Best Car Insurance Rates in Norfolk, Virginia

On average your neighbors pay $62 a month

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Compare Car Insurance in Norfolk

Norfolk is the second largest city in Virginia. If you’re a Norfolk driver looking to compare car insurance rates, QuoteWizard can help.

Average Norfolk Insurance Rates

How much does car insurance cost in Norfolk, VA? Drivers here have it good. Average car insurance in Norfolk 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.

Virginia Average Annual Car Insurance Rates
Coverage Rates
Liability $425.61
Collision $280.520
Comprehensive $136.54
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.

Virginia average car insurance rates

QuoteWizard.comhelps consumers compare quotes from top national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near San Francisco, California 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.

Best Car Insurance Companies in Norfolk, VA

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.

Top 10 Vehicles in Norfolk

These are the most popular makes and models owned by Norfolk, VA QuoteWizard users.

  1. Honda Accord EX/LX
  2. Nissan Altima 2.5/S
  3. Toyota Camry LE
  4. Ford F-150
  5. Nissan Sentra S
  6. Nissan Versa S
  7. Ford Explorer
  8. Ford Focus SE
  9. Ford Mustang
  10. Honda Civic LX/EX
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Norfolk, VA

Norfolk, Virginia requires all its drivers to carry minimum liability coverage. The minimum is 25/50/20. This means your policy must include: 

  • Individual Bodily Injury Liability (BIL): $25,000.
    The max amount paid for a person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The total amount paid for every person injured in a car accident.
  • Property Damage Liability (PDL): $20,000.
    The max amount paid for property damage caused by a car accident.

You're also required to have the following uninsured/underinsured coverage:

  • $25,000 uninsured/underinsured motorist bodily injury per person
  • $20,000 uninsured/underinsured property damage
  • $50,000 uninsured/underinsured motorist bodily injury per incident

Recommended Coverage Levels

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: 

  • Individual Body Injury Liability: $100,000 
  • Total Bodily Injury Liability: $300,000 
  • Property Damage Liability: $100,000 

Norfolk Drivers

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.

Driving Conditions

Factors such as weather, road conditions, and traffic can affect your insurance rates. The riskier your driving conditions, the higher your premium can be

Weather

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.

Road Conditions

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.

Traffic Congestion

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.

Moving Violations

Citations and at-fault accidents affect driving record. The more tickets and accidents you have, 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.

Traffic Tickets

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.

DUI and DWAI Arrests

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.

SR-22 DUI/DWAI Insurance

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.

Car Accident Statistics

Drivers pay more for insurance in areas with high accident rates. In 2017, Norfolk police reported 4,199 crashes.

Traffic Fatalities

Norfolk reported 20 crash fatalities in 2017. That is a fatality rate of .16 per 1,000 Norfolk residents.

Vehicle Theft Rates

Drivers in high car theft areas pay more for car insurance. Norfolk Police reported 11 auto theft arrests in 2017.

Save With Car Insurance Discounts

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:

  1. If you’re 55 or over, see if a senior citizens discount is available 
  2. Have more than one car? Look into a multiple car discount
  3. If you live in a safe neighborhood in Norfolk, you could save money 
  4. Drop your comprehensive coverage
  5. There are discount rates for active and retired members of the Military, National Guard, or Reserves
  6. Take a certified defensive driving course 
  7. If you’re a safe driver with a clean record, that can add up to lower rates
  8. Make sure your car as up-to-date safety features and anti-theft devices
  9. Bundle your car insurance with your home or renters insurance, you can cut up to 15 percent off your total bill 
  10. Shop around and compare car insurance rates in Norfolk.

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