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Last updated: December 3, 2025Best Cheap Car Insurance in Norfolk
Virginia Farm Bureau has the cheapest auto insurance rates in Norfolk at $1,203 and $597 per year for full coverage and minimum coverage, respectively.
Cheapest
Editor's Rating:
4.2/5
4.2/5Average Cost in Norfolk
- Full Coverage Monthly: $100
- Minimum Coverage Monthly: $50
Best for Military/Veterans
Editor's Rating:5/5
5/5Average Cost in Norfolk
- Full Coverage Monthly: $132
- Minimum Coverage Monthly: $74
Best Major Insurer
Editor's Rating:4.9/5
4.9/5Average Cost in Norfolk
- Full Coverage Monthly: $120
- Minimum Coverage Monthly: $65
Key Takeaways
- Car insurance in Norfolk costs slightly more than the Virginia average. Norfolk car insurance costs an average of $1,871 per year for full coverage and $1,012 for minimum coverage.
- Virginia Farm Bureau offers the cheapest rates in Norfolk, and Erie has the best customer service record.
- These rates mentioned here are averages, making them useful for comparison purposes but not reflective of your own rates. What you pay for car insurance will depend on many factors, such as your age, location, and driving record.
Our Top Picks for the Best Cheap Auto Insurance in Norfolk
- Cheapest: Virginia Farm Bureau
- Best for Military/Veterans: USAA
- Best Major Insurer: State Farm
- Best for Customer Satisfaction: Erie
- Best for Add-on Coverages: Auto-Owners
Compare the Best Cheap Auto Insurance in Norfolk
| Company | Full Coverage Annual Avg. | Minimum Coverage Annual Avg. | Mid-Atlantic Customer Satisfaction (J.D. Power) |
|---|---|---|---|
| Virginia Farm Bureau | $1,203 | $597 | Not rated |
| USAA | $1,583 | $883 | Above average |
| State Farm | $1,439 | $776 | Above average |
| Erie | $1,782 | $1,038 | Above average |
| Auto-Owners | $1,212 | $738 | Not rated |
| Norfolk | $1,871 | $1,012 | – |
Detailed List of the Best Cheap Providers in Norfolk
1. Virginia Farm Bureau - Cheapest
4.2
Editor's Rating:
- Cheapest average rates in Norfolk
- Local, community-oriented agents
- Discounts and perks available to members
Membership required- Basic digital tools
Why we chose it
Virginia Farm Bureau is the Virginia-specific affiliate of the American Farm Bureau Federation. It offers the lowest average rates in Norfolk, although note that a $40 annual membership is required to access its insurance products.1
Farm Bureau affiliates sell insurance through local agents and provide additional benefits and perks to members, such as discounts for restaurants and other businesses. Membership also helps support Virginia farmers. Virginia Farm Bureau states that 92 percent of its members renew their membership year after year, indicating a high level of overall satisfaction.
Who it’s best for
Farm Bureau members or those who don’t mind signing up for membership, drivers looking for the cheapest rates, those who only need standard coverage
Virginia Farm Bureau Norfolk Pricing
| Virginia Farm Bureau | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $100 | $50 |
| Annually | $1,203 | %597 |
| Difference from Norfolk average | -36% | -41% |
2. USAA - Best for Military/Veterans
5
Editor's Rating:
- Average Rate forMinimum Coverage$36 mo.
- Average Rate forFull Coverage$128 mo.
- Coverage designed for military-affiliated drivers
- Competitive rates
- Pay-per-mile telematics program
- Military eligibility required
- Limited to members
- Fewer branch locations
Why we chose it
USAA offers coverage and resources specifically designed for the military community. It offers competitive rates for Norfolk drivers affiliated with the military, and it also earned the highest Mid-Atlantic customer satisfaction score on J.D. Power’s 2025 study (it’s not technically ranked because of its eligibility requirements).
USAA has coverages and discounts tailored to military drivers, including a discount for storing your vehicle or garaging it on a military base.
Who it’s best for
Active military members, veterans, and their families who are eligible for USAA membership, including those who drive less than average
USAA Norfolk Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $132 | $74 |
| Annually | $1,583 | $883 |
| Difference from Norfolk average | -15% | -13% |
3. State Farm - Best Major Insurer
4.9
Editor's Rating:
- Average Rate forMinimum Coverage$54 mo.
- Average Rate forFull Coverage$169 mo.
- Wide network of local agents
- High claims satisfaction ratings
- Great bundling discounts
- Must complete quotes by phone
- No accident forgiveness
Why we chose it
State Farm is the only major national insurer without eligibility requirements on our list, making it ideal for those who prefer to purchase a policy from a larger company.
State Farm has the third-cheapest average rates in Norfolk, as well as above-average customer and claims satisfaction ratings from J.D. Power. It offers various coverage options, including rideshare coverage, as well as discounts, including two telematics programs.
Who it’s best for
Drivers who prefer to work with a major national insurer, rideshare drivers, those looking to bundle home and auto
State Farm Norfolk Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $120 | $65 |
| Annually | $1,439 | $776 |
| Difference from Norfolk average | -23% | -23% |
4. Erie - Best for Customer Satisfaction
5
Editor's Rating:
- Average Rate forMinimum Coverage$47 mo.
- Average Rate forFull Coverage$153 mo.
- Excellent customer service ratings
- Rate lock option
- Unique add-on coverage options
- Agent-only
- Fewer online features
Why we chose it
Erie is one of the few auto insurance companies with a great reputation and consistently excellent customer service ratings, and Virginia is one of the 12 states in which it operates. It ranked second in J.D. Power’s Auto Insurance Study for the Mid-Atlantic Region and has an A- rating from the CRASH Network for 2025, ranking sixth out of 97 insurers.
Erie offers a wide range of coverages as well as a unique rate lock option, which allows policyholders to avoid year-over-year rate increases as long as they don’t make changes to their policy.
Who it’s best for
Drivers who don’t mind potentially paying a bit more to prioritize customer service, those who want to work with an agent, drivers with a recent speeding ticket or DUI
Erie Norfolk Pricing
| Erie | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $149 | $87 |
| Annually | $1,782 | $1,038 |
| Difference from Norfolk average | -5% | +3% |
5. Auto-Owners - Best for Add-on Coverages
4.4
Editor's Rating:
- Average Rate forMinimum Coverage$43 mo.
- Average Rate forFull Coverage$156 mo.
- Second-cheapest rates in Norfolk
- Strong customer service record
- Wide variety of coverages
- Agent-only sales
- Slower digital adoption
Why we chose it
Auto-Owners is another great choice for auto insurance in Norfolk, with the second-lowest average rates in the city. In addition, it is on the CRASH Network’s Honor Roll for 2025 with a B rating, and it also receives fewer customer complaints than average, according to the NAIC.
Auto-Owners sells many different auto coverages, allowing you to customize your policy to fit your needs. These include diminished value and rental auto gap coverage, as well as common loss deductible and accident forgiveness.
Who it’s best for
Customers who want to work with a local agent and are looking for nonstandard coverages
FYI:
Accident forgiveness can only be purchased from Auto-Owners if you do not have any paid at-fault claims or major violations within the last 36 months.
Auto-Owners Norfolk Pricing
| Auto-Owners | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $101 | $62 |
| Annually | $1,212 | $738 |
| Difference from Norfolk average | -35% | -27% |
Norfolk Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Mid-Atlantic2 | CRASH Network Report Card3 | J.D. Power Claims Satisfaction4 | NAIC Complaint Index5 |
|---|---|---|---|---|
| Virginia Farm Bureau | Not rated | Not rated | Not rated | 1.97 |
| Erie | 706 | A- | 743 | 1.13 |
| State Farm | 673 | C- | 716 | 2.13 |
| Auto-Owners | Not rated | B | 711 | 0.93 |
| USAA | 743 | D+ | 741 | 2.74 |
| Average | 656 (out of 1,000) | C+ | 700 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
Cheapest Full Coverage Car Insurance in Norfolk
Virginia Farm Bureau offers the most affordable full coverage car insurance rates in Norfolk, with an average annual premium of $1,203 — 26 percent below the city average. Auto-Owners and State Farm also have competitive rates for full coverage.
| Company | Annual Norfolk Average | Monthly Norfolk Average |
|---|---|---|
| Virginia Farm Bureau | $1,203 | $100 |
| Auto-Owners | $1,212 | $101 |
| State Farm | $1,439 | $120 |
| USAA | $1,583 | $132 |
| Erie | $1,782 | $149 |
| Mercury | $1,836 | $153 |
| GEICO | $1,879 | $157 |
| Nationwide | $1,897 | $158 |
| Progressive | $1,936 | $161 |
| Travelers | $2,116 | $176 |
| Allstate | $2,682 | $224 |
| Norfolk average | $1,871 | $156 |
| Virginia average | $1,680 | $1,896 |
| U.S. average | $2,356 | $196 |
Cheapest Minimum Coverage Car Insurance in Norfolk
Virginia Farm Bureau also has the cheapest minimum coverage rates for Norfolk drivers at $597 per year on average — that’s 41 percent lower than the citywide average. Once again, Auto-Owners and State Farm have the next-cheapest rates at $738 and $776 per year, respectively.
| Company | Annual Norfolk Average | Monthly Norfolk Average |
|---|---|---|
| Virginia Farm Bureau | $597 | $50 |
| Auto-Owners | $738 | $62 |
| State Farm | $776 | $65 |
| USAA | $883 | $74 |
| Mercury | $966 | $81 |
| Progressive | $1,004 | $84 |
| Erie | $1,038 | $87 |
| GEICO | $1,124 | $94 |
| Nationwide | $1,154 | $96 |
| Travelers | $1,220 | $102 |
| Allstate | $1,403 | $117 |
| Norfolk average | $1,012 | $84 |
| Virginia average | $852 | $758 |
| U.S. average | $2,399 | $200 |
How Many Car Accidents Happen in Norfolk?
According to data from the Virginia Department of Transportation, there were 4,783 car accidents in Norfolk in 2024.6 Twenty of these were fatal, 1,306 caused injuries, and 3,457 only involved property damage. In addition, two percent involved motorcycles, another two percent were pedestrian-related, and one percent involved bicycles.
Minimum Auto Insurance Requirements in Virginia
As of January 2025, Virginia state law requires that all drivers carry auto insurance with the following minimum limits:
- Bodily injury liability: $50,000 per person/$100,000 per accident
- Property damage liability: $25,000 per accident7
Virginia’s new minimum coverage requirements are higher than many states and provide a decent amount of coverage. However, for added peace of mind, it’s a good idea to get limits of at least 100/300/100 as well as full coverage.
Frequently Asked Questions
Virginia Farm Bureau offers the cheapest car insurance in Norfolk, Virginia, with average annual premiums of $1,203 and $597 for full coverage and minimum coverage, respectively.
The most affordable car insurance in Virginia is offered by USAA at $1,037 per year for full coverage and $480 for minimum coverage. USAA is only available to members of the military, but non-military drivers can find the cheapest average rates from Erie for full coverage and Travelers for minimum coverage.
While credit score technically doesn’t directly affect car insurance, your credit history can. Insurers in most states use your credit report to calculate a credit-based insurance score, which affects your premium.
There are many ways to decrease your car insurance costs. Avoiding violations is one of the most important things you can do, as a violation can significantly increase your rates. Always ask your insurer about discounts that can be applied to your policy, and consider participating in a usage-based insurance program if your insurer offers one. In addition, lowering your coverage or increasing your deductibles can lower your rates.
Methodology
At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:
- Price (40%): We analyzed average premiums for full and minimum coverage in Norfolk, Virginia, for good drivers with good credit. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
- Claims handling (25%): Policyholders expect an efficient, fair, and transparent claims process from their insurance company. We evaluate claims practices using sources like the CRASH Network Insurer Report Card and J.D. Power’s Auto Claims Satisfaction Study, and financial strength from sources like AM Best.
- Customer experience (25%): We look at the customer experience with a given company, from getting a quote to purchasing and managing a policy, including both online and agent interactions. We also assess the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC Complaint Index, Better Business Bureau ratings, and app store reviews.
- Coverage options (10%): We review each company’s coverage offerings and prioritize insurers with options beyond the state-required minimums, like accident forgiveness, gap coverage, rideshare coverage, and more.
Sources
Virginia Farm Bureau Membership. Virginia Farm Bureau. (2025).
https://www.vafb.com/membership-at-work/membershipTrust Emerges as Top Driver of Customer Satisfaction with Auto Insurance as Prices Continue to Surge, J.D. Power Finds. J.D. Power. (2024, June 11).
https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2025. Crash Network. (2025).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, J.D. Power Finds. J.D. Power. (2025, Oct 28).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2025).
https://content.naic.org/cis_refined_results.htmData: How are we doing?. The City of Norfolk. (2025).
https://www.norfolk.gov/5092/Data-How-are-we-doing#Insurance Requirements. Virginia Department of Motor Vehicles. (2025).
https://www.dmv.virginia.gov/vehicles/insurance-requirements
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