Skip to main content

Navy Insurance Guide for Naval Station Portsmouth, Virginia

Insurance essentials for Portsmouth sailors - close to Norfolk, same Virginia laws, key differences.

Quick Answer

Naval Station Portsmouth is home to the Naval Medical Center Portsmouth (NMCP), one of the Navy's premier medical facilities. Virginia auto law applies (tort state). BAH rates mirror Norfolk due to the shared Hampton Roads housing market.

Base
Naval Station Portsmouth
State
Virginia
Auto Law
Tort (fault-based)
Key Command
NMCP, SWOS

BAH Rates for Naval Station Portsmouth (2025)

Portsmouth uses the same BAH rates as Norfolk since both are in the Hampton Roads area:

RankWithout DependentsWith Dependents
E-4$1,560$1,827
E-5$1,680$1,980
E-7$1,890$2,178
O-3$2,178$2,541

NMCP and TRICARE Considerations

Naval Medical Center Portsmouth (NMCP) is a major military treatment facility (MTF). For sailors stationed here:

  • TRICARE Prime is available at NMCP at no cost for active duty
  • Dependents can use NMCP as their primary care facility
  • TRICARE Select allows access to civilian providers without referral
  • Portsmouth area has strong civilian healthcare network for TRICARE Select

Virginia Auto Insurance at Portsmouth

Same as Norfolk: Virginia is a tort state with no-fault insurance. Minimums:

  • $30,000/$60,000/$20,000 minimum liability (2025 rates)
  • Uninsured motorist highly recommended
  • Portsmouth tunnels: commute patterns may affect low-mileage discounts

Related Guides

NAS Norfolk

Nearby base - shared BAH area.

Virginia Guide

Full Virginia insurance guide.

TRICARE Guide

NMCP and TRICARE options.