Expertise.com
2024

Last updated:

Best Local Car Insurance Agencies in Portsmouth

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Portsmouth Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

62

Reviewed

40

Curated

8

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
249 East Little Creek Road, Norfolk, VA 23505
  • Motorcyle & ATV

Why choose this provider?

Salzberg Insurance Agency has been providing car insurance products for individuals and businesses in the Portsmouth area since 1938. It customizes auto policies to protect its clients from financial losses. These may cover vehicle damages in collisions, medical bills, and stolen cars. With a variety of insurance coverages, its team of insurance advisors can assist policy buyers in finding the plan that best suits their needs. The company's mission is to meet customer expectations through its insurance products.

License Verified:

License: 111027

Commonwealth Of Virginia State Corporation Commission

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2865 Airline Boulevard, Portsmouth, VA 23701
  • Bundling Option

Why choose this provider?

Young Insurance is a firm in Portsmouth that carries personal and commercial insurance plans, including car insurance. The independent agency has over five decades of industry experience in helping clients determine the right insurance coverage for their needs. Its insurance professionals assist car owners in assessing and covering financial risks, including losses from medical payments, uninsured drivers, collisions, liabilities, and theft. They also provide FR-44 and SR-22 coverage. Established in 1973, Young Insurance also offers insurance plans for motorcycles, recreational vehicles, private investigators, and security guards.

License Verified:

License: 110338

Commonwealth Of Virginia State Corporation Commission

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
954 West 21st Street, Norfolk, VA 23517
  • Multiple Carriers
  • RV & Motorhome
  • Bundling Option

Why choose this provider?

Colonial Insurance Agency has been serving the insurance needs of the people of Portsmouth and all of Hampton Roads for more than seven decades. Family-owned and operated, it employs experienced and professional agents who connect with over 15 carriers to draw up a selection of car insurance quotes that can meet the needs, expectations, and priorities of clients. In addition to standard automobiles, Colonial Insurance Agency also provides insurance plans for antique cars, watercraft, and RVs.

License Verified:

License: 109557

Commonwealth Of Virginia State Corporation Commission

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6

Website
800 Juniper Crescent, Chesapeake, VA 23320

Why choose this provider?

Nina Ambrose is a State Farm insurance agent who has been providing insurance services to clients in the Chesapeake and Portsmouth areas for more than three decades. She provides clients with several options when it comes to the coverages that they may require, which include collision and comprehensive coverages. Ambrose served on several professional boards, including the National Association of Insurance Women. She also does charity work for organizations like The HER Shelter and Lions of Virginia.

License Verified:

License: 579813

Commonwealth Of Virginia State Corporation Commission

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (18)

Website
4405 Portsmouth Boulevard, Portsmouth, VA 23701
  • Multiple Carriers

Why choose this provider?

Coppedge Insurance Agency helps the car owners in Portsmouth mitigate financial risks related to their vehicular assets. Auto insurance policyholders can obtain financial compensation for losses due to theft, collisions, and injury liability. It guides clients in finding suitable insurance policies through its partnerships with diverse insurance carriers, including Progressive, Nationwide, and Safeco Insurance. Owner Don Coppedge is an air force veteran with over three decades of experience as an insurance agent. Coppedge Insurance Agency supports the community through its "Agents of Change" commitment.

License Verified:

License: 104075

Commonwealth Of Virginia State Corporation Commission

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (27)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
200 North Battlefield Boulevard, Chesapeake, VA 23320
  • Bundling Option

Why choose this provider?

Allison Plante has been servicing the Chesapeake and Portsmouth areas as a State Farm insurance agent since 2015. She helps provide clients with automobile insurance that suits their distinct needs. Her team has a strong focus on ensuring the expectations of their clients are met when providing the auto insurance they require. The coverage options her team offers range from insurance for teen drivers up to insurance for sports cars. Additionally, their comprehensive insurance covers cars that are damaged or stolen.

License Verified:

License: 951887

Commonwealth Of Virginia State Corporation Commission

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
516 Innovation Drive, Chesapeake, VA 23320
  • Multiple Carriers
  • Boats

Why choose this provider?

Centerville Insurance Agency is a professional insurance agency that serves residential and commercial clients in Portsmouth, Chesapeake, and nearby areas. It offers a comprehensive suite of insurance products and services such as automobile and motorcycle insurance, watercraft and boat insurance, and umbrella insurance. It also provides protection and coverage for recreational vehicles. The company is affiliated with various reputable insurance companies such as Mercury Insurance, Progressive, Travellers, Occidental Insurance and Erie Insurance.

License Verified:

License: 113098

Commonwealth Of Virginia State Corporation Commission

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (114)
Facebook
5.0 / 5 (32)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1407 Stephanie Way, Chesapeake, VA 23320
  • Multiple Carriers

Why choose this provider?

Ferguson Insurance Center is a family-owned and operated insurance broker that provides business and personal risk protection in Portsmouth. It specializes in car insurance, homeowners' insurance, business insurance, and workers' compensation. It has over 25 years of solid partnerships with well-established regional and national insurance carriers, including Foremost, Infinity, Chubb, and Hartford. The agency has a 24/7 online customer service through its website, where clients can request a certificate of insurance and download forms.

License Verified:

License: 106383

Commonwealth Of Virginia State Corporation Commission

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (91)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • What are the minimum car insurance requirements for car owners in Portsmouth?

    Under Virginia Code Section 46.2-472, Portsmouth car owners must have at least liability and uninsured motorist coverage in their car insurance policy. The liability coverage must include bodily injury/death liability for $30,000 per person and $60,000 if more than two people are injured, as well as property damage liability for $20,000 per accident. These amounts are effective until December 31, 2024. The minimum required liability coverage amounts will change on January 1, 2025.

  • Can you really drive in Portsmouth and across the state without carrying car insurance?

    Virginia is one of the few states that do not require car insurance. However, to be able to drive around uninsured, you must pay an Uninsured Motor Vehicle (UMV) fee of $500 at the Portsmouth DMV. Note that the UMV fee is not some sort of insurance. If you get in an accident and are at fault, you will be responsible for paying damages to injured parties. Driving without insurance or UMV fee will result in suspension of car registration.

  • Will your car insurance rate be affected if someone in your household commits a traffic violation or causes an accident in Portsmouth?

    If the household member is partly or primarily at fault for a car accident or traffic violation in Portsmouth, the insurance company has the right to raise the insurance premium. If your premium is increased due to a collision that you or your household members are not at fault for, you can request a review from the Bureau of Insurance. Note that at-fault accidents and traffic violations can impact your insurance rate for the next 36 months.

  • What are the benefits of having uninsured and underinsured (UM/UIM) coverage in your car insurance policy in Portsmouth?

    UM/UIM coverage pays for the medical expenses of both you and your passengers should the at-fault driver not have sufficient insurance or none at all. It also covers damages resulting from a hit-and-run where you have no identified motorist to claim damages from or sue. The risk of getting in a collision with an uninsured motorist in Portsmouth is considerable, as Virginia does not require car insurance. There were 5,000 uninsured motorists in 2022, according to the DMV Acting Commissioner.

  • Will your car insurance policy in Portsmouth pay for repairs if your car damage was caused by a fallen tree?

    If your Portsmouth policy includes comprehensive coverage, yes, damage on your car caused by the fallen tree will be covered. Comprehensive coverage is generally designed to address non-collision-related vehicle damage, such as those caused by falling objects, animals on the road, and natural disasters like floods, hailstorms, and fires. It also covers car loss or damage from vandalism and theft.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.