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Average Cost of Car Insurance in Norfolk

Norfolk$816
Virginia$790
US$1,424

On average, the annual cost of car insurance in Norfolk is $816 per year, which is higher than the standard auto coverage rate in the state of Virginia, but still lower than the national average cost. Policyholders who live in Norfolk pay about 3.3% more than the usual cost of auto coverage in Virginia, but they pay around 42.7% less than the $1,424 average annual premium in the United States.

The Best Cheap Car Insurance Companies in Norfolk

Of the 10 car insurance companies in Norfolk, Progressive ranks first in affordability. Progressive offers an average annual premium of $525. In fact, for most drivers, Progressive's auto coverage is less than half as expensive as a similar policy with MetLife, the costliest car insurance provider in Norfolk.

Company
Amountper year
1. Progressive
In 2020, Progressive ranked #1 in Norfolk for the cheapest car insurance for the average driver.
$525
2. Erie
In 2020, Erie ranked #2 in Norfolk for the cheapest car insurance for the average driver.
$668
3. GEICO
In 2020, GEICO ranked #3 in Norfolk for the cheapest car insurance for the average driver.
$702
4. USAA
In 2020, USAA ranked #4 in Norfolk for the cheapest car insurance for the average driver.
$732
5. Nationwide
In 2020, Nationwide ranked #5 in Norfolk for the cheapest car insurance for the average driver.
$739
6. State Farm
In 2020, State Farm ranked #6 in Norfolk for the cheapest car insurance for the average driver.
$780
7. Mercury
In 2020, Mercury ranked #7 in Norfolk for the cheapest car insurance for the average driver.
$882
8. Travelers
In 2020, Travelers ranked #8 in Norfolk for the cheapest car insurance for the average driver.
$899
9. Allstate
In 2020, Allstate ranked #9 in Norfolk for the cheapest car insurance for the average driver.
$943
10. MetLife
In 2020, MetLife ranked #10 in Norfolk for the cheapest car insurance for the average driver.
$1,208

Personalized Quotes to Get You the Cheapest Car Insurance in Norfolk

If you and your friend compared car insurance quotes, you may notice that the annual premiums offered to you are different. This is because auto insurance providers compute your rates depending on several individual factors, such as age, driving record, car make and model and coverage level, in addition to your location.

For example, in Norfolk, an 18-year-old driver getting auto coverage from Progressive will pay an average premium of $3,244 per year, which is six times more expensive than similar coverage for a 40-year-old driver.

Because promotions and discount offers vary by provider, you need to regularly get a personalized quote from several car insurance companies in Norfolk to check if you qualify for offers that can help save you money in the long run.

Auto Insurance Rates

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Cheapest Car Insurance in Norfolk by Coverage Amount

How much car insurance coverage you purchase in Norfolk also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

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Virginia Minimum Liability Requirements

ItemDescription
Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $20,000 for property damage. A more protective level is 100/300/100.
Uninsured Motorist$25,000 per person, $50,000 per incident and $20,000 for property damage. The minimum coverage may not be enough if you're in a serious accident.

The limit of your car insurance coverage is represented by three numbers, such as 50/100/50. In Norfolk, for example, GEICO offers both 50/100/50 liability-only and 50/100/50 full-coverage plans.

A 50/100/50 liability-only plan means that the maximum amount your auto coverage will cover for an injury to one individual is $50,000, up to $100,000 for each vehicle, with a maximum payout of $50,000 for property damage repair. GEICO offers this plan for an average of $397 annually, and it only covers the costs of the other driver.

The 50/100/50 full-coverage plan, which also pays for your own expenses in case of an accident, costs about $261 more than a 50/100/50 liability-only policy from GEICO.

Different car insurance companies in Norfolk have various premium differences between the two coverage levels, so it’s best that you acquire a personalized quote from several providers in the city to find a plan that best suits your individual needs.

Average Car Insurance Premiums by Coverage Type

Liability Only
CompanyState Minimumper year50 / 100 / 50per year
1. Progressive$336$359
2. Erie$348$386
3. GEICO$356$397
4. USAA$366$418
5. State Farm$413$478
6. Nationwide$451$467
7. Mercury$426$492
8. Travelers$479$530
9. Allstate$479$532
10. MetLife$700$792
Full Coverage
Company50 / 100 / 50per year100 / 300 / 100per year
1. Progressive$477$525
2. Erie$617$668
3. GEICO$658$702
4. USAA$684$732
5. State Farm$702$780
6. Nationwide$738$739
7. Mercury$815$882
8. Travelers$843$899
9. Allstate$894$943
10. MetLife$1,236$1,208
Auto Insurance Rates

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Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Norfolk If You Have Tickets

Getting a cheap car insurance rate in Norfolk is possible if you have a clean driving record. For example, drivers living in Norfolk with a speeding ticket will pay around $268 more in annual car insurance premiums for a MetLife policy than drivers with a clean driving record.

Getting a DUI is also taken into consideration. MetLife policyholders in Norfolk with a DUI in their record will pay almost three times more than the most affordable rate given to drivers with a clean driving record.

CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
1. Progressive$700$908$735
2. Erie$697$877$1,053
3. State Farm$854$928$854
4. Nationwide$911$1,064$1,252
5. USAA$888$1,075$1,346
6. GEICO$702$1,044$1,767
7. Mercury$1,277$1,513$1,185
8. Travelers$1,262$1,327$1,461
9. Allstate$1,221$1,556$1,370
10. MetLife$1,476$1,794$3,468

Average Cost of Car Insurance by Postal Code

How much you pay for your auto coverage varies depending on your residential neighborhood. However, this isn’t really the case in Norfolk, as costs in this city barely vary at all by neighborhood. For example, drivers who live in the most expensive ZIP code for auto coverage, 23503, will pay about $16 more for their car insurance in Norfolk than drivers who live in ZIP code 23518.

Zip CodeState Minimumper year
23518$808
23513$818
23503$823

Factors That Impact Insurance Costs in Norfolk

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Norfolk. How Norfolk ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities165th/300
handcuffs2 icon
Most Car Thefts65th/300
uninsured icon
Most Uninsured Motorists by State34th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall56th/300
umbrella icon
Most Rainy Days78th/300

Shopping around for car insurance in Norfolk could save you $291, which is enough to buy:


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97Cups of Coffee
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22Months of Your Favorite Streaming Service

Methodology and Assumptions

MoneyGeek’s average premium rates for Norfolk are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on overage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.