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Cheap Auto Insurance Quotes in Norfolk, VA (May 2022)
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Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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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.
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.
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 | Quotes |
|---|---|
| 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 VA
In Virginia, motorists are required to purchase liability insurance in the following minimum coverage limits:
- $25,000 for bodily injury or death of one person
- $50,000 for bodily injury or death of two+ people
- $20,000 for property damage liability
Proof of insurance should be kept in the vehicle at all times. This can be in the form of an insurance card or policy declaration page. And while lawyers and police officers may disagree about whether carrying proof of insurance is a law, your best bet is to comply with the recommendations of the DMV.
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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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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
#17
City with the Most Speeding Tickets Rank in Virginia
#23
City with the Most Moving Violations Rank in Virginia
#14
City with the Most DUIs Rank in Virginia
#18
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 31 in the number of car accidents per driver across all cities in Virginia.
- Rank within state: #31
- Percent of drivers in Norfolk with an accident: 10.97%
- Drivers in Norfolk, VA with an accident in their driving history pay on average 43.84% more than drivers with a clean record
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 17 in the number of speeding infractions per driver.
- Rank within state: #17
- Percent of drivers in Norfolk with a speeding ticket: 15.1%
- Drivers in Norfolk, VA with a speeding ticket in their driving history pay on average 32.51% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Norfolk drivers rank 14 in the number of DUI’s per driver across all cities in Virginia.
- Rank within state: #14
- Percent of drivers in Norfolk with a DUI: 2.22%
- Drivers in Norfolk, VA with a DUI in their driving history pay on average 18.23% more than drivers with a clean record
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Norfolk is the Nissan Altima.
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 17 in rude driving infractions.
- Rank within state: #17
- Percent of drivers in Norfolk with a reckless driving violation: 3.49%
- Drivers in Norfolk, VA with a reckless driving violation in their driving history pay on average 35.47% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Norfolk drivers rank 20 in clean driving records across all cities in Virginia.
- Rank within state: #20
- Percent of drivers in Norfolk with clean record: 74.52%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Norfolk drivers rank 23 in failure to yield violations per driver across all cities in Virginia.
- Rank within state: #23
- Percent of drivers in Norfolk with a failure to yield violation: 0.71%
- Drivers in Norfolk, VA with a failure to yield violation in their driving history pay on average 1600% more than drivers with a clean record
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 10 in the number of reckless driving offenses per driver.
- Rank within state: #10
- Percent of drivers in Norfolk with a reckless driving offense: 0.59%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Norfolk drivers rank 33 in hybrid and electric vehicle ownership across all cities in Virginia.
- Rank within state: #33
- Percent of drivers in Norfolk with a hybrid/electric vehicle: 0.82%
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.
Content Specialist at Insurify
Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.
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