Car Insurance in Norfolk, Virginia
Estimated full coverage in Norfolk runs about $1,515 a year ($126/month) — ▲ +11% versus the Virginia average, ranking 3rd most expensive of the 13 Virginia cities we cover.
Why car insurance in Norfolk costs more than the Virginia average
Insurers price by territory, and Norfolk's numbers explain most of the gap. With 231,105 residents on 53.3 square miles, the city's density (4,338 people per square mile) is 11.5 times the density where the typical Virginia resident lives (378). The average commute is 23.0 minutes (Virginia: 27.3), and 71% of workers drive alone. Together these put our location factor at 1.10× the state baseline for liability and collision, and 1.14× for comprehensive once FEMA weather risk for Norfolk city is included.
| Factor | Norfolk | Virginia ref. | Why it matters |
|---|---|---|---|
| Population density | 4,338 / sq mi | 378 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 23.0 min | 27.3 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 4.6% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 70.6% | — | Share of workers commuting by car. |
| Public transit to work | 2.6% | — | Transit use lowers how much residents drive. |
| Work from home | 10.2% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 11.5% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 77.5 | 62.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Norfolk
Rates can change from one ZIP code to the next. Across 14 Norfolk ZIP codes, our full-coverage estimate ranges from $1,350 in 23511 to $1,590 in 23503. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 23503 | 30,216 | 5,988 | 27.1 min | 7.2% | $1,590 | +5% |
| 23518 | 29,746 | 4,851 | 26.0 min | 3.8% | $1,560 | +3% |
| 23513 | 28,628 | 5,645 | 24.5 min | 11.6% | $1,550 | +2% |
| 23505 | 28,247 | 4,299 | 22.5 min | 12.9% | $1,505 | −1% |
| 23504 | 23,502 | 5,746 | 21.2 min | 23.4% | $1,510 | 0% |
| 23502 | 20,399 | 2,059 | 22.7 min | 9.9% | $1,455 | −4% |
| 23508 | 19,432 | 5,818 | 24.0 min | 7.5% | $1,550 | +2% |
| 23509 | 13,105 | 5,151 | 23.2 min | 8.8% | $1,530 | +1% |
| 23511 | 9,664 | 1,889 | 14.4 min | 0.0% | $1,350 | −11% |
| 23510 | 9,190 | 7,998 | 21.7 min | 22.4% | $1,545 | +2% |
| 23523 | 8,188 | 3,916 | 24.0 min | 29.7% | $1,515 | 0% |
| 23507 | 6,645 | 7,318 | 18.3 min | 8.1% | $1,495 | −1% |
| 23517 | 4,932 | 5,971 | 17.7 min | 12.7% | $1,470 | −3% |
| 23551 | 1,702 | 3,502 | 18.3 min | 0.0% | $1,440 | −5% |
Minimum car insurance in Norfolk
Norfolk drivers follow Virginia's rules: at least 50/100/25 liability coverage, and uninsured motorist coverage. Virginia is at-fault (tort). We estimate state-minimum coverage in Norfolk at $690 a year, and $830 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $50,000 per person / $100,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Virginia does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 50/100/25 Every liability policy must include uninsured motorist coverage at no less than the minimum liability limits. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | Yes | 50/100/25 Virginia's required uninsured motorist coverage also protects against underinsured drivers. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical expense benefits coverage is optional. | Medical bills for you and your passengers |
Every vehicle registered in Virginia must be insured; paying an uninsured motor vehicle fee instead of buying insurance is no longer allowed.
Minimums were raised recently from 30/60/20, and the uninsured motor vehicle fee option was eliminated.
Risk factors that shape Norfolk premiums
Accidents
Virginia recorded 917 traffic deaths, or 1.04 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Virginia's vehicle theft rate is 112 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Honda Accord (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Norfolk city as relatively low for hail, relatively moderate for inland flooding and relatively moderate for strong wind, and relatively moderate for hurricanes.
Traffic & commuting
4.6% of Norfolk commuters spend an hour or more getting to work, and there are 1.57 vehicles per household. 10.2% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 68.8 | Comprehensive (car); roof claims (home) | |
| Tornado | 74.1 | Comprehensive; dwelling | |
| Hurricane | 93.0 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 75.4 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 82.4 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 71.4 | Comprehensive; dwelling | |
| Winter weather | 69.8 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Norfolk by driver profile
A clean-record driver in their 50s pays the least in our Norfolk model (about $1,390 for full coverage); an 18-year-old on their own policy pays about $4,160, and a DUI pushes a 30-something to $2,800.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,895 | $2,290 | $4,160 | $347 |
| Young adult (22) | $1,100 | $1,330 | $2,420 | $202 |
| Adult in their 30s | $690 | $830 | $1,515 | $126 |
| Adult in their 50s | $635 | $765 | $1,390 | $116 |
| Senior (72) | $770 | $930 | $1,695 | $141 |
| 30s, one at-fault accident | $1,000 | $1,205 | $2,195 | $183 |
| 30s, DUI on record | $1,275 | $1,540 | $2,800 | $233 |
Minimum vs. standard vs. full coverage in Norfolk
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $690 | $57 | $565–$815 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $830 | $69 | $685–$980 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,515 | $126 | $1,240–$1,785 |
Estimate your premium in Norfolk
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Cheap car insurance in Norfolk: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Norfolk's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $95 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $110 | You're among the 10.2% of Norfolk workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $375 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $685 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $330 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Norfolk
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 14 offices listed below.
- Check complaint records with the Virginia Bureau of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Norfolk, our estimates differ by up to $240 a year between neighborhoods.
Car insurance agents near Norfolk, VA
We found 14 insurance offices within about 6 miles of central Norfolk, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
-
Howard Jackson - State Farm
733 Boush Street, Suite 103, Norfolk, VA 23510 -
Carrie Ann Lewis - Farmers Insurance
330 W 22nd St, Norfolk, VA 23517 -
Kenneth Blankenship - Farmers Insurance
4916 Colley Ave, Norfolk, VA 23508 -
The Bouffard Agency
628 Graydon Ave, Norfolk, VA 23507 -
Tracey Vinson - State Farm
3900 Greenway Ct N, Portsmouth, VA 23707 -
Direct Auto Insurance
2552 Airline Boulevard, Portsmouth, VA 23701 -
Garry Price - State Farm
870 North Military Hwy, Suite 200, Norfolk, VA 23502 -
Bill Bowman - State Farm
765 W Little Creek Rd, Suite B, Norfolk, VA 23505 -
Janney Agency, LLC
1369 S Military Hwy, Chesapeake, VA 23320 -
Joe Sictor - State Farm
1365 S Military Hwy, Suite 100, Chesapeake, VA 23320 -
Katz Auto Insurance
VA -
Harry Patterson - Allstate
708 E Little Creek Rd, Norfolk, VA 23518 -
Alysha Parks - Allstate
870 Greenbrier Cir, Chesapeake, VA 23320 -
Keith Dorband - Allstate
1312 E Little Creek Rd, Norfolk, VA 23518
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Norfolk
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,140 | −25% |
| Subaru Outback | Wagon | $1,130 | −25% |
| Tesla Model 3 | Midsize car | $1,590 | +5% |
| Subaru Forester | Small SUV | $1,105 | −27% |
| Honda Civic | Compact car | $1,730 | +14% |
| Toyota Corolla | Compact car | $1,620 | +7% |
| Jeep Wrangler | Midsize SUV | $1,280 | −16% |
| Mazda CX-5 | Small SUV | $1,280 | −16% |
| MINI Cooper | Subcompact car | $1,150 | −24% |
| Tesla Model Y | Midsize SUV | $1,430 | −6% |
More car insurance topics in Norfolk
Car insurance in nearby Virginia cities
- Newport News $1,470/yr · 12 mi
- Chesapeake $1,405/yr · 12 mi
- Hampton $1,460/yr · 14 mi
- Virginia Beach $1,435/yr · 15 mi
- Suffolk $1,375/yr · 22 mi
- Richmond $1,475/yr · 81 mi
- Fredericksburg $1,575/yr · 120 mi
- Alexandria $1,665/yr · 143 mi
- Charlottesville $1,415/yr · 146 mi
- Lynchburg $1,340/yr · 165 mi
- Danville $1,350/yr · 174 mi
- Roanoke $1,400/yr · 204 mi
All Virginia cities and state rules · Homeowners insurance in Norfolk
Frequently asked questions
How much is car insurance in Norfolk, VA?
We estimate full coverage in Norfolk at about $1,515 a year ($126 a month) for a driver in their 30s with a clean record, and about $690 for Virginia's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Norfolk more expensive than the Virginia average?
Our Norfolk estimate is 11% higher than the statewide figure. The model reflects a population density of 4,338 people per square mile (the typical Virginia resident lives at about 378) and an average commute of 23.0 minutes versus 27.3 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Norfolk?
Drivers in Norfolk follow Virginia law: at least 50/100/25 liability coverage and uninsured motorist coverage.
Which ZIP code in Norfolk has the cheapest car insurance?
Among Norfolk's 14 ZIP codes, 23511 has the lowest estimate (about $1,350 a year for full coverage) and 23503 the highest (about $1,590), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Norfolk?
An 18-year-old with their own full-coverage policy would pay around $4,160 a year in Norfolk by our estimate ($1,895 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Norfolk?
FEMA's National Risk Index does not rate Norfolk city as high risk for hail, hurricanes, flooding or tornadoes, so weather has a smaller effect on the comprehensive part of local premiums.
Are there car insurance agents near me in Norfolk?
We list 14 insurance offices in and around Norfolk, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Virginia DMV: Vehicle Insurance Coverage Requirements Change January 1
- Virginia DMV: Insurance Requirements
- Virginia DMV: New Laws Take Effect July 1, 2024 (UMV fee eliminated)
- Code of Virginia 38.2-2206 (uninsured motorist insurance coverage)
- Virginia DMV: Financial Responsibility Certifications (SR-22/FR-44)
- Virginia DMV: A Guide to Reinstating Your Virginia Driving Privilege
- Virginia SCC Bureau of Insurance: File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Norfolk and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places