For a 40-year-old driver with a clean record, car insurance in Norfolk, VA, costs about $209 a month ($2,510 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 17% above the Virginia average of $178 a month. GEICO has the lowest full-coverage average among the three major insurers we compared (Allstate, GEICO and State Farm), at about $166 a month.
Norfolk is the most expensive Virginia city with more than one ZIP code in our data, and of the 213 Virginia places in our city table, only Fort Belvoir, a one-ZIP community in Fairfax County, costs more. Our benchmark driver pays about $31 a month more than the Virginia average.
To compare Norfolk, VA, auto insurance quotes, start with your ZIP code: our data covers 12 ZIP codes with a Norfolk mailing address, from about $203 a month in 23523 to $214 in 23504. Our rate data doesn’t include 23517 or 23551, two other ZIP codes inside the city.
Cost data comes from the auto rates insurers file with state regulators, priced across all 12 Norfolk ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Norfolk, VA?
Car insurance in Norfolk, VA, costs about $209 a month ($2,510 a year) for full coverage, for our benchmark driver. Liability-only coverage at 25/50/20 limits averages $1,004 a year ($84 a month), and 50/100/50 liability with comprehensive and collision averages $2,435 ($203 a month).
- Full coverage (100/300/100, $500 deductibles): $2,510 a year ($209 a month)
- 50/100/50 with $500 deductibles: $2,435 a year ($203 a month)
- Liability only (25/50/20): $1,004 a year ($84 a month)
- Virginia average: $2,137 a year ($178 a month) for full coverage
- ZIP code range: $203 (23523) to $214 (23504) a month for full coverage
Who Has the Cheapest Car Insurance in Norfolk?
Looking for cheap car insurance in Norfolk? Start with GEICO: among the three major insurers we compared, it has the lowest full-coverage average for our benchmark driver, about $166 a month, ahead of State Farm at $202 and Allstate at $259. Travelers*, which we price from published rate studies, comes in lower, at about $129.
- Lowest average among these three insurers, full coverage: GEICO, at about $166 a month ($1,995 a year).
- Next lowest: State Farm, at about $202 a month.
- Liability only (25/50/20): about $58 to $105 a month across these three insurers.
- Also on our list: Travelers at about $129 a month, Virginia Farm Bureau at $151, USAA at $155, Auto-Owners at $167, Nationwide at $175 and Erie at $185 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $259 a month, $1,111 a year more than GEICO for the same driver and car.
The recent statewide Virginia rate studies we reviewed disagree on which insurer is cheapest for full coverage: of the eight, three put a Farm Bureau insurer first, three put Travelers first and two others lead one each, apart from USAA, which sells only to military families. For liability-only coverage at 25/50/20 limits, averages among these three insurers run from about $58 to $105 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Norfolk
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/50/20 (Yearly): | Liability Only 25/50/20 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $698 | $58 | $1,995 | $166 |
| State Farm | $1,053 | $88 | $2,429 | $202 |
| Allstate | $1,261 | $105 | $3,106 | $259 |
| Travelers* | $745 | $62 | $1,547 | $129 |
| Virginia Farm Bureau* | $802 | $67 | $1,812 | $151 |
| USAA (military families)* | $688 | $57 | $1,859 | $155 |
| Auto-Owners Insurance* | $736 | $61 | $2,005 | $167 |
| Nationwide* | $1,129 | $94 | $2,098 | $175 |
| Erie Insurance* | $957 | $80 | $2,216 | $185 |
| Norfolk average | $1,004 | $84 | $2,510 | $209 |
This table uses Norfolk ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Norfolk Car Insurance Rates by ZIP Code
Across the 12 Norfolk ZIP codes we price, full coverage for our driver ranges from about $203 a month in 23523 to $214 in 23504, a gap of $134 a year. 23523, on the city’s south side, is the least expensive Norfolk ZIP code in our data, and 23504, near downtown, the most expensive. Downtown’s 23510 averages about $206 a month.
Lowest-priced Norfolk ZIP codes
Highest-priced Norfolk ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Norfolk’s average.
| ZIP Code: | Liability Only 25/50/20 (Yearly): | Liability Only 25/50/20 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 23502 | $1,013 | $84 | $2,498 | $208 | About average |
| 23503 | $1,002 | $84 | $2,516 | $210 | About average |
| 23504 | $1,023 | $85 | $2,572 | $214 | +2% |
| 23505 | $1,002 | $84 | $2,529 | $211 | +1% |
| 23507 | $983 | $82 | $2,455 | $205 | -2% |
| 23508 | $1,003 | $84 | $2,524 | $210 | About average |
| 23509 | $1,025 | $85 | $2,560 | $213 | +2% |
| 23510 | $986 | $82 | $2,476 | $206 | -1% |
| 23511 | $1,005 | $84 | $2,523 | $210 | About average |
| 23513 | $1,029 | $86 | $2,550 | $213 | +2% |
| 23518 | $997 | $83 | $2,481 | $207 | -1% |
| 23523 | $981 | $82 | $2,438 | $203 | -3% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Norfolk?
Raising liability limits from 50/100/50 to 100/300/100 adds about $75 a year on average in our Norfolk data, with the same $500 deductibles. That’s about $6 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Allstate charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Norfolk?
Not for our benchmark driver. Comparing the same insurers in the same Norfolk ZIP codes, full coverage averaged $2,611 a year nine months earlier and $2,510 in rates as of Aug. 31, 2026, a 3.9% drop. State Farm cut its Norfolk average 11.1%, while Allstate’s and GEICO’s averages were unchanged. The comparison covers the three insurers priced in both sets of rates. Liability-only coverage at 25/50/20 limits fell 0.3%, led by State Farm, which cut its liability-only average 0.9%.
Why Does Car Insurance Cost More in Norfolk?
Norfolk is an independent city, so it isn’t part of any county, and at about $209 a month for full coverage it’s the most expensive of the 106 Virginia counties and independent cities we price. Portsmouth, across the Elizabeth River, is second, at $198.
Every Norfolk ZIP code we price costs more than any Virginia Beach or Chesapeake ZIP code we price: Norfolk’s lowest, 23523, averages $203 a month, while the highest in Virginia Beach averages $193 and the highest in Chesapeake $194. Where you live is one of the factors Virginia insurers use, so neighboring cities can be priced differently.
How Norfolk Car Insurance Compares With Other Virginia Cities
More Virginia cities and towns are in the Virginia rates by city table, and you can compare states on our car insurance rates by state page.
Neighboring Virginia Beach averages $188 a month, and Chesapeake, to the south, $187. Portsmouth averages $198, and across the harbor, Hampton averages $187 and Newport News $182.
What Car Insurance Is Required in Norfolk?
Drivers in Norfolk follow Virginia’s rules. For policies effective on or after Jan. 1, 2025, every policy must include at least:
- Liability coverage of $50,000 per person and $100,000 per crash for injuries and $25,000 for property damage (50/100/25)
- Uninsured and underinsured motorist coverage that matches your liability limits unless you ask for less, and never below 50/100/25
Virginia doesn’t require personal injury protection. Insurers must provide medical expense coverage of up to $2,000 per person and income-loss coverage if you ask for them, but both are optional, as are collision and comprehensive coverage.
Our liability-only prices use 25/50/20 limits with 25/50 uninsured and underinsured motorist coverage, below that minimum, so a policy that meets the law will generally cost more than our liability-only figures. Since July 1, 2024, Virginia no longer lets you pay a fee instead of insuring a registered car. Our Virginia requirements guide covers proof of insurance and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Norfolk
- Compare GEICO and State Farm first. They have the two lowest full-coverage averages among the three major insurers we compared in Norfolk, about $166 and $202 a month.
- Quote several insurers. Among the three major insurers we compared in Norfolk, the lowest and highest averages are about $93 a month apart for the same driver and car.
- Keep your uninsured motorist coverage at your liability limits. Virginia policies match uninsured and underinsured motorist coverage to your liability limits unless you ask for less, and it can’t go below 50/100/25, under Va. Code § 38.2-2206. Our full-coverage prices include it at 100/300.
- Compare at every renewal. Over the past nine months, State Farm has cut its Norfolk average 11.1%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how car insurance deductibles work.
- Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Virginia home insurance rates, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.
Ready to compare
How We Calculated Norfolk Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 36 full-coverage premiums from three insurers across 12 Norfolk ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Insurer count: our Virginia averages come from three insurers, fewer than in most states, so they can move more when one insurer changes its prices. We publish them as calculated, without adjustment.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 25/50/20 limits, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. Virginia’s minimum has been 50/100/25 since Jan. 1, 2025, so our liability-only prices use lower limits than the law requires. Virginia policies must also carry uninsured and underinsured motorist coverage of at least 50/100/25, so a policy that meets the law will generally cost more than our liability-only prices.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. The comparison covers the three insurers priced in both sets of rates: Allstate, GEICO and State Farm. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Virginia rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Virginia law and the Virginia Department of Motor Vehicles. We refresh these figures when new rate data is released.
Norfolk Car Insurance FAQ
Car insurance in Norfolk, VA, costs about $209 a month ($2,510 a year) for full coverage and about $84 a month for liability-only coverage at 25/50/20 limits, for our benchmark driver, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 17% above the Virginia average of $178 a month.
Among the three major insurers we compared, GEICO has the lowest full-coverage average in Norfolk, at about $166 a month, followed by State Farm at $202. Travelers*, which we price from published rate studies, comes in lower, at about $129 a month. For liability-only coverage at 25/50/20 limits, averages among the three major insurers we compared run from about $58 to $105 a month. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. Full coverage averages about $188 a month in Virginia Beach and $187 in Chesapeake, compared with $209 in Norfolk, about $21 and $22 a month less for the same driver and car.
In our data, 23523 has the lowest full-coverage average in Norfolk, at about $203 a month, and 23504 the highest, at about $214. The ZIP code table on this page lists all 12.
Norfolk drivers follow Virginia law: for policies effective on or after Jan. 1, 2025, at least $50,000 per person and $100,000 per crash in bodily injury liability and $25,000 in property damage liability (50/100/25), plus uninsured and underinsured motorist coverage that matches your liability limits unless you ask for less, and never below 50/100/25. Our liability-only prices use 25/50/20 limits, below that minimum. Full coverage (100/300/100 with $500 deductibles) averages about $209 a month in Norfolk, about $125 a month more than liability-only coverage at 25/50/20 limits, and unlike liability only, it pays to repair or replace your own car.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Norfolk full coverage fell 3.9% over the past nine months, from about $2,611 to $2,510 a year. State Farm cut its Norfolk average 11.1%. Liability-only coverage at 25/50/20 limits fell 0.3%.
For our benchmark driver, full coverage in Norfolk averages about $209 a month. Nearby, Chesapeake averages about $187 and Virginia Beach about $188. Chesapeake and Virginia Beach are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
