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, each offering distinct benefits backed by data.

State Farm rewards low-mileage drivers with reduced premiums through its Drive Safe & Save telematics. Geico’s coverage stands out in Norfolk ZIP codes with high accident rates, offering extra savings to clean-record drivers.

Our Top 10 Company Picks: Best Norfolk, VA Auto Insurance

Progressive benefits commuters with frequent stop-and-go travel through its usage-based Snapshot® program, which adjusts rates based on braking patterns and time of day. Compare top providers for cheap car insurance rates in Norfolk, VA. You’ll save big while still getting quality coverage and local discounts.

Find cheap car insurance in Norfolk, VA, by entering your ZIP code into our free quote comparison tool and instantly viewing the most competitive rates available today.

#1 – State Farm: Top Overall Pick

Pros

• Low-Mileage Incentives: In Norfolk, VA, State Farm reduces premiums for drivers enrolled in the Drive Safe & Save™ program, especially those averaging under 7,500 miles annually.
• Deductible Waiver Perks: Norfolk, VA drivers qualify for a $500 deductible waiver after safe driving milestones, easing out-of-pocket costs following minor claims.
• Strong Financial Backbone: With an A++ A.M. Best rating, State Farm assures Norfolk, VA, policyholders of long-term claims reliability, according to our State Farm auto insurance review.

Cons

• Limited Customization Tools: Norfolk, VA, policyholders report fewer dynamic policy add-ons compared to competitors like Progressive.
• Higher Young Driver Rates: Teen and early-20s drivers in Norfolk, VA, pay up to 32% more, even with good student discounts.

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#2 – Geico: Best for Affordable Rates

Pros

• Military Discounts: Active-duty and retired military drivers in Norfolk, VA, receive up to 25% premium reductions, especially near Naval Station Norfolk.
• ZIP Code Optimization: Geico pricing algorithms offer lower base rates in high-density Norfolk, VA areas with good traffic records like ZIP 23505. To see more, read our Geico car insurance review.
• Mobile App Excellence: Norfolk, VA residents benefit from Geico’s industry-leading mobile claims platform, reducing filing time to under 10 minutes.

Cons

• Sparse Local Agent Access: Norfolk, VA, policyholders may face longer wait times for in-person consultations due to fewer branch locations.
• Rate Sensitivity for Claims: Filing a single at-fault accident with Geico insurance in Norfolk, VA, can lead to premium hikes exceeding 40%, even for long-term customers.

#3 – Progressive: Best for Flexible Policies

Pros

• Snapshot Savings: Drivers in Norfolk, VA, save an average of $231 annually using Progressive’s Snapshot® program, especially when driving off-peak hours.
• Commuter Efficiency: Progressive tailors rates for Norfolk, VA drivers with stop-and-go commutes, using braking and acceleration data for discounts.
• High-Risk Leniency: Drivers in Norfolk, VA, with recent speeding violations often see better base rates than with Allstate or Nationwide. Read our Progressive insurance review to learn more.

Cons

• Unpredictable Telematics Penalties: Snapshot users in Norfolk, VA, have reported rate increases due to sudden braking or night driving, even without accidents.
• Lower Claims Satisfaction: Norfolk, VA reviews cite occasional delays in post-accident payouts, particularly with comprehensive claims exceeding $3,000.

#4 – Allstate: Best for Comprehensive Plans

Pros

• New Car Replacement Coverage: Norfolk, VA, policyholders with vehicles under two years old get full value replacement for total loss claims. To see more, read our Allstate insurance review.
• Drivewise Incentives: Drivers in Norfolk, VA, can receive up to 20% off for consistent safe driving via the Drivewise® telematics program.
• Rental Reimbursement Leader: Allstate provides up to $900 per claim in Norfolk, VA, for rental cars during repair downtime, which is higher than the state average.

Cons

• Expensive Premiums for Clean Records: Norfolk, VA drivers with spotless records often receive higher car insurance quotes than from State Farm or Erie.
• Strict Underwriting on Add-Ons: Certain endorsements, like sound system protection, are denied for Norfolk, VA, vehicles over 10 years old.

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#5 – Nationwide: Best for Policy Bundling

Pros

• Multi-Policy Bundling: Norfolk, VA drivers bundling home and auto with Nationwide can save 20%+, with added perks like single deductible claims.
• Vanishing Deductible Perks: As mentioned in our Nationwide insurance review, safe drivers in Norfolk, VA, can reduce deductibles by $100 each year (up to $500) with no at-fault claims.
• Robust Claims Network: Nationwide operates one of the fastest auto repair shop networks in Norfolk, VA, completing 70% of repairs within three business days.

Cons

• Restrictive SR-22 Support: Norfolk, VA drivers requiring SR-22s face more limited options and higher base premiums than other insurers.
• Lagging Digital Experience: Norfolk, VA customers’ mobile app features trail competitors in areas like accident photo uploads and instant payments.

#6 – Travelers: Best for travelers Coverage

Pros

• Extended Commute Discounts: Norfolk, VA drivers traveling 15+ miles daily can benefit from usage-based pricing, which rewards safe-distance driving via IntelliDrive.
• Comprehensive Rental Coverage: Travelers offers Norfolk, VA, policyholders up to $900 in rental reimbursement, exceeding state averages by 20%.
• Accident Forgiveness Add-On: If accident forgiveness is selected, first-time at-fault accidents in Norfolk, VA, won’t raise premiums. Read our Travelers insurance review to understand better.

Cons

• Limited Military Discounts: Unlike Geico or USAA, Travelers provides minimal military-specific savings in Norfolk, VA, reducing appeal for the city’s armed forces community.
• Telematics Penalties: Some Norfolk, VA users report higher premiums after opting into IntelliDrive® due to unexpected deductions from perceived risky maneuvers.

#7 – Liberty Mutual: Best for Custom Policies

Pros

• RightTrack Tech Savings: Norfolk, VA drivers using RightTrack can save up to 30% on smooth driving patterns and real-time monitoring. Learn more in our Liberty Mutual insurance review.
• Gap Coverage Integration: Vehicles financed in Norfolk, VA, qualify for embedded gap coverage options, which help protect against early-stage depreciation losses.
• Flexible Deductibles: Liberty Mutual allows Norfolk, VA drivers to tailor collision and comprehensive deductibles independently, fine-tuning cost and risk exposure.

Cons

• Above-Average Complaint Index: Norfolk, VA, consumers have flagged Liberty Mutual for slower-than-expected claims processing, especially during peak seasons.
• High Premiums for Older Vehicles: Insuring cars over 10 years old in Norfolk, VA, often results in limited savings, even with anti-theft and bundling discounts.

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#8 – Farmers Insurance: Best for Personalized Service

Pros

• Signal Program Incentives: Farmers drivers in Norfolk, VA, receive up to 15% off for enrolling in the Signal® telematics platform and maintaining safe acceleration patterns.
• Agent Availability: Norfolk, VA residents benefit from extensive local agent access, which allows for face-to-face policy customization, a major asset for multi-vehicle households.
• Strong Towing Reimbursement: Roadside assistance in Norfolk, VA, includes towing coverage up to 100 miles, surpassing the state minimum. To learn more, view our Farmers insurance review.

Cons

• Fewer Digital Tools: Farmers lags in app functionality for Norfolk, VA users needing real-time accident reporting or instant document uploads.
• Nonstandard Coverage Caps: Farmers imposes lower-than-average maximums on rental and personal effects coverage in Norfolk, VA, compared to national competitors.

#9 – American Family Insurance: Best for Family Plans

Pros

• MyAmFam App Rewards: Norfolk, VA, policyholders using the MyAmFam app for auto and home policies receive bundling discounts of up to 20% and loyalty renewal credits.
• Teen Safe Driver Program: Households in Norfolk, VA, with young drivers gain access to monitoring and coaching tools that reduce premium hikes for teens.
• Accident Support Services: Norfolk, VA drivers receive concierge-level claim guidance, including repair shop coordination. See how it’s done in our American Family insurance review.

Cons

• Sparse Norfolk, VA Branches: In-person service is limited in Norfolk, VA, with most interactions requiring digital or phone communication.
• Discount Thresholds Difficult to Meet: American Family’s more substantial discounts in Norfolk, VA, often require bundling at least three policy types, which may not fit all drivers.

#10 – Erie Insurance: Best for Budget Coverage

Pros

• Accident Forgiveness at Year Three: Norfolk, VA, drivers maintaining a clean record with Erie qualify for automatic forgiveness after three years.
• Locked-In Rates: Erie offers Rate Lock in Norfolk, VA, ensuring premiums don’t change unless the policyholder moves or adds a vehicle. See our Erie insurance review to check your perks.
• Exceptional Customer Satisfaction: Erie gets high marks in Norfolk, VA, for fast claims response and easy-to-understand communication from adjusters. This makes it notable for good service.

Cons

• Limited Availability: Erie insurance policies in Norfolk, VA, are only available through independent agents, which can delay initial quote comparisons.
• Few High-Tech Features: Erie lacks the advanced app and telematics options favored by younger Norfolk, VA drivers looking for mobile-first solutions.

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Best Norfolk, VA Auto Insurance Coverage Rates

This breakdown shows the monthly cost drivers in Norfolk, VA pay for auto insurance. Geico has the lowest rates at $38 for minimum coverage and $108 for full coverage.

Auto Insurance Monthly Rates in Norfolk, VA by Coverage Level

Erie and American Family remain competitive with costs under $120 for full coverage. On the more expensive side, Liberty Mutual and Farmers have higher prices across both levels of coverage.

This chart shows how full coverage premiums change with age and gender in Norfolk, VA. Erie always has the lowest rates for all groups, but Farmers is most expensive, especially for teenagers.

Full Auto Insurance Monthly Rates in Norfolk, VA by Age & Gender

Rates start to become stable around age 35. The difference in pricing between genders gets smaller as people age, but young male drivers still pay quite a bit more than females.

This table shows how credit scores affect car insurance prices in Norfolk, VA. State Farm offers the cheapest rates for all credit levels, beginning at $90.

Auto Insurance Monthly Rates in Norfolk, VA by Credit Score

For poor credit, rates go up a lot with Travelers and Farmers reaching $152 and $155. Geico and Erie keep costs lower for fair and poor credit scores.

This table shows how driving history affects monthly costs in Norfolk, VA. Erie has the lowest prices for all categories, with $83 for people with clean records.

Auto Insurance Monthly Rates in Norfolk, VA by Driving Record

Liberty Mutual has the highest rate at $447 for a DUI. State Farm keeps rates stable with only small increases, but Geico’s jump to $309 shows how quickly violations can raise premiums in Norfolk, VA.

Insurers in Norfolk care a lot about your driving history more than you might think. If your record is clean, everything stays pretty much the same.

But if you make even one mistake, like getting a speeding ticket or having a small accident, your insurance rates can change quickly. Some companies become stricter after the first mistake, while others wait until more serious violations accumulate.

Auto Insurance Discounts in Norfolk, VA

This table shows which insurance companies give the biggest car insurance discounts in Norfolk, VA, based on typical savings categories.

Auto Insurance Discounts in Norfolk, VA by Savings Potential

Liberty Mutual offers the best anti-theft savings, with a 35% discount. This is great for city drivers who want to protect high-risk cars. State Farm gives a very nice 35% discount to good students.

Many other companies, such as Geico and Erie, offer Norfolk, VA, drivers up to 30% off if they do not drive many miles. Bundling is still a dependable method to reduce expenses, with an average savings of 20–25% among leading companies.

Required Minimum Auto Insurance Limits in Norfolk, VA

Virginia drivers need to follow certain rules for liability and uninsured motorist coverage to be legal. The minimum requirement is $30,000 per person and $60,000 per accident for bodily injuries.

Norfolk, VA Minimum Auto Insurance Coverage Requirements & Limits

Property damage liability is $20,000. Uninsured motorist coverage has the same limits, with $20,000 for property damage and a $200 deductible requirement.

Minimum Auto Insurance in Norfolk, VA by ZIP Code

In Norfolk, VA, the rates change a little bit depending on your area. For example, in ZIP code 23503, the lowest monthly average is $57.

Areas such as 23505 and 23513 have monthly averages that are just one dollar more at $58. Even with these small differences, where you live still affects how much you need to pay each month.

Norfolk, VA Auto Accident & Insurance Claim Statistics

Norfolk, VA, experiences approximately 417 accidents and 317 claims every month. The average claim is around $500, and about 12% of drivers do not have insurance.

The high number of vehicles on the road and a consistent theft rate of 25 cars every month make insurers cautious. Also, moderate weather-related issues play a role in how insurance companies decide local premiums.

Read more: Minimum Car Insurance Requirements

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Finding the Best Auto Insurance in Norfolk, VA

Finding the best auto insurance in Norfolk, VA, means you need to look at provider reputation, policy details, and your driving record. Local risk factors, like how often accidents happen and traffic levels, also affect which insurance companies give the best value for your area.

Top companies such as State Farm, Geico, and Progressive offer different options, whether you care most about usage-based programs, family discounts, or good claim support. Our 10-minute auto insurance buying guide provides all the essential tips for Norfolk car insurance coverage.

These car insurance companies in Norfolk, VA, are the top choice for your vehicle needs and can help you save money. Get access to cheap auto insurance in Norfolk, VA by entering your ZIP code through our free quote comparison tool.