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Cheap Auto Insurance Quotes in Norfolk, VA (September 2022)
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Edited by Tanveen Vohra | Reviewed by Licensed Insurance Agent, Amber Benka
Updated February 4, 2022
Car Insurance in Norfolk, VA
The average cost of Virginia car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Norfolk, VA to find you the cheapest quotes in the area.
Quick Facts
- The average cost of car insurance in Norfolk is $194 per month, or $2328 annually.
- Car insurance in Norfolk is $17 more than the average cost of car insurance in Virginia.
- The cheapest car insurance provider in Norfolk on average is Metromile, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
State Farm$71
Progressive$72
American Family$162
The General$230
Cheapest Car Insurance in Norfolk, VA
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Norfolk | QuotesThe car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| State Farm | $71 /mo |
| Progressive | $72 /mo |
| American Family | $162 /mo |
| The General | $230 /mo |
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Average Car Insurance Cost
| Virginia Cities | |
|---|---|
| Virginia Beach | $114/mo |
| Chesapeake | $150/mo |
| Richmond | $124/mo |
| Arlington | $125/mo |
| Norfolk | $134/mo |
| Virginia | $129/mo |
Virginia Beach$114
Richmond$124
Arlington$125
Average for VA$129
Norfolk$134
Chesapeake$150
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in Virginia
Virginia does not require automobile insurance, offering drivers to pay an Uninsured Motor Vehicle fee in lieu of coverage.
If you do choose to purchase insurance, the minimum liability insurance requirements for private passenger vehicles in Virginia[1] are:
- $30,000 per person for bodily injury
- $60,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Virginia is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
- $20,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
Find local Norfolk agents
Resolve Insurance Group
117 West Tazwell Street,
#105, Norfolk, VA 23510S L Nusbaum Ins Agcy Inc
500 W 21st St # 300,
Norfolk, VA 23517-1955Salzberg Ins Agcy Inc
249 East Little Creek Rd,
Norfolk, VA 23505-0649Ashley & Assoc Ins Agcy Inc
834 Widgeon Rd,
Norfolk, VA 23513-3041Bankers Ins Heritage Bank & Trust - Norfolk
4815 Colley Ave,
Norfolk, VA 23508-2036Brown & Brown - Norfolk Div
500 East Main Street Suite 600,
Norfolk, VA 23510Gifford Ins Assocs Agcy Inc
1547-A E Little Creek Rd #101,
Norfolk, VA 23518London & Norfolk Ltd
999 Waterside Dr #2500,
Norfolk, VA 23510Arthur J Gallagher Risk Management Svcs Inc
150 Boush St Ste 704,
Norfolk, VA 23510-1637Security Ins Agcy Inc
333 W Freemason St #100,
Norfolk, VA 23510
Most Patriotic City
Norfolk
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
Norfolk won Insurify's Most Patriotic Cities Award for the state of Virginia. The city has a significant military history, and is home to the largest naval station in the world.
FAQs - Norfolk, VA Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim. If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs. Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
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Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.
Insurify Insights
How Norfolk Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Norfolk, Virginia below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Norfolk drivers measure up to their fellow motorists across Virginia in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Nissan Altima
Most Popular Car in Norfolk
#33
City with the Most Speeding Tickets Rank in Virginia
#24
City with the Most Moving Violations Rank in Virginia
#21
City with the Most DUIs Rank in Virginia
#21
City with the Most Suspended Licenses in Virginia
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Norfolk drivers rank 20 in the number of car accidents per driver across all cities in Virginia.
- Rank within state: #20
- Percent of drivers in Norfolk with an accident: 10.4%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Norfolk drivers rank 21 in the number of DUI’s per driver across all cities in Virginia.
- Rank within state: #21
- Percent of drivers in Norfolk with a DUI: 2.2%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Virginia, Norfolk drivers rank 17 in the number of reckless driving offenses per driver.
- Rank within state: #17
- Percent of drivers in Norfolk with a reckless driving offense: 2.6%
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Virginia, Norfolk drivers rank 20 in rude driving infractions.
- Rank within state: #20
- Percent of drivers in Norfolk with a reckless driving violation: 3%
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Virginia, Norfolk drivers rank 33 in the number of speeding infractions per driver.
- Rank within state: #33
- Percent of drivers in Norfolk with a speeding ticket: 12.5%
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Norfolk drivers rank 64 in clean driving records across all cities in Virginia.
- Rank within state: #64
- Percent of drivers in Norfolk with clean record: 73.2%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Norfolk drivers rank 59 in hybrid and electric vehicle ownership across all cities in Virginia.
- Rank within state: #59
- Percent of drivers in Norfolk with a hybrid/electric vehicle: 0.56%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Insurance Writer
Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.
Learn MoreSources
- Virginia Department of Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022