The average cost of car insurance in Norfolk, Virginia is $154 per month or $1,848 per year. This is about 27% higher than the statewide average and 10% more than the national average. Yet, there are several insurance providers that offer competitive rates and quality coverage for Norfolk drivers.
The top car insurance companies in Norfolk include Erie, Travelers, USAA, State Farm, and Auto-Owners. These insurers have average minimum coverage rates ranging from $37 to $43 per month. Full coverage rates are from $104 to $124 per month.
Norfolk drivers can find affordable options by comparing quotes and taking advantage of available discounts.
Key Takeaways
- The average cost of car insurance in Norfolk, VA is $154 per month or $1,848 per year.
- Top insurers in Norfolk include Erie, Travelers, USAA, State Farm, and Auto-Owners.
- Minimum coverage rates range from $37 to $43 per month, while full coverage is $104 to $124 per month.
- Comparing quotes and utilizing discounts can help Norfolk drivers find affordable car insurance.
- Norfolk car insurance rates are 27% higher than the Virginia average and 10% more than the national average.
Top Car Insurance Companies in Norfolk
When looking for the best car insurance in Norfolk, drivers have many great choices. These companies offer affordable rates and excellent customer service. They help Norfolk residents stay safe on the road.
Erie
Erie is a top choice in Norfolk for car insurance. It has the cheapest minimum coverage at $37 per month or $439 yearly. Erie also offers the lowest full coverage at $104 per month or $1,251 yearly. Erie is praised for its customer satisfaction and financial strength, making it a solid choice for drivers in Norfolk.
Travelers
Travelers is another affordable option in Norfolk. It has minimum coverage rates of $40 per month or $482 yearly, and full coverage at $114 per month or $1,369 yearly. Travelers is known for its great customer service and handling claims well, making it a reliable choice for drivers in Norfolk.
USAA
USAA is a top insurer for military members, veterans, and their families in Norfolk. It offers minimum coverage rates of $40 per month or $484 yearly, and full coverage at $119 per month or $1,430 yearly. USAA is a great option for Norfolk’s military community.
State Farm
State Farm is a big auto insurer and a favorite in Norfolk. It has minimum coverage rates of $40 per month or $485 yearly, and full coverage at $117 per month or $1,401 yearly. State Farm is known for its discounts and excellent claims service.
Auto-Owners Insurance
Auto-Owners Insurance is another affordable choice in Norfolk. It offers minimum coverage rates of $43 per month or $515 yearly, and full coverage at $124 per month or $1,493 yearly. Auto-Owners is known for its competitive rates, especially for drivers with violations.
| Insurance Provider | Average Minimum Coverage Rates | Average Full Coverage Rates |
|---|---|---|
| Erie | $37 per month / $439 per year | $104 per month / $1,251 per year |
| Travelers | $40 per month / $482 per year | $114 per month / $1,369 per year |
| USAA | $40 per month / $484 per year | $119 per month / $1,430 per year |
| State Farm | $40 per month / $485 per year | $117 per month / $1,401 per year |
| Auto-Owners Insurance | $43 per month / $515 per year | $124 per month / $1,493 per year |
norfolk car insurance: Minimum Coverage Rates
In Norfolk, drivers pay an average of $57 per month or $689 per year for minimum coverage car insurance. This is about 10% higher than the national average. Yet, some insurers offer cheaper options in the city.
Erie Insurance has the cheapest rates in Norfolk, at $37 per month or $439 per year. Travelers is close behind, with rates of $40 per month or $482 per year. USAA, State Farm, and Auto-Owners also offer competitive rates, between $40 to $43 per month.
| Insurance Provider | Minimum Coverage Rate (per month) | Minimum Coverage Rate (per year) |
|---|---|---|
| Erie | $37 | $439 |
| Travelers | $40 | $482 |
| USAA | $40 | $480 |
| State Farm | $42 | $501 |
| Auto-Owners | $43 | $515 |
For those looking for the cheapest minimum coverage car insurance, Erie and Travelers are great choices.
Full Coverage Car Insurance Costs
Drivers in Norfolk pay about $160 a month or $1,919 a year for full coverage car insurance. This is 4% less than the national average. Erie is the best choice for those looking for the cheapest full coverage.
Erie: Cheapest Full Coverage
Erie has the lowest full coverage rates in Norfolk, costing $104 a month or $1,251 a year. This policy covers liability, collision, and comprehensive coverage. Erie is the top choice for drivers in Norfolk who want full protection without spending a lot.
Travelers, State Farm, and USAA: Full Coverage Rates
Travelers, State Farm, and USAA are also great for full coverage car insurance in Norfolk. Travelers costs about $114 a month or $1,369 a year. State Farm and USAA cost $117 a month or $1,401 a year, and $119 a month or $1,430 a year, respectively.
“Erie stands out as the clear choice for the most affordable full coverage car insurance in Norfolk.”
Factors Affecting Car Insurance Rates
Car insurance rates in Norfolk, Virginia are influenced by many factors. These include a driver’s profile and the local area’s characteristics. Insurance companies look at these to set the right premiums.
Age is a big factor in car insurance costs in Norfolk. Young drivers under 25 usually pay more because they’re less experienced and riskier on the road. Drivers over 30 often pay less because they’re more experienced.
Credit score is also key for insurance companies in Norfolk. Drivers with poor credit are seen as higher-risk and pay more for insurance. Those with great credit pay less.
- Driving record: Speeding tickets, accidents, and DUI/DWI convictions raise insurance costs in Norfolk.
- Location within Norfolk: Some ZIP codes have higher or lower average insurance rates due to traffic and accidents.
- Severe weather and coastal risks: Norfolk’s coastal location makes it prone to hurricanes and extreme weather, affecting insurance rates.
Drivers can lower their insurance costs by keeping a clean driving record, improving their credit, and finding discounts.
“Managing car insurance costs in Virginia involves comparing rates, improving driving records, considering higher deductibles, and looking for discounts.”
Insurance companies in Norfolk also consider the city’s coastal risks and severe weather. Events like hurricanes and flooding increase claims and premiums for drivers.
Car Insurance for Norfolk Teens
Car insurance for teens in Norfolk can be expensive. On average, 16-year-olds pay $229 a month or $2,746 a year. But, some companies offer cheaper rates for young drivers in Norfolk. Erie is one of the cheapest options, with rates starting at $106 a month or $1,275 a year.
Travelers, Geico, and Auto-Owners also offer affordable car insurance for teens in Norfolk. Travelers has rates of $131 a month or $1,576 a year. Geico and Auto-Owners offer rates around $149 a month or $1,788 to $1,794 a year for teens in Norfolk.
| Insurer | Minimum Coverage Rates | Full Coverage Rates |
|---|---|---|
| Erie | $106/month or $1,275/year | N/A |
| Travelers | $131/month or $1,576/year | N/A |
| Geico | $149/month or $1,788/year | N/A |
| Auto-Owners | $149/month or $1,794/year | N/A |
By looking into these affordable options, Norfolk teens and their families can find car insurance that suits their budget. This way, they get the protection they need on the road.
Car Insurance for Military Drivers in Norfolk
Norfolk, Virginia, is famous for its large naval base. It’s a key spot for active-duty service members and veterans. For car insurance, USAA is a top choice for military drivers. They offer rates of $53 per month or $643 yearly for minimum coverage. Full coverage costs $99 monthly or $1,188 yearly.
A cheaper option for car insurance for military members in norfolk is American Family. They have average rates of $226 and $601 yearly for minimum and full coverage, respectively. This makes American Family a great choice for those looking for affordable, reliable car insurance.
Choosing the best car insurance for military in norfolk means looking at coverage limits, deductibles, and discounts. By comparing quotes, military drivers can find the right mix of cost and protection for their vehicles and assets.
| Insurance Provider | Average Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
| USAA | $53 per month / $643 per year | $99 per month / $1,188 per year |
| American Family | $226 per year | $601 per year |
Understanding the unique needs and options for car insurance for military members in norfolk helps drivers make smart choices. They can get the protection they need in this vibrant coastal city.
How to Compare Cheap Norfolk Car Insurance Quotes
Finding affordable car insurance in Norfolk, VA is key, especially since Virginia is the 40th priciest state for auto insurance. With over 235,000 residents, Norfolk’s diverse population means finding the right insurance plan can save you money each month.
To find the cheapest car insurance quotes in Norfolk, compare offers from many providers. This can be done online in just 15 minutes by sharing some basic info about you and your car. Sites like MoneyGeek’s car insurance calculator can also give you an estimate based on your age, driving history, and coverage needs.
When comparing car insurance quotes in Norfolk, look at more than just the price. Consider customer service, discounts, and the company’s financial strength. This way, you can find the best coverage at a good price.
| Insurer | Average Annual Premium | Discounts Offered |
|---|---|---|
| State Farm | $1,200 | Good driver, student, safe vehicle |
| Allstate | $1,350 | Bundling, defensive driver, pay-in-full |
| Geico | $1,100 | Military, federal employee, good credit |
By taking the time to how to find cheap car insurance in norfolk va, drivers in Norfolk can get great coverage at low rates. This helps them save money each month and stay safe on the road.
“The key to finding the cheapest car insurance in Norfolk is to shop around and compare multiple quotes. Don’t just go with the first option – take the time to explore your options and find the plan that fits your needs and your budget.”
Discounts and Ways to Save on Car Insurance
If you drive in Norfolk, you can lower your car insurance costs. Many insurers offer discounts that can cut your premiums. By using these offers, you can car insurance discounts in norfolk and how to save money on car insurance in norfolk.
One way to save is by bundling your car insurance with other policies like homeowners or renters insurance. This can save you up to 25%. Also, insuring more than one vehicle under one policy can save you 5% to 25%.
Keeping a clean driving record helps lower your insurance rates. You can save hundreds by driving safely and without any tickets. If you drive less than 7,000 miles a year, you might get a discount of about 2%.
| Discount Type | Potential Savings |
|---|---|
| Multi-Policy Bundle | 5% – 25% |
| Multi-Car | 5% – 25% |
| Good Driver | Hundreds of dollars |
| Low Mileage | ~2% |
| Good Student | ~10% |
| Telematics | Up to 30% |
| Higher Deductible | Reduces premiums |
Other savings include discounts for good students (about 10%), telematics (up to 30%), and choosing a higher deductible. By looking at all discounts and options, Norfolk residents can find affordable car insurance.
“Comparing quotes from multiple providers and taking advantage of any available military, senior, or other applicable discounts can help Norfolk residents find the most affordable car insurance coverage.”
Conclusion
Norfolk’s car insurance rates might be higher than the national average. But, drivers can still find affordable options by comparing quotes from top insurers like Erie, Travelers, USAA, State Farm, and others. By knowing what affects their insurance costs, such as age, driving history, and location, residents can customize their policies to fit their budgets.
For those in Norfolk looking for the basics in coverage, rates start at $37 per month. Full coverage can be as low as $104 per month. Using discounts and regularly checking policies can also help save money. This way, Norfolk drivers can protect themselves and their cars without spending too much.
Understanding Norfolk car insurance shows the value of shopping around and considering personal situations. By using the insights and data given, Norfolk drivers can confidently navigate the insurance world. This ensures their vehicles and financial health are well-protected.
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Norfolkâs car insurance rates might be higher than the national average. But, drivers can still find affordable options by comparing quotes from top insurers like Erie, Travelers, USAA, State Farm, and others. By knowing what affects their insurance costs, such as age, driving history, and location, residents can customize their policies to fit their budgets.