Insurance Costs in Suffolk, VA
Auto insurance in Suffolk averages $1,331 per year for full coverage, which is lower than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Suffolk, VA: What You Need to Know
Suffolk residents pay an average of $1,331 per year for full coverage auto insurance, which is 5.0% below the Virginia state average and 20.5% below the national average.
With a population of 94,324, Suffolk is a growing city in Virginia. Moderate traffic and relatively lower accident rates help keep insurance costs manageable.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,331 | $111 |
| Standard Coverage (50/100/50) | $1,091 | $91 |
| State Minimum (30/60/20) | $559 | $47 |
Homeowners Insurance in Suffolk, VA
The average cost of homeowners insurance in Suffolk is $1,244 per year ($104/month), which is 31.6% below the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Suffolk, VA
Renters insurance in Suffolk averages $180 per year ($15/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Virginia Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| Virginia Beach | $1,429/yr | $1,415/yr |
| Chesapeake | $1,373/yr | $1,336/yr |
| Arlington | $1,471/yr | $1,598/yr |
| Norfolk | $1,569/yr | $1,376/yr |
| Richmond | $1,611/yr | $1,244/yr |
| Newport News | $1,513/yr | $1,336/yr |
| Alexandria | $1,513/yr | $1,677/yr |
| Hampton | $1,541/yr | $1,376/yr |
How to Save on Insurance in Suffolk
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Suffolk can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Suffolk, VA?
The average cost of car insurance in Suffolk, VA is $1,331 per year for full coverage, or about $111 per month. Minimum coverage costs around $559 per year.
Is car insurance expensive in Suffolk?
Car insurance in Suffolk is relatively affordable compared to many U.S. cities.
How much is home insurance in Suffolk?
Homeowners insurance in Suffolk costs an average of $1,244 per year. Your actual cost depends on your home's value, age, construction type, and specific location.