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How much is car insurance in Norfolk?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Norfolk is about $5 a month more expensive than the rest of Virginia.
When viewed against the average rates for the rest of the U.S., coverage in Norfolk is rather affordable. It's about $15 cheaper than the national average to insure your vehicle in Norfolk.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. The amount that insurance companies end up charging you is determined by a number of factors. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've done the heavy lifting for you and broken down the average rate for Norfolk so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay almost twice the price as drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. That said, once you hit retirement age, your rates may begin to creep back up a bit.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. While female drivers pay a bit less than male drivers on their monthly auto coverage, the difference in Norfolk is only about $1 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records can expect to pay less than those with infractions. In Norfolk, a driving record with one accident will usually get you a rate around $81 a month. Likewise, drivers with one ticket will be looking at a rate of around $97 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$76|
|15 Years or Older||$59|
According to the first table above, the cheapest vehicles to insure in Norfolk are usually trucks and vans.
The policies for car owners average around $65, while SUV owners typically see rates of around $63 to insure each month.
For truck and van drivers, however, their monthly premium totals about $58.
Your vehicle's age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In Norfolk, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$66|
More often than not, married policyholders will pay less for their car insurance. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
In Norfolk, married drivers pay around $58 a month for their car insurance, while their single counterparts pay around $12 more each month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$87|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $10 a month more than drivers who own property in Norfolk. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Norfolk, VA
Recent trends in car insurance for Norfolk drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding when choosing your car insurance policy.
The rates for auto insurance in Norfolk rose from 2016-2017, before steadying out in 2018. Rates had been increasing again recently, hitting a high of $81 in 2021.
How does Norfolk compare to neighboring areas?
Why are car insurance rates in Norfolk different from other areas?
There are numerous factors car insurance companies will consider when figuring out how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:
- Number of car accidents
- Regional regulations
- Crime rates
- Amount of off-street parking
- Amount of drivers in the area
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Norfolk?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Don't worry, Compare.com can handle all of this for you. Put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from loads of car insurance companies that offer plans in Norfolk.
Norfolk Insurance FAQs
What factors affect car insurance quotes in Norfolk?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Norfolk different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Norfolk?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Norfolk?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Norfolk or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?