Norfolk, VA Car Insurance

Norfolk drivers pay, on average, around $68 a month for their car insurance. To learn more about car insurance rates in the Norfolk area, read our guide below.
Map of cities where drivers can find cheaper car insurance
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What rates should residents of Norfolk expect to pay for their car insurance? How does Norfolk compare to the surrounding area and the rest of Virginia? Discover the factors that go into calculating the average cost in our writeups and charts below:

How much is car insurance in Norfolk?

Area Average Monthly Car Insurance Premium
Norfolk$68
VA$61
United States$81

Based on the information in the chart above, you can see that on average, it's about $7 a month more expensive to insure your vehicle in Norfolk than it is in the rest of Virginia.

Compared to the national average cost of auto insurance coverage, Norfolk has lower rates. Car insurance rates for the United States as a whole are, on average, $13 more expensive than the rates you'd pay in Norfolk.

Bear in mind that while these are the average car insurance rates for Norfolk, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.

But don't worry, we've broken down the average rates for Norfolk residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$103
25-34$67
35-44$61
45-54Not Enough Data
55-64$49
65+$50

The longer you've been on the road, the more experienced of a driver you are. When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay two times the price that someone who is at retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. Norfolk drivers may see their rates start to rise again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$70
Female$66

Male drivers pay, on average. slightly more than female drivers for auto insurance. In Norfolk, this difference shakes out to about $4 per month. As illustrated in the table above, male drivers in the area pay about $70 on average, while female drivers pay around $66 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$88
Multiple Accidents$107
1 Ticket$84
Multiple Tickets$108

Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Norfolk with a single accident will pay around $88 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $84.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$82
2-3 Years$74
4-5 Years$81
6-7 Years$77
8-10 Years$72
11-14 Years$68
15 Years or Older$61

If you look at the first table above, the cheapest vehicles to insure in Norfolk are usually trucks and vans, at $60 per month.

SUV drivers will see rates of about $65, while the rates for car owners average out to about $70 a month.

The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Norfolk are vehicles less than one year old.

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)$71
Married$60
Divorced$53
Widowed$48

Generally, those who are currently married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Norfolk is no exception, with the difference totaling to around $11 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$58
Rent$70
Live with parents$85

Your housing situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $12 a month more than drivers who own property in Norfolk. But if you live with your parents, your rates will be significantly higher.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.

Car Insurance Companies in Norfolk, VA

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The rates for auto insurance in Norfolk went up from 2019-2021, before steadying out in 2022. They finished down in 2022, at $80 per month

How does Norfolk compare to neighboring areas?

Why are car insurance rates in Norfolk different from other areas?

There are a lot of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Laws
  • Crime
  • Total amount of drivers in the community
  • Off-street parking availability
  • Road safety

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Norfolk?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Good news! Compare.com will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer auto coverage in Norfolk.


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Norfolk Insurance FAQs

What factors affect car insurance quotes in Norfolk?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your marital status, credit score, address, and driving record.

Why is the cost of car insurance in Norfolk different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Norfolk?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Norfolk?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Norfolk or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

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