Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 20, 2021

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Here's what you should know...

  • Norfolk’s minimum liability requirements are 25/50/20
  • It’s better to carry more than the minimum amount of insurance to guarantee maximum protection in the event of an accident or other event
  • Auto insurance in Norfolk is not required for off-highway vehicles, non-operational vehicles, or those who have paid the uninsured motorists fee of $500
  • The average cost of car insurance in Norfolk, VA is $130.42/mo or $1,565/yr.

Norfolk requires all drivers to meet the minimum liability limits for car insurance coverage. Drivers are also required to carry proof of car insurance in their vehicle whenever they are operating a vehicle.

The minimum bodily liability limits are $25,000 per injured individual, up to a total amount of $50,000 per car accident.

The minimum property damage liability limit set at an amount of $20,000.

Find affordable Norfolk car insurance coverage today with our FREE quote comparison tool! Enter your ZIP code above now!

Brief Summary of Norfolk

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Norfolk, Virginia, has approximately 242,803 residents and over 100 diverse neighborhoods. It is considered to be the educational, business, cultural and medical center of Hampton Roads.

This city is the host of the world’s largest naval base and the international airport is among the busiest in the East Coast.

Established in 1682, Norfolk is an aquatic city that has miles of rivers, lakes, and bay front property. The city’s logo is a mermaid, that can be seen from the downtown area to Ocean View.

This image signifies 300 years of naval and maritime history. Norfolk has many historical attractions, world-class museums, and pristine beaches that attract thousands of tourists each year.

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Average Norfolk Auto Insurance Rates


Norfolk motorists pay approximately $1,565 annually for auto insurance. Insurance companies and agencies do not offer fixed rates.

However, auto insurance rates will differ among motorists based on their personal information and driving history.

It is also possible to receive additional car insurance discounts by belonging to a major automobile club such as AAA.

Drivers will have to perform due diligence in order to find affordable, quality coverage. It is advisable to investigate at least four other policy prior to selecting an insurance carrier.

There are several insurance agencies that can help motorists select certain options they may need in order to have a policy that offers enough coverage.

These agencies are well informed regarding the auto insurance industry and can direct their clients in choosing their coverage wisely.

Monthly Norfolk, VA Car Insurance Rates by ZIP Code

Check out the monthly Norfolk, VA auto insurance rates by ZIP Code below:

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Norfolk, VA Car Insurance Rates by Company vs. City Average

Which Norfolk, VA auto insurance company has the cheapest rates? And how do those rates compare against the average Virginia auto insurance company rates? We’ve got the answers below.

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The Cheapest Norfolk, VA Car Insurance Rates by Credit Score

Your credit score will play a major role in your Norfolk auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Norfolk, VA auto insurance rates by credit score below.

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Norfolk, VA Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Norfolk, VA stack up against other top metro auto insurance rates? We’ve got your answer below.

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The Cheapest Norfolk, VA Car Insurance Rates by Coverage Level

Your coverage level will play a major role in your Norfolk auto insurance rates. Find the cheapest Norfolk, VA auto insurance rates by coverage level below:

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Average Monthly Car Insurance Rates by Age & Gender in Norfolk, VA

These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. Virginia does use gender, so check out the average monthly auto insurance rates by age and gender in Norfolk, VA.

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Norfolk, VA Car Insurance Rates by Company and Age

Norfolk, VA auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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The Cheapest Norfolk, VA Car Insurance Rates by Driving Record

Your driving record will play a major role in your Norfolk auto insurance rates. For example, other factors aside, a Norfolk, VA DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Norfolk, VA auto insurance rates by driving record.

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Factors Affecting Car Insurance Rates in Norfolk, VA

Factors affecting auto insurance rates in Norfolk, VA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Norfolk, Virginia auto insurance.

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Car Insurance Requirements in Norfolk

Most auto insurance agents recommend that drivers elect to purchase higher types of car insurance liability coverage including, comprehensive and collision insurance.

These forms of coverage provide better protection in the event of an accident. The more coverage a driver owns, the less they have to be concerned about if they become involved in an accident or if something happens to their vehicle.

Auto industry experts suggests that drivers own at least 100/300/100 liability coverage in order to guarantee a better level of protection.

For those that can afford the added coverage, it is well worth the financial investment.

Examining the worst case scenario is an effective method of selecting the sufficient amount of coverage. The person that caused an auto accident must have the legal liability limit in order to compensate the other driver for their damages.

If this driver is not adequately covered, they can be sued in order for the other party to receive a financial settlement.

It is essential for drivers to consider their entire financial picture in order to make the right decision regarding the amount of protection they will need.

Drivers must take an adequate amount time investigating different auto insurance policies. Motorists will need to select the select the best car insurance coverage that suits their needs and lifestyle.

This is not a decision that should be done in haste. It takes thorough research to find good auto insurance coverage.

Laws for Auto Insurance in Norfolk

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Here are some of the Virginia requirements for auto insurance coverage:

  • $25,000 for single individual injury
  • $50,0000 for additional individual injuries and property damage liability
  • 20,000 to cover property damage

State car insurance laws do not require drivers to own uninsured/uninsured policies, but it is recommended to obtain, as outlined within the Consumer Auto Insurance Guide.

Additionally, there are non-mandatory suggestions about selecting coverage options for car insurance that motorist may find useful.

In lieu of obtaining auto insurance, motorists can opt to pay an Uninsured Motor Vehicle fee.

This fee will not offer any form of auto insurance; motorists are still personally liable should they cause an auto accident.

However, this option affords drivers the ability to register their vehicle and drive without having liability insurance.

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Consequences for Not Having Coverage

The fee for Uninsured Motor Vehicle is $500. Norfolk motorists that choose to pay this fee rather than own auto insurance, should know that this plan expires with their vehicle registration.

As soon as it is time to renew the vehicle registration, motorists will be able to pay another $500 fee or they may opt to purchase proper auto insurance.

Any driver that fails to meet the required liability minimum standards are subject to substantial fines, suspension of their driver’s license suspension, and possibly having their vehicle impounded.

Drivers that register their vehicle as insured but do not present proof of insurance when requested by a Police Officer, will have to pay high fines and suffer other penalties such as revocation or restriction of their driver’s license.

In order to get the vehicle registered after serving a penalty, the driver will require immediate proof of insurance and must pay a $500.00 statutory fine.

There is an additional fee of $85.00 to reinstate their vehicle registration. Other fees may be applied by the Department of Motor Vehicles regarding reinstating a driver’s license.

Three years after following a violation, the driver must regularly submit proof of insurance coverage to the DMV. If they fail to do so, their auto policy will be canceled.

Norfolk drivers are subject to the Insurance Verification Program which was set up to monitor all uninsured drivers. The primary technique that is utilized when monitoring these motorists, is the use of electronic auto insurance policy records.

All licensed auto agencies must be equipped with this system. This information provides data regarding any new auto policies, modifications to existing auto policies as well as any cancellations.

Electronic record monitoring, in addition to the traditional supervising methods, helps to lower the amounts of uninsured drivers on the road.

The electronic method is a much faster and efficient way to monitor uninsured drivers. It is also a very fast way for authorities to find out those motorists that have let their auto insurance policy lapse.

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Companies Offering Car Insurance in Norfolk

There are many qualified Norfolk companies offering car insurance. Motorists have a range of choices from the nationwide popular insurance providers to the less known local insurers.

It is very important to look up comprehensive reviews on various insurance providers in order to get a full picture of the company and the insurance products they have to offer.

There are a number of qualified agents that are trained to assist motorists in selecting the most suitable policy. There are low-cost options for those that are on a very restricted budget.

But it is very important not to skimp on cheap coverage. Drivers should be adequately prepared in the event they get involved in a major car accident.

Cheap and inadequate auto insurance will cost more in the long run.

Motorists cannot afford to be without sufficient auto coverage, especially with strict laws.

Here are a few Norfolk area car insurance companies:

  • AAA Insurance
  • AIG Insurance
  • Affiliated Agencies-Virginia
  • Allstate Insurance
  • State Farm
  • Tidewater Insurance Inc
  • United American Insurance

Statistics in Norfolk

The Virginia Department of Motor Vehicles gathers traffic accident statistics and publish the data on their official website.

After doing adequate research, motorists can obtain instant car Norfolk insurance quotes at any time with our quote comparison tool.

It is very easy to find an purchase online car insurance policies via the Internet, and our ZIP code search brings them all right to you, FREE!

Try our search tool now and receive an instant quote to see how much you can save!