
What flexible policy options does Progressive offer that make it a top choice?
Progressive is known for its flexible policies, making it a popular choice for Norfolk car insurance.
Read more about: Auto Insurance Type
What specific coverage requirements are mandated by Virginia state law for auto insurance?
Virginia law mandates higher coverage limits and often requires comprehensive car insurance in Norfolk for leased vehicles.
How do age and driving record impact monthly auto insurance rates in Norfolk, VA?
Drivers who are younger or have a poor driving record typically face higher auto insurance quotes in Norfolk, VA, due to increased risk. See more details by entering your ZIP code.
What role does credit score play in determining auto insurance rates in Virginia?
In Virginia, a lower credit score can lead to significantly higher Norfolk VA auto insurance premiums.
What types of discounts are offered by top providers like State Farm and Progressive?
Top car insurance companies in Norfolk, VA, like State Farm and Progressive, offer bundling discounts, safe driver incentives, and anti-theft device discounts.
How does the presence of car theft in Norfolk neighborhoods affect insurance rates?
Car theft in Norfolk neighborhoods raises car insurance quotes in Norfolk VA, but installing anti-theft devices can help lower premiums. See more details by entering your ZIP code.
What are the main benefits of choosing Liberty Mutual for custom policies?
Liberty Mutual provides affordable car insurance Norfolk with custom policies that allow drivers to tailor coverage to their specific needs and budget
How can entering a ZIP code help in finding the best insurance rates in Norfolk, VA?
Entering a ZIP code enables drivers to access cheap auto insurance Norfolk VA rate comparisons and find the best options in the area.