Cheap car insurance in Norfolk, VA starts with GEICO, which is the lowest-priced of the 3 insurers we compared at each tier, from $166 a month for full coverage. State Farm comes next at $202 and Allstate at $259. Virginia’s liability rule is 50/100/25 for policies that start on or after Jan. 1, 2025, so GEICO’s $58 Liability Only 25/50/20 price sits below it, while GEICO’s 50/100/50 package at $151 a month meets those limits.
How much is car insurance in Norfolk? Across the three insurers, full coverage averages $209 a month ($2,510 a year), which is $31 above Virginia’s $178. Only three insurers made the ranking, and GEICO is lowest in all 12 ZIP codes at every tier, so the order holds at every address we priced.
Coverage of the data: 21 ZIP codes list Norfolk as their USPS primary city, and 12 of them are priced in our Virginia data; every figure below describes those 12. Page updated Nov. 2, 2026. Rate data is from Quadrant Information Services and dates to Sept. 30, 2026; each price models one driver, so treat it as a benchmark rather than a quote. Our Norfolk method
Cheap Car Insurance in Norfolk, VA: GEICO Leads at Every Level
Norfolk’s lowest price at each tier, three insurers compared
Full coverage: liability at 100/300/100, deductibles at $500
GEICO
$166/mo
$1,995 a year. Next: State Farm, $202.
50/100/50 liability, $500 deductibles
GEICO
$151/mo
$1,815 a year. Next: State Farm, $188.
Meets Virginia’s 50/100/25 requirement
Liability Only 25/50/20
GEICO
$58/mo
$698 a year. Next: State Farm, $88.
Below Virginia’s 50/100/25 requirement
Why GEICO stands alone: State Farm sits $30 to $37 a month higher depending on the tier, a long way outside the few-dollar band where we would name two insurers together, and GEICO is lowest in 12 of 12 ZIP codes at each tier.
Two insurers are left out: Progressive (closed to new business) and USAA (its quotes require choosing the USAA telematics program). Details below.
Virginia’s 50/100/25 Requirement and the 25/50/20 Tier We Priced
GEICO’s $58 Liability Only price falls short of Virginia’s rule
Virginia’s rule is 50/100/25 for policies that start on or after Jan. 1, 2025. Our bare-liability package carries 25/50/20, so a policy that satisfies the rule needs higher limits and would price differently from $58. In our data the cheapest package that clears the rule is 50/100/50, which GEICO prices at $151 a month in Norfolk. We never priced a stand-alone 50/100/25 liability policy, so what one costs is outside our data.
| Limit | Virginia’s rule | Liability Only 25/50/20 | 50/100/50 |
|---|---|---|---|
| One person’s injuries | $50,000 | $25,000 | $50,000 |
| All injuries in a crash | $100,000 | $50,000 | $100,000 |
| Others’ property | $25,000 | $20,000 | $50,000 |
| Clears the rule? | Required | No | Yes |
The Liability Only tier is short by $25,000 per person, $50,000 per crash and $5,000 on property damage. The 50/100/50 tier equals the injury limits and carries double the property damage limit. The Virginia DMV explains the rule on its insurance requirements page, and its text is Va. Code 46.2-472.
Average Car Insurance Cost in Norfolk vs. Virginia
Every row below puts Norfolk above Virginia. The statewide numbers come from our cheap car insurance in Virginia guide, which prices 354 ZIP codes with the same three insurers and ranks 44 places that have three or more of them. Norfolk, shown there as Norfolk City, has the highest full-coverage average of the 44: $209 a month against $178. Even Norfolk’s lowest ZIP code average, $203 in 23523, is above the statewide figure.
| Tier | Norfolk | Virginia | Gap |
|---|---|---|---|
| Full coverage | $209 [$2,510] | $178 [$2,137] | $31 |
| 50/100/50 | $203 [$2,435] | $174 [$2,090] | $29 |
| Liability Only 25/50/20 | $84 [$1,004] | $65 [$774] | $19 |
The ranking inside Norfolk matches the state’s: GEICO, State Farm, Allstate. Against its own Virginia average at full coverage, GEICO is $29 a month higher here, Allstate $31 and State Farm $33. In 342 of Virginia’s 354 ZIP codes GEICO has the cheapest full-coverage price; here it has it in all 12. Two of the state’s three priciest ZIP codes, 23504 and 23509, are Norfolk ZIP codes.
Car Insurance Quotes in Norfolk: Who Is Lowest at Each Tier
GEICO takes all three tiers: $166 for full coverage, $151 for 50/100/50 and $58 for Liability Only 25/50/20. State Farm trails by $36, $37 and $30 a month and Allstate by $93, $119 and $47. Nobody is close enough to share the name, and with three companies in the ranking that is the entire field.
Compare Norfolk Car Insurance Quotes by ZIP Code
Car Insurance Norfolk VA: Prices by Company
Each row averages one company across all 12 ZIP codes, lowest first. Allstate is highest at every tier and in every ZIP code, $57 a month over State Farm and $93 over GEICO at full coverage, and because it is one of just three companies in the mean it pulls the $209 city average upward. State Farm’s quotes carry a data-provider note that the premium leaves out the marginal acquisition expense adjustment; we kept them, though a final State Farm quote could come out different.
| Company | Full | 50/100/50 | Liability only |
|---|---|---|---|
| GEICO | $166 [$1,995] | $151 [$1,815] | $58 [$698] |
| State Farm | $202 [$2,429] | $188 [$2,251] | $88 [$1,053] |
| Allstate | $259 [$3,106] | $270 [$3,241] | $105 [$1,261] |
| City average, all three | $209 | $203 | $84 |
Why Progressive and USAA are not ranked
Quadrant did return Progressive prices for Norfolk, 36 rows covering 12 ZIP codes and three tiers, and every one is tagged as coming from a company that has stopped taking new business. Nobody can buy those policies today, so Progressive is out of every ranking and average. USAA’s quotes for all 12 ZIP codes are tagged with an instruction to pick the USAA telematics program the vehicle is enrolled in. They cannot be set beside quotes priced without a program, so USAA is out as well, and we have no USAA figure to show.
Car Insurance in Norfolk, VA by ZIP Code: All 12 Priced
Prices hardly move across Norfolk. The three-insurer full-coverage average runs from $203 in 23523 to $214 in 23504, only $11 a month apart, and GEICO undercuts the other two in every row. That makes the lowest full-coverage quote in each ZIP code $170 in nine and $154 in three: all 12 are under $200, and none is under $150. State Farm, next in line, runs $194 to $212.
| ZIP code | GEICO | State Farm | Allstate | Average |
|---|---|---|---|---|
| 23502 | $170 | $202 | $252 | $208 |
| 23503 | $170 | $198 | $261 | $210 |
| 23504 | $170 | $212 | $260 | $214 |
| 23505 | $170 | $202 | $260 | $211 |
| 23507 | $154 | $200 | $260 | $205 |
| 23508 | $170 | $200 | $260 | $210 |
| 23509 | $170 | $206 | $264 | $213 |
| 23510 | $154 | $205 | $260 | $206 |
| 23511 | $170 | $200 | $260 | $210 |
| 23513 | $170 | $206 | $261 | $213 |
| 23518 | $170 | $194 | $256 | $207 |
| 23523 | $154 | $203 | $253 | $203 |
| All 12 | $166 | $202 | $259 | $209 |
GEICO prices Norfolk at two levels
At each tier GEICO’s price takes just two values across the 12 ZIP codes, while State Farm and Allstate shift from ZIP code to ZIP code, from $194 to $212 and $252 to $264 at full coverage.
| ZIP codes | Full | 50/100/50 | Liability only |
|---|---|---|---|
| 23507, 23510, and 23523 | $154 | $140 | $54 |
| The other nine | $170 | $155 | $60 |
Other USPS names on 23511
23511 is the only ZIP code with other USPS place names: Fleet, Joint Forces Staff College, Naval Base, Naval Communications Area Ma, Norfolk Naval Air Station, Norfolk Naval Public Works C, and Norfolk Naval Station (USPS stores two of them cut short). Labels show which addresses a ZIP code serves; they say nothing about why it is priced as it is.
See What GEICO, State Farm and Allstate Charge at Your Norfolk Address
Moving Up Through the Three Tiers in Norfolk
Most of the climb comes at the start. Going from Liability Only 25/50/20 ($84) to 50/100/50 ($203) adds $119 a month on the city average, since that step brings in collision and comprehensive at $500 deductibles along with higher liability limits. The final step to full coverage costs only $6 more.
By company the two steps are $93 then $15 at GEICO and $100 then $14 at State Farm. Allstate reverses the second step: its full-coverage price ($259) is $11 a month under its 50/100/50 price ($270) on the city average, and lower in every one of the 12 ZIP codes. Asking each company for both packages shows which is cheaper. Liability alone pays for harm to other people and none for your own car.
What Virginia Law Requires of Norfolk Drivers
Virginia requires 50/100/25 liability for policies that start on or after Jan. 1, 2025. The first number is the most paid for one person’s injuries ($50,000), the second the most for all injuries in a crash ($100,000), and the third the most for damage to others’ property ($25,000); see Virginia DMV and Va. Code 46.2-472.
Six Ways to Lower Your Norfolk Car Insurance Bill
- Quote GEICO, then State Farm. GEICO was lowest in all 12 ZIP codes at every tier, between $24 and $51 a month below State Farm at full coverage.
- Hold every quote to 50/100/25 or higher. An offer at 25/50/20 will look cheaper and still fall short of Virginia’s rule.
- Price the car at its overnight address. GEICO charges $154 in 23507, 23510, and 23523 and $170 everywhere else we priced.
- Ask for 50/100/50 and full coverage together. the two sit $15 apart at GEICO and $14 at State Farm, while Allstate’s full coverage is $11 cheaper.
- Keep deductibles the same across quotes. Ours are $500 for collision and comprehensive.
- Ask each company for its list of discounts. Bundling and paying in full can lower a quote; neither is built into our modeled prices.
Getting Norfolk Quotes You Can Compare
A quote only matches another when it describes the same policy. Before comparing, make sure each one has:
- liability limits of 50/100/25 or higher;
- matching uninsured and underinsured motorist limits;
- one deductible choice for collision and comprehensive;
- an identical list of drivers and vehicles;
- the same overnight address, plus the total for the year and not only the monthly payment.
Start Your Norfolk Car Insurance Quote
How We Priced Norfolk Car Insurance
Quadrant Information Services supplies the insurer rates. It runs one fixed driver and car through each company’s filed rating plan and reports the premium that results. This page averages the Norfolk results, which describe the rates filed as of Sept. 30, 2026.
- The driver: age 40, single, good credit, 24 years behind the wheel with a spotless record, in a 2024 Toyota Camry LE that is used only for personal driving.
- The tiers: Liability Only 25/50/20 leaves your own car uncovered. 50/100/50 means 50/100 bodily injury limits, a $50,000 property damage limit, and $500 deductibles for collision and for comprehensive. Full coverage raises the liability limits to 100/300/100 and leaves the deductibles alone. PIP and medical payments are absent from all three tiers, and either would add to a total.
- The sample: 12 ZIP codes that Quadrant files under the county label Norfolk City. Another 9 ZIP codes list Norfolk as their USPS primary city (23501, 23506, 23514, 23515, 23517, 23519, 23529, 23541, and 23551) but returned no quote, so every figure here describes the 12 only.
- The insurers: GEICO, State Farm and Allstate priced all 12 ZIP codes, giving 36 prices behind every tier. Progressive and USAA were priced and set aside for the reasons above (36 rows each), and State Farm’s note was kept. No other insurer returned Norfolk prices. A company ranks only if it priced at least 6 of the 12 ZIP codes; all three priced all 12, and none sat close enough to the lowest to share its name.
- The math: each company’s city number averages its 12 ZIP code prices, and we then average the three company figures to get the city average; Virginia’s uses the same method over 354 ZIP codes. Monthly numbers are a year’s premium cut into twelve and rounded, and every gap we quote is worked out from the rounded monthly numbers, not the yearly ones.
A premium for you will depend on your car, record, credit, limits and discounts. These numbers are benchmarks, not quotes or offers.
Norfolk Car Insurance Questions Answered
Is $200 a month a lot for car insurance in Norfolk?
Compared with Norfolk’s three-insurer full-coverage average of $209, $200 is $9 lower, and it is $34 above GEICO’s $166. In all 12 ZIP codes the lowest full-coverage price we found is under $200 a month ($154 or $170). It is the lowest price in our comparison, not what a typical driver pays.
Who has the cheapest car insurance in Norfolk right now?
Among the 3 insurers we compared, GEICO is lowest at all three tiers (rates as of Sept. 30, 2026): $166 a month for full coverage, $151 at 50/100/50 and $58 for Liability Only 25/50/20. It also wins every one of the 12 ZIP codes at each tier, with State Farm second and Allstate third.
Which is cheaper in Norfolk, GEICO or State Farm?
GEICO, in all 12 ZIP codes at every tier: $166 against $202 for full coverage, $151 against $188 at 50/100/50, and $58 against $88 for Liability Only 25/50/20. Progressive is not in our Norfolk comparison, since Quadrant tags its quotes as coming from a company closed to new business.
Why is car insurance so expensive in Norfolk?
Our data shows how much, not why. Norfolk’s three-insurer full-coverage average is $209 a month, $31 above Virginia’s $178, and each of the 12 ZIP code averages is higher than the state figure. Two of Virginia’s three priciest ZIP codes, 23504 and 23509, are in Norfolk. Allstate’s $259 is $93 above GEICO’s $166.
What is the minimum car insurance in Virginia?
Virginia requires liability limits of 50/100/25 for policies starting on or after Jan. 1, 2025: $50,000 for one person’s injuries, $100,000 for the whole crash and $25,000 in property damage liability. Our Liability Only 25/50/20 tier falls short on all three. Our 50/100/50 tier clears it, matching the injury limits with $50,000 of property damage. Sources: Virginia DMV; Va. Code 46.2-472.
Is 50/100/50 enough car insurance in Norfolk?
That depends on your own situation, so we only compare prices and limits. The 50/100/50 tier clears Virginia’s 50/100/25 rule, and GEICO prices it at $151 a month in Norfolk: $15 under its $166 full-coverage price and $93 over Liability Only 25/50/20. Your car, savings and lender decide what fits.
How much is full coverage car insurance in Norfolk?
On average $209 a month ($2,510 a year) across the three insurers we compared. Company averages go from GEICO’s $166 to Allstate’s $259, and the 12 ZIP code averages from $203 to $214. Here that means liability limits of 100/300/100, plus collision and comprehensive at $500 deductibles each.
Is liability coverage full coverage?
No, they are different things. Liability is the part that pays for the injuries and property damage you cause to others, while full coverage typically bundles it with collision and comprehensive, the two that repair or replace your own car. In our Norfolk prices, Liability Only 25/50/20 averages $84 a month against $209 for full coverage. The Insurance Information Institute describes them as separate pieces of an auto policy.
Why are only three insurers in your Norfolk comparison?
The ranking holds Allstate, GEICO and State Farm only. Progressive’s quotes are tagged as coming from a company closed to new business, and USAA’s require choosing the USAA telematics program, so both are set aside. No other insurer returned prices for these 12 ZIP codes in our data.
Which Norfolk ZIP codes have the cheapest car insurance?
By the three-insurer full-coverage average, 23523, 23507, and 23510 are lowest at $203, $205 and $206 a month; 23513, 23509, and 23504 are highest at $213, $213 and $214. All 12 sit within $11 a month of each other, and GEICO is lowest in each of them.
When does Virginia require an SR-22?
Virginia DMV asks for an SR-22 on file for 3 years when a vehicle declared insured at registration turns out to be uninsured, on top of a $600 fee and a reinstatement fee where one applies. The matching form for a cancellation is the SR-26. Our Norfolk prices are for a clean record, so no figure here includes an SR-22 or a related surcharge.
What happens if you drive without insurance in Virginia?
When a vehicle registered as insured is found uninsured, Virginia DMV suspends the license, registration and plates until a $600 fee is paid, an SR-22 is on file for 3 years and the reinstatement fee is paid. The Norfolk prices describe an insured driver, so they do not show what a lapse would cost.
- About the CCI Author
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Michael Giusti, MBA, is a senior contributor who writes in-depth content about state-level auto insurance rules, pricing trends, and savings opportunities for drivers. His expertise supports data-rich rate guides to help you find the cheapest auto coverage quotes on CheapCarInsurance.net.