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 AverageState AverageNational Average
$1,024$910$1,569


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 ScoreAverage Rate
Very Poor$1,948
Fair$1,208
Good$1,024
Very Good$963
Exceptional$919


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
AgeAverage Rate
Teenagers$3,659
20s$1,417
30s$1,001
40s$960
50s$881
60s$923
70s$1,137


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/IncidentAverage Annual Premium
DUI$1,699
Reckless Driving$1,366
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/GenderAverage Rate
Female$1,024
Male$1,024
Single$1,024
Married$921
Divorced$1,024
Widowed$922


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

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

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

Security Insurance Agency Inc

333 W Freemason St #100 Norfolk, VA 23510

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

Revised

158

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

See How Much You Can Save in Norfolk

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