Norfolk drivers pay an average of $1,812/year — $41 more than the national average. With 3,285 crashes per year and a 3.7 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $660/year.
(888) 217-6781Estimated full coverage auto insurance rates for Norfolk, VA from top carriers. Rates are adjusted for Norfolk's 3,285 annual crashes, 3.7 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $603 | $101/mo |
| GEICO | $685 | $114/mo |
| Progressive | $773 | $129/mo |
| State Farm | $848 | $141/mo |
| Allstate | $1,031 | $172/mo |
Estimates based on 2026 rate filings for ZIP 23510. USAA is cheapest at ~$101/mo. Actual rates vary by driver profile and exact Norfolk location.
These Norfolk-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Norfolk, VA. Takes under 2 minutes.
(888) 217-6781As a major city in Virginia with 238,005 residents, Norfolk combines urban traffic density with suburban sprawl. This mix creates varied driving conditions — from congested downtown arteries to high-speed suburban connectors — that influence insurance pricing. Vehicle theft and accident rates in Norfolk track above the state average due to the metro area's size, but savvy drivers find competitive rates by comparing multiple carriers.
For official Virginia insurance regulations, visit the Virginia Bureau of Insurance. For driver licensing, see the Virginia DMV.
Your specific ZIP code within Norfolk can swing your premium by hundreds of dollars. Here's how rates compare across Norfolk neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 23522 | Norfolk South Side | $1,688/yr | $141/mo |
| 23530 | Norfolk West Side | $1,761/yr | $147/mo |
| 23512 | Norfolk North Side | $1,787/yr | $149/mo |
| 23516 | Norfolk East Side | $1,854/yr | $155/mo |
| 23510 | Norfolk Downtown/Central | $1,985/yr | $165/mo |
The cheapest ZIP is 23522 (Norfolk South Side) at $1,688/yr. The most expensive is 23510 (Norfolk Downtown/Central) at $1,985/yr — a $297/year difference for the same driver.
Your Norfolk ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Norfolk. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,805/yr | $317/mo | +110% vs avg |
| Young Adult (20-25) | $2,537/yr | $211/mo | +40% vs avg |
| Adult (26-35) | $1,812/yr | $151/mo | 0% vs avg |
| Mid-Career (36-50) | $1,595/yr | $133/mo | -12% vs avg |
| Senior (51-65) | $1,504/yr | $125/mo | -17% vs avg |
| 65+ | $1,613/yr | $134/mo | -11% vs avg |
Teens in Norfolk pay an average of $3,805/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,504/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Virginia cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Norfolk drivers can save up to $660/year. ZIP 23522 (Norfolk South Side) has the lowest rates starting at $1,688/yr.
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