How Much Does Car Insurance Cost in Norfolk?
Norfolk premiums are 12% higher than Virginia's average, which is why the city is recognized for its expensive premiums. Review our tips to save on Norfolk car insurance and save money.
CAR INSURANCE COSTS: NORFOLK VS. STATE/US AVERAGES
|City Average||State Average||National Average|
Norfolk Auto Insurance by Credit Score
Improving your credit can save you a sizable sum of money. Those in the bottom credit tier (300-579) pay an average of more than twice as much for car insurance than those in the top credit tier (800-850). In terms of percent change, shifting from Very Poor (300-579) to Fair (580-669) has the largest positive impact on premiums, as it saves drivers nearly 38% per year.
NORFOLK AUTO INSURANCE RATES BY CREDIT LEVEL
|Credit Score||Average Rate|
Norfolk Car Insurance by Driver Age
The largest decline in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Norfolk start seeing a reduction in premiums of 61%. The first time drivers can anticipate their age to trigger a rise in premiums is when they turn 60. Among all age groups, drivers in their 50s have the smallest insurance payments, with rates of $881 per year. People in their 60s ($923) also have relatively low premiums. With average car insurance payments of $3,659, teenage drivers have the most expensive rates amongst all the age groups.
NORFOLK AUTO INSURANCE COSTS BY DRIVER AGE
Norfolk Car Insurance by Accident or Violation History
Do you realize the impact an accident or violation can have on your car insurance rates? Many people are lenient about obeying speed limits, but did you know that a ticket for speeding (16-20mph over the limit) can raise your car insurance premiums by $189? The value of the damage caused by an accident plays a role in the degree to which insurance rates will increase. For those in Norfolk with at-fault accidents in which damages exceeded $2,000, rates are an average of 13% more than at-fault accidents with damages less than $1,000.
AVERAGE NORFOLK INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation/Incident||Average Annual Premium|
|At-fault Accident (damages less than $1,000)||$1,378|
|At-fault Accident (damages greater than $2,000)||$1,556|
|Speeding Ticket (16-20 mph over speed limit)||$1,213|
Norfolk Car Insurance by Gender and Marital Status
Car insurance premiums in Norfolk can be influenced by driver attributes such as marital status and gender. However, premiums for men and women tend to only deviate somewhat, with women paying more. In your city, marital status actually has a substantial impact on premiums. Being married can save you $103 per year compared to being single or divorced. Rates for those who are widowed are also way cheaper than rates for those who are single.
NORFOLK CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||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
Find Local Norfolk Agents
Bankers Ins Heritage Bank & Trust - Norfolk
4815 Colley Ave Norfolk, VA 23508
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
Brown & Brown - Norfolk Division
500 East Main Street Suite 600 Norfolk, VA 23510
Security Insurance Agency Inc
333 W Freemason St #100 Norfolk, VA 23510
USI Insurance Services
101 W Main St Ste 900 Norfolk, VA 23510
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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