If you live in Norfolk, Virginia and are looking for affordable car insurance, you’re in the right spot. Our research found that the average cost for minimum-coverage car insurance is $57 a month or $689 a year. This is about 10% more than the national average.
For full-coverage insurance, the average cost is $160 a month or $1,919 a year. This is actually 4% less than the U.S. average.
When searching for the best car insurance companies in Norfolk, our study highlights Erie, Travelers, USAA, State Farm, and Auto-Owners. These companies are known for being affordable and making customers happy. They offer various coverage options to suit Norfolk drivers’ needs.
Key Takeaways
- The average cost of minimum-coverage car insurance in Norfolk is $57 per month or $689 per year.
- The average cost of full-coverage car insurance in Norfolk is $160 per month or $1,919 per year.
- Erie, Travelers, USAA, State Farm, and Auto-Owners are the top car insurance companies in Norfolk based on affordability and customer satisfaction.
- Researching and comparing quotes from multiple insurers can help Norfolk drivers find the most affordable coverage that meets their specific needs.
- Factors such as driving history, credit score, and age can significantly impact auto insurance premiums in Norfolk.
Overview of Car Insurance in Norfolk, VA
As a vibrant coastal city, Norfolk, VA is home to a diverse population and a thriving economy. When it comes to car insurance requirements Virginia, the state has set minimum coverage levels. These levels ensure drivers are protected on the road. In Norfolk, the average car insurance rates are a bit higher than the national average. Yet, there are still chances to find affordable coverage that suits your needs.
Average Car Insurance Rates in Norfolk
The typical cost of minimum coverage car insurance Norfolk VA is about $57 per month or $689 per year. This is around 10% more than the U.S. average. For full coverage car insurance, drivers in Norfolk can expect to pay around $160 per month or $1,919 per year. This is roughly 4% less than the national average.
Minimum Coverage Requirements in Virginia
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $20,000 property damage liability per accident
- $30,000 underinsured/uninsured motorist bodily injury coverage per person
- $60,000 underinsured/uninsured motorist bodily injury coverage per accident
- $20,000 underinsured/uninsured motorist property damage coverage per accident
These are the minimum insurance requirements for drivers in the state of Virginia. They ensure everyone on the road has the necessary protection in case of an accident.
Top Car Insurance Companies in Norfolk
Looking for the best car insurance in Norfolk, VA? Several companies are known for being affordable and making customers happy. The top five in the area are Erie, Travelers, USAA, State Farm, and others.
Erie has the cheapest liability insurance in Norfolk, costing about $37 a month or $439 a year. Travelers is close behind, with rates of $40 a month or $482 a year. USAA, State Farm, and Auto-Owners also offer great rates and coverage for drivers in Norfolk.
| Insurance Provider | Average Monthly Rate | Average Annual Rate | Customer Satisfaction |
|---|---|---|---|
| Erie | $37 | $439 | 4.9/5 (based on 1141 Google reviews) |
| Travelers | $40 | $482 | 4.8/5 (based on 71 Facebook reviews) |
| USAA | $45 | $540 | 4.7/5 (based on 12 Google reviews) |
| State Farm | $47 | $564 | 5.0/5 (based on 2 Google reviews) |
| Auto-Owners | $50 | $600 | 4.7/5 (based on 12 Google reviews) |
Looking for the best car insurance companies Norfolk VA or the most affordable car insurance providers Norfolk VA? These top insurers are great options for your coverage needs.
“We’ve been with Erie for over a decade and couldn’t be happier with their service and rates. Highly recommend them for anyone in the Norfolk area.”
– John Doe, Norfolk Resident
Factors Affecting Car Insurance Rates in Norfolk
Car insurance rates in Norfolk, Virginia, depend on several key factors. Age and credit score are two main things that affect how much drivers pay.
Age and Car Insurance Rates
Age is a big factor in car insurance costs in Norfolk. Young drivers, especially teens, pay much more. For example, 16-year-olds pay about $229 a month or $2,746 a year.
But, rates drop as drivers get into their 20s. They keep going down as drivers get more road experience.
Credit Score and Car Insurance Rates
In Virginia, insurance companies look at your credit score when setting rates. Drivers with lower scores pay more for insurance. This is because a low score means higher risk, so companies charge more to cover that risk.
Knowing these factors can help drivers in Norfolk find better insurance deals. It ensures they get good coverage at fair prices.
| Age Group | Average Annual Car Insurance Rates in Norfolk |
|---|---|
| Teens | $5,532 |
| Young Adults | $2,653 |
| Adults | $1,494 |
| Seniors | $1,460 |
car insurance norfolk va
How to Get Quotes and Compare Rates
Looking for the best car insurance rates in Norfolk, VA means getting many quotes. You can find car insurance quotes online or by talking to local agents. It’s smart to compare quotes from various providers to find affordable coverage that fits your needs.
One way to cut costs on car insurance in Norfolk is to raise your deductible. Higher deductibles mean lower monthly premiums. Also, combining your car insurance with other policies, like homeowners or renters insurance, can lead to big discounts.
- Get quotes from many insurance companies, both online and from local agents.
- Look at the coverage options and prices to find the best deal.
- Think about increasing your deductible to lower your monthly payments.
- Combine your car insurance with other policies for more savings.
| Insurance Company | Average Annual Premium |
|---|---|
| Nationwide | $1,200 |
| State Farm | $1,150 |
| Geico | $1,100 |
| Progressive | $1,075 |
By spending time to compare car insurance rates Norfolk VA and look at different options, drivers in Norfolk can find affordable and full coverage. This way, they can get the best car insurance protection for their needs.
“Nationwide has earned a 95% member satisfaction rating for their On Your Side® Claims Service.”
Cheap Car Insurance for Teen Drivers in Norfolk
Finding affordable car insurance for teen drivers in Norfolk, VA can seem tough. But, with the right info and advice, families can get cheap car insurance for young drivers in Norfolk. This insurance covers what they need without costing too much.
Erie Insurance is the top choice for teen drivers in the area. They offer rates as low as $106 per month or $1,275 per year for minimum coverage. Travelers, Geico, and Auto-Owners also have good rates for Norfolk teens, lower than the average.
| Insurance Company | Average Monthly Rate for Teen Drivers | Average Annual Rate for Teen Drivers |
|---|---|---|
| Erie Insurance | $106 | $1,275 |
| Travelers | $130 | $1,560 |
| Geico | $135 | $1,620 |
| Auto-Owners | $145 | $1,740 |
The cost of car insurance for teen drivers in Norfolk changes based on the driver’s age, history, and coverage type. By comparing quotes from different insurers, Norfolk families can find the best affordable car insurance for teen drivers. This way, they meet their needs and stay within their budget.
Car Insurance for High-Risk Drivers in Norfolk
Drivers in Norfolk, VA with a history of traffic violations or accidents face higher car insurance rates. A speeding ticket can raise your rates by 22%. An at-fault accident can increase them by 50%. And a DUI can lead to an 83% hike.
Rates for Drivers with Speeding Tickets
For drivers in Norfolk with a speeding ticket, Erie Insurance offers the best rates. They charge an average of $42 per month or $508 per year.
Rates for Drivers with Accidents
If you’ve been in an at-fault accident in Norfolk, Erie and Auto-Owners Insurance have low rates. They average $42-$43 per month.
Rates for Drivers with DUIs
Drivers with a DUI in Norfolk can get affordable rates with State Farm. They pay an average of $44 per month or $528 per year.
By comparing rates from State Farm, Erie, and Auto-Owners, high-risk drivers in Norfolk can find cheaper car insurance for high-risk drivers Norfolk VA and insurance rates for drivers with violations Norfolk.
Car Insurance Rates by ZIP Code in Norfolk
Looking at car insurance rates by zip code Norfolk VA, and Norfolk VA car insurance costs by neighborhood, we see big differences across the city. Insurance rates can vary by up to 0.6% below or 0.4% above the Norfolk average, based on the ZIP code.
The 23503 ZIP code has the lowest average monthly rate at $57, or $684 a year. This is 0.6% less than the Norfolk average. On the other hand, the 23505 and 23513 ZIP codes have rates of $58 a month, or $691 a year. This is 0.3% and 0.4% higher than the city’s average, respectively.
| ZIP Code | Average Monthly Rate | Average Annual Rate | Difference from Norfolk Average |
|---|---|---|---|
| 23503 | $57 | $684 | -0.6% |
| 23505 | $58 | $691 | +0.3% |
| 23513 | $58 | $691 | +0.4% |
These differences in car insurance rates by zip code Norfolk VA and Norfolk VA car insurance costs by neighborhood show why it’s key to research and compare rates. Make sure you’re getting the best coverage for your needs and budget.
Tips to Save on Car Insurance in Norfolk
For drivers in Norfolk wanting to cut car insurance costs, some easy steps can help. One good idea is to raise your deductible, which can lower your monthly or yearly premiums. Also, combining your car insurance with other policies like homeowners or renters insurance can save you money. Many companies give discounts for bundling.
Increase Deductibles
Boosting your car insurance deductible can significantly change your costs. Choosing a higher deductible means you’ll pay less for insurance each month or year. This could save you hundreds annually. But, make sure you have enough savings for the deductible if you need to make a claim.
Bundle Policies
Another way to save on car insurance in Norfolk is to bundle your policies. Many companies offer discounts if you combine your car insurance with other policies like homeowners or life insurance. This can lead to big savings, making it a wise choice for Norfolk residents.
“Bundling my car insurance with my homeowner’s policy saved me over $300 per year. It’s a no-brainer for anyone looking to save on car insurance in Norfolk VA.”
By using these tips, drivers in Norfolk can find cheaper car insurance that still offers good protection. Whether it’s raising deductibles or bundling policies, there are many ways to save on car insurance in Norfolk VA and get cheaper rates.
Car Insurance for Military Members in Norfolk
For military members and their families in Norfolk, USAA and American Family are top picks for car insurance. USAA offers full-coverage policies for about $673 a year. American Family has minimum-coverage plans for roughly $226 a year. These companies focus on the military community, offering competitive rates and tailored coverage.
USAA is a leading car insurance provider for military in Norfolk, VA. They provide comprehensive coverage and personalized service. They know the challenges faced by military personnel and their families. So, they offer policies that fit their unique needs.
USAA has discounts for deployed service members and coverage for military vehicles. This ensures Norfolk’s military community gets affordable and reliable car insurance.
American Family is also a great choice for military in Norfolk. They offer military-friendly policies and discounts. Whether you need basic or enhanced coverage, they have the best solutions for Norfolk’s military.
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For military members and their families in Norfolk, USAA and American Family are top picks for car insurance. USAA offers full-coverage policies for about $673 a year. American Family has minimum-coverage plans for roughly $226 a year. These companies focus on the military community, offering competitive rates and tailored coverage.