On average your neighbors pay $62 a monthSee Your Rates
Norfolk is the second largest city in Virginia. If you’re a Norfolk driver looking to compare car insurance rates, QuoteWizard can help.
How much does car insurance cost in Norfolk, VA? Drivers here have it good. Average auto insurance in Virginia costs $750.85 per year. The national annual average is $889.01.
Prices may vary based on your zip code, traffic conditions, and crime rates.
|Total Cost Per Year||$750.85|
|Price Per Month||$62.57|
|Source: Facts + Statistics: Auto insurance|
The graph below shows the average Virginia insurance rates from 2011 to 2015. This is the most recent data available. The Insurance Information Institute found that Virginia car insurance increased from $679.60 in 2011 to $750.85 in 2015. This is a jump of $44 dollars, or 7.22 percent.
QuoteWizard helps consumers compare quotes from top national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Norfolk, Virginia and save up to 40% on your premium.
Last year, 11,695 people used QuoteWizard to compare auto insurance quotes in Norfolk, VA from multiple companies to find the lowest rates.
These are the most popular car insurers reported by QuoteWizard users in Norfolk, Virginia Last year. 2,960 of these drivers were uninsured when they requested a quote.
These are the most popular makes and models owned by Norfolk, VA QuoteWizard users.
Norfolk, Virginia requires all its drivers to carry minimum liability coverage. The minimum is 25/50/20. This means your policy must include:
You're also required to have the following uninsured/underinsured coverage:
Only relying on minimum coverage can lead to big problems later. The minimum doesn’t cover collision or comprehensive coverage.
To make sure you have good coverage, we recommend the following:
Insurance is more expensive in areas with lots of bad drivers. How does Norfolk fare? QuoteWizard ranked state and city drivers from best to worst based on accidents, citations, speeding tickets, and DUIs. According to our data, Virginia came in as 3rd worst driving state.
Factors such as weather, road conditions, and traffic can affect your insurance rates. The riskier your driving conditions, the higher your premium can be
Virginia weather that can make for hazardous driving. Hurricanes and cyclones are fairly common in the state. Rainfall is an average of 44 inches a year. This is five inches above the national average. All of these add up to extra perils on the road.
TRIP reports that 48% of Virginia's roads are in poor condition. Driving on bad roads costs drivers $85 a year in extra car operating costs.
TomTom ranks Norfolk 31st for worst traffic congestion in the United States. Inrix made a traffic scorecard that ranks US cities by traffic congestion. According to Inrix, Norfolk commuters spent an extra 22 hours driving last year.
Citations and at-fault accidents affect driving record. The more tickets and accidents you have on your driving record, the higher your insurance rates go. Drivers with tickets and accidents on their record pay more for car insurance. If you have too many tickets, you may need to buy high-risk auto insurance.
Norfolk Police issued 1,785 traffic citations in 2017. This is a 3.3 percent decrease from the 1,846 citations written in 2016.Getting tickets can contribute to higher insurance rates.
A DUI can hurt your insurance rates.. Our research shows that a DUI leads to an extra $830 per year in car insurance costs. In 2017, Norfolk Police made 128 DWI arrests. This is down 24.26% from the 169 DWI arrests made in 2016.
VA drivers with a suspended license due to DUI must file an SR-22 form. You are required to carry the SR-22 for 36 straight months. If you fail to renew your SR-22 15 days before expiration, your license will be suspended.
Drivers pay more for insurance in areas with high accident rates. In 2017, Norfolk police reported 4,199 crashes.
Norfolk reported 20 crash fatalities in 2017. That is a fatality rate of .16 per 1,000 Norfolk residents.
Drivers in high car theft areas pay more for car insurance. Norfolk Police reported 11 auto theft arrests in 2017.
Are you looking for affordable car insurance? Discounts are one of the best ways to lower insurance rates. These are some of the many auto insurance discounts Norfolk drivers can use. Get a quote and find out which discounts you qualify for.
Looking for ways to get a discount? Norfolk drivers have many options:
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