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Ross Martin

Manager, Content Quality

  • Licensed Insurance Agent — Property and Casualty

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers…

How much does car insurance cost in Norfolk?

Car insurance costs an average of $1,116 per year in Norfolk, Virginia. That's more than the average in Virginia ($1,005) and less expensive than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Norfolk.

Norfolk Average (per year) Virginia Average National Average
$1,116 $1,005 $1,548

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Norfolk car insurance rates by company

The difference in auto insurance rates from company to company can be substantial. For a typical driver, Erie offers Norfolk's cheapest rates. See below the best options for affordable auto insurance in Norfolk. Don't forget to get car insurance quotes based on your driving profile.

Insurer Average Rate (annual)
Erie $929
USAA $1,003
Progressive $1,039
State Farm $1,089
Nationwide $1,160

Check out our guide to learn how to find the best cheap car insurance.

Norfolk car insurance premiums by age

The best age for car insurance rates as a driver in Norfolk is your 50s: drivers in this age group pay an average of $953per year. Rates for Norfolk drivers in their 60s are also relatively affordable, at just $997 per year.

Teenage drivers pay Norfolk's most expensive auto insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Norfolk is to age out of your teenage years. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Norfolk is $2,623. That's the biggest gap in premiums between any pair of age brackets.

Age group Average Annual Rate
Teens $4,160
20s $1,537
30s $1,090
40s $1,037
50s $953
60s $997
70s $1,272

Learn more about the impact of age on auto insurance rates.

Norfolk auto insurance rates by marital status and gender

In some cases, a driver's marital status and gender may affect their car insurance rates. In Norfolk, married drivers pay $139 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Norfolk, single drivers pay more than those who are widowed.

Gender is yet another factor that can affect auto insurance premiums. In Norfolk, female drivers pay more for auto insurance than do male drivers: $1 per year, to be precise.

Marital Status/Gender Average Annual Rate
Female $1,117
Male $1,116
Single $977
Married $977
Divorced $1,116
Widowed $979

Read more about the relationships between gender, marital status and insurance rates.

Norfolk auto insurance costs by accident and violation history

Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Norfolk drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $449 per year versus the city average. A ticket for speeding results in a $274 rate hike, on average, while a DUI violation costs $613per year in insurance premiums.

Citation Average Yearly Rate
DUI/DWI $1,729
Reckless Driving $1,565
At-fault Accident (damages less than $1,000) $1,551
At-fault Accident (damages > $2,000) $1,747
Speeding Ticket (16-20 mph over speed limit) $1,390

Learn more about the impact of driving violations on car insurance rates.

Norfolk auto insurance costs by credit score

A driver's credit level can be closely correlated with their auto insurance rates. In fact, Norfolk drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 58% decrease in car insurance rates. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Norfolk, moving into the "Fair" credit tier corresponds to an average of $892 in savings on insurance each year.

Credit Score Average Yearly Rate
Very Poor $2,213
Fair $1,321
Good $1,116
Very Good $1,014
Exceptional $937

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

What drives up car insurance rates in Norfolk?

Where you live in Norfolk affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn't play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Norfolk is no exception to the rule. From ZIP code 23523 to 23503, premiums rise by 7 percent—that's $68.

Expensive Norfolk ZIP codes: 23513, 23505, 23504, 23509, 23503

Cheap Norfolk ZIP codes: 23523, 23529, 23507, 23520, 23510

Norfolk Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Norfolk, you can expect 102 rainy days with an annual rainfall of 48 inches. Norfolk is also known to experience thunderstorms and occasional hurricanes.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in Norfolk

Major Highways
I-64 U.S. 58 U.S. 60
Public Transit
HRT Bus HRT Rail

Find Local Norfolk Agents

Compass Insurance Solutions LLC

201 E City Hall Ave #700, Norfolk, VA 23510

London & Norfolk Ltd

999 Waterside Dr #2500, Norfolk, VA 23510

S L Nusbaum Insurance Agency, Inc.

500 West 21st Street #300, Norfolk, VA 23517

Security Insurance Agency Inc

333 W Freemason St #100, Norfolk, VA 23510

Bankers Ins Heritage Bank & Trust - Norfolk

4815 Colley Ave, Norfolk, VA 23508

USI Insurance Services

101 W Main St Ste 900, Norfolk, VA 23510

Brown & Brown - Norfolk Division

500 East Main Street Suite 600, Norfolk, VA 23510


The average Norfolk resident's annual cost of coverage


Our customer's average savings after comparing insurance



That's equal to 158 cups of coffee or $394 in savings

See How Much You Can Save in Norfolk

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.