- Norfolk car insurance rates cost an average of $1,974 per year, or approximately $165 per month.
- Car insurance rates for a few popular vehicles in Norfolk include the Ford F150 at $184 per month, Chevrolet Equinox at $151, and Nissan Sentra at $151.
- For cheap car insurance in Norfolk, compact crossovers and SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, and Hyundai Venue have some of the cheapest rates.
How much does car insurance cost in Norfolk?
Norfolk car insurance costs an average of $1,974 per year, which is 11.8% less than the national average rate of $2,221. The average monthly cost of car insurance in Norfolk is $165 for full coverage auto insurance.
In the state of Virginia, the average car insurance expense is $1,890 per year, so the average cost in Norfolk is $84 more per year. The cost to insure a vehicle in Norfolk compared to other Virginia locations is approximately $76 per year more expensive than in Virginia Beach, $92 per year more expensive than in Newport News, and $40 per year more expensive than in Richmond.
The next chart shows average car insurance cost in Norfolk for all 2024 models. Rates are averaged for all Norfolk Zip Codes and shown not only by driver age, but also by physical damage deductibles.

The average cost of car insurance per month in Norfolk is $165, with policy premium ranging from $116 to $385 for the average costs shown in the previous chart.
Norfolk car insurance rates have extreme variability and can also be significantly different between companies. The possibility of a wide range of rates emphasizes the need to get accurate auto insurance quotes when looking for the cheapest rate.
The age of the driver is the single-largest factor that determines the price of auto insurance, so the list below details how driver age influences cost by showing average car insurance rates depending on driver age.
Norfolk, VA, car insurance cost for drivers age 16 to 60
- 16 year old – $7,027 per year or $586 per month
- 17 year old – $6,807 per year or $567 per month
- 18 year old – $6,100 per year or $508 per month
- 19 year old – $5,557 per year or $463 per month
- 20 year old – $3,968 per year or $331 per month
- 30 year old – $2,104 per year or $175 per month
- 40 year old – $1,974 per year or $165 per month
- 50 year old – $1,750 per year or $146 per month
- 60 year old – $1,640 per year or $137 per month
The rates above for the average cost to insure teen drivers were based on the driver being male. The next chart gets more specific and breaks out average teen driver rates in Norfolk by gender. Young female drivers tend to have cheaper auto insurance rates than their male counterparts.

Car insurance for a 16-year-old female driver in Norfolk costs an average of $464 less per year than the cost to insure a male driver, while at age 19, the cost difference is much less but is still $860 per year cheaper for females.
Norfolk’s favorite vehicles and the cost to insure them
The rates referenced above take the cost to insure each 2024 vehicle model and average them, which is suitable for making broad comparisons like the difference in average auto insurance cost for two different locations in Virginia.
Average auto insurance rates are terrific for getting the answer to questions like “are car insurance rates in Norfolk cheaper than in Chesapeake?” or “is Virginia car insurance cheaper than Colorado?”.
For more comprehensive auto insurance comparisons, however, we need to instead use rates for the specific model of vehicle being insured. Every model has unique characteristics for determining auto insurance prices and this data allows us to perform detailed cost comparisons.
This next list breaks down both annual and monthly average car insurance rates for popular vehicles you’ll find driving the streets of Norfolk. At the end of this article, we’ll examine car insurance rates for some of these models in more detail.
Average auto insurance rates for popular Norfolk vehicles
- Ford F150 – $2,365 per year or $197 per month
- Chevrolet Equinox – $1,947 per year or $162 per month
- Nissan Sentra – $1,936 per year or $161 per month
- Chevrolet Silverado – $2,338 per year or $195 per month
- Honda Civic – $1,876 per year or $156 per month
- Jeep Cherokee – $2,277 per year or $190 per month
- Toyota Corolla – $2,059 per year or $172 per month
- Subaru Outback – $1,804 per year or $150 per month
- Honda Accord – $2,048 per year or $171 per month
- GMC Sierra – $2,340 per year or $195 per month
Models that are popular in Norfolk tend to be compact or midsize cars like the Toyota Corolla, Volkswagen Jetta, and Nissan Altima and compact or midsize SUVs like the Honda CR-V, Toyota RAV4, and Toyota Highlander.
A few additional popular models from other vehicle segments include luxury SUVs like the BMW X5 and Infiniti QX60, luxury cars like the Acura ILX and BMW 530i, and pickup trucks like the Toyota Tacoma and Ford F-150.
We cover more rates coming up in the article, but first, let’s go over some of the key concepts that were discussed so far.
- Norfolk average car insurance cost is less than the U.S. average – $1,974 (Norfolk average) compared to $2,221 (U.S. average)
- Norfolk auto insurance prices are more expensive than the Virginia state average – $1,974 (Norfolk average) versus $1,890 (Virginia average)
- Car insurance with low deductibles costs more – A 20-year-old driver pays an average of $1,058 more per year for $250 physical damage deductibles versus $1,000.
- Car insurance rates fall considerably from age 20 to 30 – The average 30-year-old Norfolk, VA, driver will pay $1,864 less per year than a 20-year-old driver, $2,104 compared to $3,968.
- Car insurance costs less as you age – Average car insurance rates for a 50-year-old driver in Norfolk are $2,218 per year cheaper than for a 20-year-old driver.
- Cost per month ranges from $137 to $586 – That’s the average car insurance price range for drivers age 16 to 60 in Norfolk, VA.
What vehicles are cheap to insure in Norfolk, Virginia?
The models with the best insurance rates in Norfolk, VA, tend to be crossovers and compact SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, Buick Envision, and Nissan Kicks. Average auto insurance rates for those compact SUVs cost $1,715 or less per year ($143 per month) for full coverage car insurance.
Some additional vehicles that come in near the top in the cost comparison table below are the Kia Niro, Volkswagen Taos, Honda HR-V, and Volkswagen Tiguan. The average rates are somewhat higher for those models than the cheapest small SUVs and crossovers that rank near the top, but they still have an average insurance cost of $1,839 or less per year in Norfolk.
The next table breaks down the top 40 cheapest vehicles to insure in Norfolk, ordered by annual cost.
Rank | Make/Model | Annual Premium | Cost Per Month |
---|---|---|---|
1 | Subaru Crosstrek | $1,416 | $118 |
2 | Chevrolet Trailblazer | $1,446 | $121 |
3 | Kia Soul | $1,500 | $125 |
4 | Nissan Kicks | $1,512 | $126 |
5 | Honda Passport | $1,524 | $127 |
6 | Buick Envision | $1,534 | $128 |
7 | Toyota Corolla Cross | $1,548 | $129 |
8 | Hyundai Venue | $1,562 | $130 |
9 | Mazda CX-5 | $1,562 | $130 |
10 | Ford Bronco Sport | $1,572 | $131 |
11 | Volkswagen Tiguan | $1,586 | $132 |
12 | Acura RDX | $1,602 | $134 |
13 | Nissan Murano | $1,614 | $135 |
14 | Buick Encore | $1,630 | $136 |
15 | Subaru Outback | $1,632 | $136 |
16 | Honda CR-V | $1,636 | $136 |
17 | Buick Envista | $1,642 | $137 |
18 | Volkswagen Taos | $1,644 | $137 |
19 | Kia Niro | $1,652 | $138 |
20 | Subaru Ascent | $1,664 | $139 |
21 | Toyota GR Corolla | $1,664 | $139 |
22 | Honda HR-V | $1,668 | $139 |
23 | Nissan Leaf | $1,680 | $140 |
24 | Chevrolet Colorado | $1,688 | $141 |
25 | Lexus NX 250 | $1,696 | $141 |
26 | Honda Civic | $1,698 | $142 |
27 | Volkswagen Atlas | $1,700 | $142 |
28 | Acura Integra | $1,706 | $142 |
29 | Subaru Forester | $1,706 | $142 |
30 | Volkswagen Atlas Cross Sport | $1,706 | $142 |
31 | Kia Seltos | $1,712 | $143 |
32 | GMC Terrain | $1,716 | $143 |
33 | Nissan Rogue | $1,724 | $144 |
34 | Hyundai Kona | $1,726 | $144 |
35 | Mazda CX-30 | $1,730 | $144 |
36 | Cadillac XT4 | $1,732 | $144 |
37 | Volkswagen ID4 | $1,740 | $145 |
38 | Ford Explorer | $1,742 | $145 |
39 | Toyota Highlander | $1,744 | $145 |
40 | Toyota Venza | $1,748 | $146 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Norfolk, VA Zip Codes. Updated June 27, 2025
A table of 40 vehicle models with cheap Norfolk car insurance is fine if you just want the lowest rates. A more useful way to group rates in an analytical manner is by sorting them by their automotive segment. The next sections list the models with the cheapest auto insurance rates in Norfolk for the six most popular vehicle segments.
Cheapest car insurance rates in Norfolk
The three highest ranking non-luxury sedans with the lowest-cost insurance in Norfolk are the Toyota GR Corolla at $1,714 per year, the Nissan Leaf at $1,728 per year, and the Honda Civic at $1,748 per year.
Not the cheapest to insure, but still ranked well, are cars like the Toyota Prius, Honda Accord, Chevrolet Malibu, and Toyota Corolla, with average annual insurance rates of $1,922 per year or less.
Full-coverage auto insurance in this segment for a middle-age safe driver starts at around $143 per month, depending on where you live. The next table ranks the cars with the most affordable car insurance in Norfolk.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Toyota GR Corolla | Compact | $1,714 | $143 |
Nissan Leaf | Compact | $1,728 | $144 |
Honda Civic | Compact | $1,748 | $146 |
Nissan Sentra | Compact | $1,808 | $151 |
Subaru Impreza | Compact | $1,812 | $151 |
Toyota Prius | Compact | $1,844 | $154 |
Kia K5 | Midsize | $1,902 | $159 |
Honda Accord | Midsize | $1,908 | $159 |
Chevrolet Malibu | Midsize | $1,912 | $159 |
Toyota Corolla | Compact | $1,922 | $160 |
Kia Forte | Compact | $1,926 | $161 |
Volkswagen Arteon | Midsize | $1,940 | $162 |
Nissan Versa | Compact | $1,944 | $162 |
Subaru Legacy | Midsize | $1,948 | $162 |
Hyundai Ioniq 6 | Midsize | $1,964 | $164 |
Mitsubishi Mirage G4 | Compact | $1,990 | $166 |
Volkswagen Jetta | Compact | $1,996 | $166 |
Toyota Crown | Midsize | $1,998 | $167 |
Hyundai Sonata | Midsize | $2,000 | $167 |
Mazda 3 | Compact | $2,040 | $170 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Norfolk, VA Zip Codes. Updated June 27, 2025
For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.
Don’t see rates for your vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Norfolk car insurance quotes from top-rated companies in Virginia.
Cheapest SUVs to insure in Norfolk
The Subaru Crosstrek takes the top ranking for the cheapest non-luxury SUV to insure in Norfolk, followed closely by the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. The 2024 model costs an average of $1,458 per year for full-coverage auto insurance.
Also ranking in the top 10 are SUVs like the Hyundai Venue, Mazda CX-5, Ford Bronco Sport, and Toyota Corolla Cross, with average annual insurance rates of $1,616 per year or less.
Auto insurance rates for this segment in Norfolk for a good driver starts at an average of $122 per month, depending on your location.
When rates are compared by vehicle size, the most affordable non-luxury compact SUV to insure in Norfolk is the Subaru Crosstrek at $1,458 per year. For midsize models, the Honda Passport is cheapest to insure at $1,574 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe is cheapest to insure at $1,854 per year.
The comparison table below ranks the twenty SUVs with the lowest-cost insurance rates in Norfolk, starting with the Subaru Crosstrek at $122 per month and ending with the Subaru Ascent at $143 per month.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Subaru Crosstrek | Compact | $1,458 | $122 |
Chevrolet Trailblazer | Compact | $1,484 | $124 |
Kia Soul | Compact | $1,540 | $128 |
Nissan Kicks | Compact | $1,552 | $129 |
Honda Passport | Midsize | $1,574 | $131 |
Buick Envision | Compact | $1,582 | $132 |
Toyota Corolla Cross | Compact | $1,592 | $133 |
Hyundai Venue | Compact | $1,602 | $134 |
Mazda CX-5 | Compact | $1,610 | $134 |
Ford Bronco Sport | Compact | $1,616 | $135 |
Volkswagen Tiguan | Compact | $1,632 | $136 |
Nissan Murano | Midsize | $1,658 | $138 |
Buick Encore | Compact | $1,678 | $140 |
Subaru Outback | Midsize | $1,680 | $140 |
Honda CR-V | Compact | $1,684 | $140 |
Buick Envista | Midsize | $1,688 | $141 |
Volkswagen Taos | Compact | $1,690 | $141 |
Kia Niro | Compact | $1,700 | $142 |
Honda HR-V | Compact | $1,716 | $143 |
Subaru Ascent | Midsize | $1,718 | $143 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Norfolk, VA Zip Codes. Updated June 27, 2025
See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.
Is your SUV missing from the table above? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Norfolk car insurance quotes from top companies in Virginia.
Cheapest luxury car insurance rates in Norfolk, VA
The top-ranked model in Norfolk for cheapest auto insurance in the luxury car segment is the Acura Integra, at an average of $1,756 per year. Second place is the BMW 330i costing $2,010 per year, third place goes to the Mercedes-Benz CLA250, costing an average of $2,030 per year, and in fourth place is the Lexus IS 300, at an average of $2,034 per year.
Additional models that have affordable average insurance rates are the Lexus RC 300, Lexus ES 350, Cadillac CT4, and Mercedes-Benz AMG CLA35, with average cost of $2,074 per year or less.
Ranked in the bottom half of the top 20 cheapest luxury cars to insure, models like the Lexus IS 350, BMW 330e, Cadillac CT5, BMW 228i, Lexus RC 350, and Lexus ES 250 average between $2,074 and $2,212 per year for insurance in Norfolk.
Full-coverage insurance in Norfolk for this segment starts at an average of $146 per month, depending on where you live and the company you use.
If insurance rates are ranked by vehicle size, the cheapest compact luxury car to insure in Norfolk is the Acura Integra at $1,756 per year. For midsize 2024 models, the Mercedes-Benz CLA250 has the best rates at $2,030 per year. And for large luxury cars, the Audi A5 has the most affordable rates at $2,342 per year.
The table below ranks the twenty cars with the lowest-cost average car insurance rates in Norfolk, starting with the Acura Integra at $146 per month and ending with the Audi S3 at $184 per month.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Acura Integra | Compact | $1,756 | $146 |
BMW 330i | Compact | $2,010 | $168 |
Mercedes-Benz CLA250 | Midsize | $2,030 | $169 |
Lexus IS 300 | Midsize | $2,034 | $170 |
Acura TLX | Compact | $2,042 | $170 |
Lexus ES 350 | Midsize | $2,060 | $172 |
Cadillac CT4 | Compact | $2,062 | $172 |
Genesis G70 | Compact | $2,066 | $172 |
Mercedes-Benz AMG CLA35 | Midsize | $2,070 | $173 |
Lexus RC 300 | Midsize | $2,074 | $173 |
Lexus IS 350 | Compact | $2,084 | $174 |
Jaguar XF | Midsize | $2,088 | $174 |
Cadillac CT5 | Midsize | $2,126 | $177 |
Lexus ES 250 | Midsize | $2,136 | $178 |
Lexus RC 350 | Compact | $2,140 | $178 |
BMW 330e | Compact | $2,142 | $179 |
BMW 228i | Compact | $2,146 | $179 |
BMW 230i | Compact | $2,162 | $180 |
Lexus ES 300h | Midsize | $2,166 | $181 |
Audi S3 | Compact | $2,212 | $184 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Norfolk, VA Zip Codes. Updated June 27, 2025
For all luxury car insurance comparisons, see our full luxury car insurance guide.
Don’t see insurance cost for your luxury car? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Norfolk car insurance quotes from top-rated auto insurance companies in Virginia.
Cheapest luxury SUVs to insure in Norfolk
The three top-ranked luxury SUVs with the lowest-cost insurance in Norfolk are the Acura RDX at $1,650 per year, the Lexus NX 250 at $1,748 per year, and the Cadillac XT4 at $1,782 per year.
Other models that have affordable insurance rates are the Mercedes-Benz GLB 250, Lexus NX 450h, Lexus UX 250h, and Lexus NX 350h, with an average cost to insure of $1,904 per year or less.
In the bottom half of the top 20, SUVs like the Infiniti QX50, Infiniti QX60, Lexus RX 350, Land Rover Evoque, Mercedes-Benz AMG GLB35, and Mercedes-Benz GLA250 average between $1,904 and $1,980 to insure per year.
Full-coverage car insurance in this segment for a good driver can cost as low as $138 per month, depending on the company.
If prices are ranked by vehicle size, the lowest-cost small luxury SUV to insure in Norfolk is the Acura RDX at $1,650 per year. For midsize luxury SUVs, the Jaguar E-Pace is cheapest to insure at $1,846 per year. And for full-size luxury models, the Infiniti QX80 is the cheapest model to insure at $2,212 per year.
The rate comparison table below ranks the twenty luxury SUVs with the most affordable average auto insurance rates in Norfolk, starting with the Acura RDX at $1,650 per year and ending with the Lexus RX 350 at $1,980 per year.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Acura RDX | Compact | $1,650 | $138 |
Lexus NX 250 | Compact | $1,748 | $146 |
Cadillac XT4 | Compact | $1,782 | $149 |
Jaguar E-Pace | Midsize | $1,846 | $154 |
Cadillac XT5 | Midsize | $1,862 | $155 |
Lexus NX 350h | Compact | $1,864 | $155 |
Lincoln Corsair | Compact | $1,886 | $157 |
Mercedes-Benz GLB 250 | Compact | $1,890 | $158 |
Lexus UX 250h | Compact | $1,892 | $158 |
Lexus NX 450h | Compact | $1,904 | $159 |
Infiniti QX50 | Midsize | $1,918 | $160 |
Mercedes-Benz GLA250 | Compact | $1,926 | $161 |
Mercedes-Benz GLA35 AMG | Compact | $1,930 | $161 |
Cadillac XT6 | Midsize | $1,932 | $161 |
Infiniti QX60 | Midsize | $1,942 | $162 |
Mercedes-Benz AMG GLB35 | Midsize | $1,944 | $162 |
Land Rover Evoque | Compact | $1,970 | $164 |
Acura MDX | Midsize | $1,972 | $164 |
Lexus NX 350 | Compact | $1,980 | $165 |
Lexus RX 350 | Midsize | $1,980 | $165 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Norfolk, VA Zip Codes. Updated June 27, 2025
See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.
Don’t see rates for your luxury SUV? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Norfolk car insurance quotes from the best auto insurance companies in Virginia.
Cheapest sports car insurance rates in Norfolk
The three top-ranked sports cars with the lowest-cost auto insurance rates in Norfolk are the Mazda MX-5 Miata at $1,828 per year, the Toyota GR86 at $2,080 per year, and the Ford Mustang at $2,168 per year.
Some other sports cars that are affordable to insure are the Lexus RC F, BMW M2, Toyota GR Supra, and Nissan Z, with an average cost of $2,358 per year or less.
Ranked in the lower half of the top 20, models like the BMW M4, Jaguar F-Type, BMW M3, Lexus LC 500, Chevrolet Camaro, and Porsche 718 average between $2,358 and $3,342 per year for auto insurance in Norfolk.
From a cost per month standpoint, auto insurance in Norfolk on this segment for an average middle-age driver starts at an average of $152 per month, depending on your company and location. The rate comparison table below ranks the sports cars with the cheapest average insurance rates in Norfolk, starting with the Mazda MX-5 Miata at $1,828 per year and ending with the Porsche Taycan at $3,342 per year.
Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
---|---|---|---|
Mazda MX-5 Miata | Sports Car | $1,828 | $152 |
Toyota GR86 | Sports Car | $2,080 | $173 |
Ford Mustang | Sports Car | $2,168 | $181 |
BMW Z4 | Sports Car | $2,178 | $182 |
Subaru WRX | Sports Car | $2,212 | $184 |
Toyota GR Supra | Sports Car | $2,216 | $185 |
BMW M2 | Sports Car | $2,280 | $190 |
Nissan Z | Sports Car | $2,286 | $191 |
Lexus RC F | Sports Car | $2,334 | $195 |
Subaru BRZ | Sports Car | $2,358 | $197 |
BMW M3 | Sports Car | $2,492 | $208 |
Porsche 718 | Sports Car | $2,540 | $212 |
Chevrolet Camaro | Sports Car | $2,564 | $214 |
Chevrolet Corvette | Sports Car | $2,732 | $228 |
Porsche 911 | Sports Car | $2,826 | $236 |
BMW M4 | Sports Car | $2,942 | $245 |
Lexus LC 500 | Sports Car | $2,960 | $247 |
Jaguar F-Type | Sports Car | $3,112 | $259 |
Mercedes-Benz AMG GT53 | Sports Car | $3,268 | $272 |
Porsche Taycan | Sports Car | $3,342 | $279 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Norfolk, VA Zip Codes. Updated June 27, 2025
Don’t see rates for your sports car? Not a problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Norfolk.
Cheapest pickup truck insurance rates in Norfolk
The four most affordable pickups to insure in Norfolk are the Chevrolet Colorado at $1,736 per year, Nissan Titan at $1,848 per year, Nissan Frontier at $1,864 per year, and Ford Ranger at $1,886 per year.
Not the cheapest in the list, but still ranking well, are trucks like the Hyundai Santa Cruz, GMC Canyon, Honda Ridgeline, and Toyota Tacoma, with average insurance cost of $2,030 per year or less.
As a cost per month, auto insurance rates in this segment for a good driver starts at an average of $145 per month, depending on where you live.
The next table ranks the pickups with the cheapest average auto insurance rates in Norfolk, starting with the Chevrolet Colorado at $1,736 per year and ending with the Ram Truck at $2,280 per year.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Chevrolet Colorado | Midsize | $1,736 | $145 |
Nissan Titan | Full-size | $1,848 | $154 |
Nissan Frontier | Midsize | $1,864 | $155 |
Ford Ranger | Midsize | $1,886 | $157 |
Ford Maverick | Midsize | $1,914 | $160 |
Honda Ridgeline | Midsize | $1,956 | $163 |
Hyundai Santa Cruz | Midsize | $1,990 | $166 |
Toyota Tacoma | Midsize | $1,998 | $167 |
GMC Sierra 2500 HD | Heavy Duty | $2,008 | $167 |
GMC Canyon | Midsize | $2,030 | $169 |
Jeep Gladiator | Midsize | $2,078 | $173 |
GMC Sierra 3500 | Heavy Duty | $2,090 | $174 |
Chevrolet Silverado HD 3500 | Heavy Duty | $2,110 | $176 |
Chevrolet Silverado HD 2500 | Heavy Duty | $2,162 | $180 |
GMC Sierra | Full-size | $2,180 | $182 |
Nissan Titan XD | Heavy Duty | $2,180 | $182 |
Chevrolet Silverado | Full-size | $2,182 | $182 |
Ford F150 | Full-size | $2,204 | $184 |
GMC Hummer EV Pickup | Full-size | $2,262 | $189 |
Ram Truck | Full-size | $2,280 | $190 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Norfolk, VA Zip Codes. Updated June 27, 2025
See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.
Don’t see rates for your pickup? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Norfolk car insurance quotes from the best auto insurance companies in Virginia.
Examples of rate variation
To supplement the earlier data and reinforce how much the cost of car insurance can deviate from one person to the next (and also stress the importance of getting multiple quotes for coverage), the charts below contain comprehensive rates for four popular vehicles in Norfolk: the Ford F150, Honda Civic, Toyota Highlander, and Toyota Camry.
Each vehicle example uses different driver and policy risk profiles to demonstrate how rates can be very different based on driver risk profile changes.
Ford F150 insurance rates
Ford F150 insurance in Norfolk costs an average of $2,204 per year, or about $184 per month, and ranges from $1,830 to $5,100 per year for the different driver risk profiles in the chart.

The Ford F150 is considered a full-size truck, and other models from that segment that are popular in Norfolk, VA, include the GMC Sierra, Ram Truck, and Nissan Titan.
Honda Civic insurance rates
Insurance for a Honda Civic in Norfolk averages $1,748 per year, or about $146 per month, and ranges from $1,452 to $3,966 for the risk profiles shown in the insurance cost chart below.

The Honda Civic is considered a compact car, and other popular models include the Chevrolet Cruze, Nissan Sentra, Volkswagen Jetta, and Toyota Corolla.
Toyota Highlander insurance rates
In Norfolk, Toyota Highlander insurance averages $1,794 per year (about $150 per month) and ranges from $1,494 to $4,102 per year.

The Toyota Highlander belongs to the midsize SUV segment, and other similar models from the same segment include the Kia Sorento, Honda Pilot, Ford Explorer, and Jeep Grand Cherokee.
Toyota Camry insurance rates
Car insurance for a Toyota Camry in Norfolk costs an average of $2,120 per year (about $177 per month) and varies from $1,762 to $4,872 per year.

The Toyota Camry is part of the midsize car segment, and other models popular in Norfolk include the Nissan Altima, Chevrolet Malibu, Honda Accord, and Kia K5.
Tips for cheaper Norfolk car insurance rates
Drivers are often looking to pay less for insurance, so glance through the money-saving ideas in the list below and maybe you’ll find a way to save some money the next time you need to insure a vehicle.
- Excellent credit scores get the best rates. Drivers with high 800+ credit scores could save around $310 per year over a credit score between 670-739. Conversely, a weaker credit score could cost around $359 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
- Don’t file small claims. Auto insurance companies give a discounted rate for not having any claims. Auto insurance should only be used for large financial hits, not small claims.
- Be a safe driver and save on Norfolk car insurance. Too frequent at-fault accidents can raise rates, as much as $952 per year for a 30-year-old driver and even $482 per year for a 60-year-old driver. So drive safe and save money!
- If your car is older, remove unneeded coverages. Deleting comprehensive and collision coverage from vehicles whose value does not support the cost of the coverage will reduce the cost of insurance significantly.
- The higher the deductibles, the lower the cost. Increasing your deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
- Shop around for better rates. Taking the time to get free car insurance quotes is our best recommendation for saving money. Rates change more often that you might think and you do not even have to wait until your policy renewal date to switch.
- Buy vehicles with more affordable insurance. The vehicle you choose to drive is one of the primary factors in the cost of auto insurance. As an example, a Subaru Forester costs $976 less per year to insure in Norfolk than a Chevrolet Corvette. Lower performance vehicles cost less to insure.