Here are the top five car insurance options in Norfolk: Erie, Travelers, USAA, State Farm and Auto-Owners. These companies have rates that are lower than the citywide average and provide both excellent customer service and high-quality car insurance coverage.

Keep reading: Cheap car insurance

Unless stated otherwise, the following cost tables show average rates for the driving profile of a 35-year-old married driver with good credit and a clean driving history.

Our data shows that the average cost of minimum-coverage car insurance in Norfolk is $57 per month or $689 per year. This is about 10% more than the national average of $52 per month or $627 per year. Similarly, full-coverage insurance costs $160 per month or $1,919 per year on average, which is about 4% less expensive than the U.S. average of $167 per month or $2,008 per year.

Cheapest Liability Car Insurance in Norfolk

Erie offers the city’s cheapest liability insurance, with average rates of $37 per month or $439 per year. Travelers is the second-cheapest option in Norfolk with average rates of $40 per month or $482 per year.

Car insurance in Virginia isn’t required, but drivers who don’t purchase it have to pay a $500 annual fee. For drivers who buy auto insurance, these are the minimum insurance requirements set out by the Virginia Department of Motor Vehicles for liability coverage:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $20,000 property damage liability per accident
• $30,000 underinsured/uninsured motorist bodily injury coverage per person
• $60,000 underinsured/uninsured motorist bodily injury coverage per accident
• $20,000 underinsured/uninsured motorist property damage coverage per accident

Virginia drivers are required to carry equal levels of coverage for liability insurance, underinsured motorist coverage and uninsured motorist coverage. Policyholders can opt for medical payments coverage, which takes care of personal medical expenses after an at-fault accident, if they’re fine with a slightly higher monthly premium.

Cheapest Full-Coverage Car Insurance in Norfolk

A full-coverage car insurance policy can be pricey in Norfolk. Full coverage includes liability plus comprehensive coverage and collision coverage, which protect against damages to your vehicle after car accidents, severe weather and instances of theft or vandalism. Erie is the cheapest full-coverage option with average rates of $104 per month or $1,251 per year.

Many factors can affect how much you pay for car insurance, so the cheapest company for one driver may be pricey for another. In this part, we’ll see how the cost of car insurance in Norfolk is influenced by a person’s age, credit score and driving record. Norfolk has different ZIP codes with varying average car insurance costs, so we’ll also take a look at those.

A few simple ways to save on car insurance costs are by increasing your deductible and by getting quotes from various insurance agencies throughout Norfolk and Virginia Beach. You can also bundle car coverage with homeowners insurance, renters insurance and life insurance.

Norfolk Car Insurance Cost by Age

Teenagers generally pay the most for car insurance because they’re more likely to have car accidents or break traffic rules. Our data shows that 16-year-olds pay about $229 per month or $2,746 per year for car insurance in Norfolk.

As drivers reach their 20s, the cost of car insurance goes down and keeps decreasing over time. Below are the average minimum-cost insurance rates for different age groups in Norfolk.

Cheapest Car Insurance in Norfolk: Teen Drivers

Car insurance for teens is expensive, but some providers tend to be more affordable than others. Our data shows that Erie is the cheapest car insurance company for teen drivers, with minimum-coverage rates as low as $106 per month or $1,275 per year. Travelers, Geico and Auto-Owners also offer affordable premiums to Norfolk teens.

Norfolk Car Insurance Cost by Credit Score

Car insurance companies that operate in Virginia are allowed to consider credit scores when setting premiums. Drivers with low credit scores generally pay steeper car insurance rates, while higher credit scores can lead to lower prices.

Cheapest Car Insurance in Norfolk: Poor Credit

Our rate data shows that Geico is the cheapest option for car insurance with bad credit in Norfolk. The company offers minimum-coverage policies to drivers with poor credit for rates of $67 per month or $808 per year. This is 17% more than the overall state average for minimum coverage with good credit.

Norfolk Car Insurance Cost by Driving Record

Drivers who’ve received speeding tickets, gotten into car accidents or been convicted of DUIs can anticipate higher car insurance rates. On average, speeding can increase your rates by 22%, an at-fault accident by 50%, and a DUI by 83%.

While each company has its own average price increase, our study shows that State Farm is the top choice if you’ve got violations on your driving record. The table below shows average rates by company for drivers who have either a speeding ticket, accident or DUI on their record.

Keep reading: Insurance rates for high-risk drivers

Cheapest Car Insurance in Norfolk: Speeding Ticket

Let’s go into further detail on the average rates for high-risk drivers. According to our data, Erie offers the cheapest auto insurance rates to drivers who have a speeding ticket on their records — $42 per month or $508 per year. State Farm follows close behind with an average monthly rate of $44, while Auto-Owners, Travelers and USAA round out the top five options for cheap speeding ticket car insurance in Norfolk.

Cheapest Car Insurance in Norfolk: At-Fault Accident

If you’re found responsible for a car accident while driving, your insurance rates may go up more than if you were caught speeding. Erie and Auto-Owners are the cheapest options here with average rates of about $42 per month and $43 per month, respectively. You’ll note that some auto insurance companies charge far more for this amount of coverage after an accident.

Cheapest Car Insurance in Norfolk: DUI

Getting a DUI is a big deal and can make your car insurance costs go up by hundreds of dollars per year in Norfolk. State Farm is cheap compared to other companies, offering average rates of $44 per month or $528 per year to drivers with a DUI. Travelers, Virginia Farm Bureau and Erie are also good options with rates under $66 per month on average.

Norfolk Car Insurance Cost by ZIP Code

Insurance rates can differ across areas of the city, impacting the amount you’ll pay for coverage. Below, you’ll see that certain ZIP codes in Norfolk can be up to 0.6% cheaper or 0.4% more expensive than the city average.

While auto coverage in Norfolk is 27% higher than Virginia car insurance and 10% more than the national average, there are still cheap providers to shop from. Erie offers both the cheapest minimum and full coverage in the city at about $37 and $104 per month, respectively.

Compare free quotes to find the company that meets your Virginia car insurance needs at the best rate. You can compare insurance products and get quotes online or from insurance agents.

Here are some frequently asked questions about the cheapest auto insurance in Norfolk, Va.:

*Cost data comes from Quadrant Information Services and is accurate at time of publication.