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 AverageState AverageNational Average
$990$901$1,427


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/GenderAverage Rate
Female$993
Male$990
Single$990
Married$895
Divorced$990
Widowed$931


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
Incident/ViolationMean Rate
DUI/DWI$1,412
Reckless Driving$1,736
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
AgeAverage Rate
Teenagers$3,726
20s$1,383
30s$969
40s$927
50s$853
60s$895
70s$1,155


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 ScoreAverage Rate
Very Poor$1,790
Fair$1,470
Good$1,228
Very Good$1,038
Exceptional$909


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.

102

Rainy Days a Year

48"

Avg. Annual Rainfall

7"

Avg. Annual Snowfall

Be Prepared For

Driving in Norfolk

2
Major Highways
I-64 U.S. 58 U.S. 60
2
Public Transit
HRT Bus HRT Rail

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

See All

Not sure about Norfolk

Check out these other Virginia cities...

Virginia Beach

Chesapeake

Richmond

2

$986

The average Norfolk resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

icon_coffee

158

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

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Norfolk Car Insurance

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