Automobile

Cheap Car Insurance in Norfolk, Virginia

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Table of Contents

  • Car Insurance: Norfolk Rates vs. State + National Averages
  • Norfolk Auto Insurance Costs by Insurer
  • Norfolk Auto Insurance Premiums by Driver Age
  • Norfolk Car Insurance Premiums by Gender and Marital Status
  • Average Norfolk Insurance Rates After a Violation or Accident
  • Norfolk Auto Insurance Premiums by Credit Tier
  • Expensive Norfolk ZIP Codes
  • Cheaper Norfolk ZIP Codes
  • List of Insurance Companies in Norfolk
  • No-Fault Insurance in Norfolk Information

    To legally operate a vehicle in Norfolk, you must have the minimum required insurance the state requires. Minimum coverage includes:

    • $25,000 for bodily injury or death of one person.
    • $50,000 for bodily injury or death of more than one person.
    • $20,000 for property damage liability.

      Drivers must carry proof of insurance with them at all times and comply with officers when proof is requested. Additionally, proof of minimum insurance will be required to obtain vehicle registration.

      Car Insurance: Norfolk Rates vs. State + National Averages

      On average, drivers in the city of Norfolk will pay $1116 per year for insurance premiums. This price is more than $100 more per year than the state average of $1005 but over $400 less than the national average of $1548.

      Norfolk Auto Insurance Costs by Insurer

      Five main insurance carriers provide car insurance to the residents of Norfolk. Though they all offer different coverage options, their annual rates remain consistent for drivers with clean driving histories. Below are the most popular carriers in the city and their average annual rates.

      • Erie: $929
      • USAA: $1003
      • Progressive: $1039
      • State Farm: $1089
      • Nationwide: $1160

        Norfolk Auto Insurance Premiums by Driver Age

        As mentioned by Insurify, age is one of the most significant factors when it comes to determining your average annual premium rates. Younger drivers have less experience, tend to incur more moving violations, and are more likely to be involved in an at-fault accident which classifies them as high-risk drivers.

        Teen drivers in Norfolk will pay significantly higher rates, sometimes up to four times the average. Most teens will pay around $4160 per year for insurance. This amount will take its first major drop when they hit their 20s to about $1537. The next big drop won’t come until drivers hit their 30s, when rates run around $1090.

        Drivers who will enjoy the lowest rates are those in their 50s with an annual premium average of $953. After this age, the rates will rise slightly until they hit around $1272 once you reach your 70s.

        Norfolk Car Insurance Premiums by Gender and Marital Status

        According to The Zebra, gender and marital status can also affect the rates you pay in Norfolk, though the difference is significantly less than age rating. Females will only pay an average of $1 more per year than their male counterparts if the insurance carrier uses this as a factor.

        Being married, though, can save you money on your annual premiums. Drivers who are married will pay an average of $139 less than those who are single as they tend to have fewer claims. Widowed drivers will also pay less than single drivers, though the difference is only around $20.

        Average Norfolk Insurance Rates After a Violation or Accident

        The factor that will play the biggest role in determining your rates is your driving history. Having a clean driving record will help you to enjoy the lowest available rates for your age group. If you end up with citations, moving violations, or at-fault accidents, your rates can significantly increase for years.

        Speeding tickets can raise rates an average of $250, but major offenses, such as reckless driving, can cause a hike close to $450 per year. Below you can see the average rate you may be charged after a violation or at-fault accident.

        • DUI: $1700+
        • Reckless Driving: $1500+
        • Accident: $1700+
        • Speeding: $1300+

          Norfolk Auto Insurance Premiums by Credit Tier

          To a lesser extent, your credit score can determine the rates you pay for insurance. While average only vary by around $100 to $200 per year from fair to excellent, a score of very poor can have you paying around $1000 more.

          Credit score plays a role in determining rates because, statistically, those with lower credit scores tend to file more claims than those with higher ones. Below you can see how much your score can affect your annual premium rates.

          • Below 520: $2213
          • Above 620: $1321
          • Above 700: $1116
          • Above 720: $1014
          • Above 800: $937

            Expensive Norfolk ZIP Codes

            The location of your vehicle may cause your rates to be slightly higher or lower as well. Living in areas with a high population, lots of traffic, and higher crime rates, factors into your rate determination and considers your vehicle to be in a high or low-risk area. The premium difference between high and low-rate areas will range between $50 and $75 difference each year. The most expensive ZIP code in Norfolk for car insurance are:

            • 23513
            • 23515
            • 23504
            • 23509
            • 23503

              Cheaper Norfolk ZIP Codes

              There are also a few areas in Norfolk where you may enjoy come lower premium rates. These areas tend to be more sparsely populated and are not close to urban traffic congestion. The cheapest Norfolk ZIP codes for car insurance are:

              • 23523
              • 23529
              • 23507
              • 23520
              • 23510

                List of Insurance Companies in Norfolk

                The availability of multiple car insurance carriers in the area allows you to find the best company to suit your coverage needs. Carriers like Erie Insurance and USAA boast the lowest rates, but you will need to be affiliated with the military to purchase insurance from the latter.

                GEICO and Progressive also offer competitive rates and provide the added convenience of allowing drivers to handle all their insurance needs online.

                State Farm and Nationwide fall in the higher range in Norfolk in terms of price but have many available discounts that can help you keep your rate down.

                No-Fault Insurance in Norfolk Information

                Norfolk is in Virginia, which is an at-fault state. That means if you are responsible for an accident, you will need to have enough insurance coverage to pay for damages to yourself, your passengers, your vehicle, and others involved in the accident.

                Check this out if you need additional information, resources, or guidance on car insurance.

                Sources:

                Car Insurance | caranddriver.com

                Norfolk, VA Car Insurance | thezebra.com

                Cheap Auto Insurance Quotes in Norfolk, VA (2021) | insurify.com

                DUIs and Car Insurance: Everything You Need to Know | caranddriver.com

                Does Credit Score Affect Car Insurance? | caranddriver.com

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