Hello. I just learned how to unlock my iPhone that I also turned on Voice-Over. What you need to do is get to your unlock screen by first touching the bar at the bottom of your screen. Voice-Over will tell you what you have touched, then swipe up as usual. That should take you to your unlock screen. Once there, touch the first digit of your lock code, Voice-Over will tell you what you have touched then double tap that same digit. follow this same process and your phone should unlock. Next say "Hey Siri turn off Voice-Over." that should do it!
Good Luck and next time you want to see what something does, check out a tutorial. I have found it a lot less troublesome. LOL