Portsmouth drivers pay an average of $1,683/year — $88 less than the national average. With 1,352 crashes per year and a 2.3 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $531/year.
(888) 217-6781Estimated full coverage auto insurance rates for Portsmouth, VA from top carriers. Rates are adjusted for Portsmouth's 1,352 annual crashes, 2.3 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $560 | $93/mo |
| GEICO | $636 | $106/mo |
| Progressive | $718 | $120/mo |
| State Farm | $788 | $131/mo |
| Allstate | $957 | $160/mo |
Estimates based on 2026 rate filings for ZIP 23708. USAA is cheapest at ~$93/mo. Actual rates vary by driver profile and exact Portsmouth location.
These Portsmouth-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Portsmouth, VA. Takes under 2 minutes.
(888) 217-6781With 97,915 residents, Portsmouth is a growing community in Virginia where auto insurance rates reflect a balance between urban and suburban driving conditions. Traffic is generally lighter than in the state's largest cities, but local factors like hurricanes, nor'easters, flooding, thunderstorms, ice and commuter corridors still influence premiums. Portsmouth drivers often find rates slightly below the Virginia state average.
For official Virginia insurance regulations, visit the Virginia Bureau of Insurance. For driver licensing, see the Virginia DMV.
Your specific ZIP code within Portsmouth can swing your premium by hundreds of dollars. Here's how rates compare across Portsmouth neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 23717 | Portsmouth South Side | $1,604/yr | $134/mo |
| 23713 | Portsmouth North Side | $1,629/yr | $136/mo |
| 23716 | Portsmouth West Side | $1,660/yr | $138/mo |
| 23716 | Portsmouth East Side | $1,743/yr | $145/mo |
| 23708 | Portsmouth Downtown/Central | $1,813/yr | $151/mo |
The cheapest ZIP is 23717 (Portsmouth South Side) at $1,604/yr. The most expensive is 23708 (Portsmouth Downtown/Central) at $1,813/yr — a $209/year difference for the same driver.
Your Portsmouth ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Portsmouth. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,534/yr | $295/mo | +110% vs avg |
| Young Adult (20-25) | $2,356/yr | $196/mo | +40% vs avg |
| Adult (26-35) | $1,683/yr | $140/mo | 0% vs avg |
| Mid-Career (36-50) | $1,481/yr | $123/mo | -12% vs avg |
| Senior (51-65) | $1,397/yr | $116/mo | -17% vs avg |
| 65+ | $1,498/yr | $125/mo | -11% vs avg |
Teens in Portsmouth pay an average of $3,534/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,397/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Virginia cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Portsmouth drivers can save up to $531/year. ZIP 23717 (Portsmouth South Side) has the lowest rates starting at $1,604/yr.
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