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.
CAR INSURANCE: NORFOLK RATES VS. STATE + NATIONAL AVERAGES
|Norfolk Average (per year)||Virginia Average||National Average|
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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.
NORFOLK CAR INSURANCE RATES BY COMPANY
|Insurer||Average Rate (annual)|
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.
NORFOLK AUTO INSURANCE COSTS BY AGE
|Age group||Average Annual Rate|
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.
NORFOLK AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Annual Rate|
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.
NORFOLK CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Citation||Average Yearly Rate|
|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|
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.
NORFOLK AUTO INSURANCE PREMIUMS BY CREDIT LEVEL
|Credit Score||Average Yearly Rate|
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
Find Local Norfolk Agents
Compass Insurance Solutions LLC
201 E City Hall Ave #700, 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
London & Norfolk Ltd
999 Waterside Dr #2500, Norfolk, VA 23510
Security Insurance Agency Inc
333 W Freemason St #100, Norfolk, VA 23510
Brown & Brown - Norfolk Division
500 East Main Street Suite 600, Norfolk, VA 23510
S L Nusbaum Insurance Agency, Inc.
500 West 21st Street #300, Norfolk, VA 23517
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