How Much Does Car Insurance Cost in Norfolk?
Cutting costs while insuring a vehicle in Norfolk is important because premiums in Norfolk are known for being costly. They generally surpass the state average by $89. Who doesn't like saving money? Check out some methods to save on auto insurance in Norfolk.
CAR INSURANCE PREMIUMS: NORFOLK VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Norfolk Auto Insurance by Marital Status and Gender
Marital status as well as gender are important considerations in determining the cost of car insurance in Norfolk. In your city, marital status actually has a substantial impact on premiums. You spend approximately 11% more per year if you're single or divorced as opposed to married. Rates for those who are widowed are also much cheaper than rates for those who are single. Luckily for men, their premiums tend to be marginally cheaper than for women.
NORFOLK AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Norfolk Car Insurance by Accident or Violation History
A history of accidents and violations can cost you in terms of premiums. Drivers with a DUI in Norfolk need to spend 43% more than the city average to insure their vehicle. Reckless driving will also bump your rates up, with typical rates of $1,736, which are 75% higher than the city average! If you are found at-fault in an accident in Norfolk, you can expect your annual car insurance payments to grow by 51%.
AVERAGE NORFOLK INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$1,494|
|At-fault Accident (damages greater than $2,000)||$1,494|
|Speeding Ticket (16-20 mph over speed limit)||$1,175|
Norfolk Auto Insurance Premiums by Driver Age
When you look across all age groups, drivers in their 50s have the smallest insurance premiums. Their rates normally average $853 per year. However, people in their 60s ($895) aren’t paying significantly more. Teenage drivers have the biggest premiums of any age group. They have car insurance payments that average $3,726 per year. In Norfolk, drivers see the biggest fall in premiums when they hit their 20s, as they pay an average of $2,343 less after moving out of the teenage age bracket. Premiums in Norfolk continue to trend downward up until drivers hit 60.
NORFOLK AUTO INSURANCE PRICES BY DRIVER AGE
Norfolk Auto Insurance by Credit Level
Improving your credit can save you a sizable amount of money. Those in the bottom credit tier (300-579) pay an average of almost twice as much for car insurance than those in the top credit tier (800-850). Drivers will see the biggest decrease in premiums when they upgrade their credit from Very Poor (300-579) to Fair (580-669). That change can save them $320 per year.
NORFOLK AUTO INSURANCE RATES BY CREDIT TIER
|Credit Score||Average 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 & 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
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
Brown & Brown - Norfolk Division
500 East Main Street Suite 600 Norfolk, VA 23510
Bankers Ins Heritage Bank & Trust - Norfolk
4815 Colley Ave Norfolk, VA 23508
London & Norfolk Ltd
999 Waterside Dr #2500 Norfolk, VA 23510
The average Norfolk resident's annual cost of coverage
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Norfolk Car Insurance
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