Car Insurance in Norfolk
Premiums in Virginia sit under the national average by $526, which is why the state is recognized for its low-cost rates. While premiums in the city are relatively low as well, it is still critical to save while insuring a vehicle in Norfolk. Let’s take a look at how to save on car insurance in Norfolk.
- City Average: $990
- State Average: $901
- National Average: $1,427
Norfolk Car Insurance by Gender and Marital Status
There are numerous factors, including marital status and gender, that come into play when determining car insurance premiums in Norfolk. Did you know that in your city marital status can actually change your premiums substantially? Being married can save you an average of $95 per year compared to being single or divorced. Rates for those who are widowed are also strikingly cheaper than rates for those who are single. Premiums are cheaper for men, but barely. Men normally pay 0.3% less than women every year for insurance.
- Female: $993
- Male: $990
- Single: $990
- Married: $895
- Divorced: $990
- Widowed: $931
Norfolk Car Insurance by Accident or Violation History
Do you know how much an accident or violation history can cost you in terms of car insurance premiums? Drivers with a DUI in Norfolk have rates that exceed the city average of $990 by $422. Reckless driving will drive your rates up as well, with average rates of $1,736. That is 75% higher than the city average! Many people treat speed limits with leniency, but a ticket for driving 16-20mph over the limit raises your insurance premiums by $185.
- DUI: $1,412
- Reckless Driving: $1,736
- At-fault Accident (damages less than $1000): $1,494
- At-fault Accident (damages greater than $2000): $1,494
- Speeding Ticket (16-20 mph over speed limit): $1,175
Norfolk Car Insurance by Credit Rating
Those with Very Poor credit (300-579) typically pay almost twice as much each year on premiums than those with Exceptional credit (800-850). Drivers can save close to $320 per year when they raise their credit tier from Very Poor (300-579) to Fair (580-669).
- Very Poor: $1,790
- Fair: $1,470
- Good: $1,228
- Very Good: $1,038
- Exceptional: $909
Norfolk Car Insurance by Age
With typical car insurance payments of $3,726, teenage drivers have the highest rates of any age group. At $853, drivers in their 50s have the lowest car insurance rates among any age group. Those in their 60s ($895) aren’t paying much more. The largest decrease in premiums for Norfolk drivers happens when they hit their 20s. Once out of the teenage age range, they pay 63% less in premiums. When drivers turn 60, they will experience a rate increase related to their age for the first time.
- Teenagers: $3,726
- 20s: $1,383
- 30s: $969
- 40s: $927
- 50s: $853
- 60s: $895
- 70s: $1,155
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 & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in Norfolk
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
Bankers Ins Heritage Bank & Trust - Norfolk
4815 Colley Ave Norfolk, VA 23508
Brown & Brown - Norfolk Division
500 East Main Street Suite 600 Norfolk, VA 23510
S L Nusbaum Insurance Agency, Inc.
500 West 21st Street Norfolk, VA 23517
USI Insurance Services
101 W Main St Ste 900 Norfolk, VA 23510
Security Insurance Agency Inc
333 W Freemason St #100 Norfolk, VA 23510
The average Norfolk resident's annual cost of coverage
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Norfolk Car Insurance
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