Car Insurance Cost in Norfolk, VA – Cheapest Cars to Insure in 2025

What does average car insurance cost in Norfolk? We compare insurance rates to find the cars, trucks, and SUVs with cheap car insurance quotes in Norfolk, Virginia.

Start a Free QuoteCompare Norfolk car insurance quotes and save on your next policy.

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.

Average full-coverage car insurance premium in Norfolk, VA for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Norfolk, VA for different ages of drivers. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Norfolk, VA Zip Codes.

Average Car Insurance Cost in Norfolk, VA
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$3,358$280
$500$3,968$331
$250$4,614$385
30$1,000$1,764$147
$500$2,104$175
$250$2,458$205
40$1,000$1,662$139
$500$1,974$165
$250$2,300$192
50$1,000$1,478$123
$500$1,750$146
$250$2,032$169
60$1,000$1,386$116
$500$1,640$137
$250$1,902$159

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 Norfolk, VA Zip Codes. Updated June 27, 2025

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.

Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage.
Figure 2: Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Teenage driver rates are for the 2024 model year with $500 comprehensive and collision deductibles. Average car insurance cost in Norfolk includes all Zip Codes and vehicle trim levels. Rates assume a clean driving record and no claims or at-fault accidents.

Average Car Insurance Cost in Norfolk, VA for Teenage Drivers
Driver Age Male Driver Female Driver
16-Year-Old$7,027$6,563
17-Year-Old$6,807$6,521
18-Year-Old$6,100$5,631
19-Year-Old$5,557$4,697

Data Methodology: Rated teen drivers have no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium amounts are averaged for all trim levels available on the 2024 Average Car. Updated June 27, 2025

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.

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

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.

Cheapest Auto Insurance Rates in Norfolk
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,416$118
2Chevrolet Trailblazer$1,446$121
3Kia Soul$1,500$125
4Nissan Kicks$1,512$126
5Honda Passport$1,524$127
6Buick Envision$1,534$128
7Toyota Corolla Cross$1,548$129
8Hyundai Venue$1,562$130
9Mazda CX-5$1,562$130
10Ford Bronco Sport$1,572$131
11Volkswagen Tiguan$1,586$132
12Acura RDX$1,602$134
13Nissan Murano$1,614$135
14Buick Encore$1,630$136
15Subaru Outback$1,632$136
16Honda CR-V$1,636$136
17Buick Envista$1,642$137
18Volkswagen Taos$1,644$137
19Kia Niro$1,652$138
20Subaru Ascent$1,664$139
21Toyota GR Corolla$1,664$139
22Honda HR-V$1,668$139
23Nissan Leaf$1,680$140
24Chevrolet Colorado$1,688$141
25Lexus NX 250$1,696$141
26Honda Civic$1,698$142
27Volkswagen Atlas$1,700$142
28Acura Integra$1,706$142
29Subaru Forester$1,706$142
30Volkswagen Atlas Cross Sport$1,706$142
31Kia Seltos$1,712$143
32GMC Terrain$1,716$143
33Nissan Rogue$1,724$144
34Hyundai Kona$1,726$144
35Mazda CX-30$1,730$144
36Cadillac XT4$1,732$144
37Volkswagen ID4$1,740$145
38Ford Explorer$1,742$145
39Toyota Highlander$1,744$145
40Toyota 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

Top 40 cheapest vehicles to insure in Norfolk, VA with the Subaru Crosstrek ranking first at $1,416 per year
Top 40 cheapest vehicles to insure in Norfolk, VA with the Subaru Crosstrek ranking first at $1,416 per year

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.

Cheapest Cars to Insure in Norfolk, Virginia
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$1,714$143
Nissan LeafCompact$1,728$144
Honda CivicCompact$1,748$146
Nissan SentraCompact$1,808$151
Subaru ImprezaCompact$1,812$151
Toyota PriusCompact$1,844$154
Kia K5Midsize$1,902$159
Honda AccordMidsize$1,908$159
Chevrolet MalibuMidsize$1,912$159
Toyota CorollaCompact$1,922$160
Kia ForteCompact$1,926$161
Volkswagen ArteonMidsize$1,940$162
Nissan VersaCompact$1,944$162
Subaru LegacyMidsize$1,948$162
Hyundai Ioniq 6Midsize$1,964$164
Mitsubishi Mirage G4Compact$1,990$166
Volkswagen JettaCompact$1,996$166
Toyota CrownMidsize$1,998$167
Hyundai SonataMidsize$2,000$167
Mazda 3Compact$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

Ranking of the cheapest compact, midsize, and large cars to insure in Norfolk, VA, with the Toyota GR Corolla ranking first at $1,714 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Norfolk, VA, with the Toyota GR Corolla ranking first at $1,714 per year.

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.

Cheapest SUVs to Insure in Norfolk, Virginia
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,458$122
Chevrolet TrailblazerCompact$1,484$124
Kia SoulCompact$1,540$128
Nissan KicksCompact$1,552$129
Honda PassportMidsize$1,574$131
Buick EnvisionCompact$1,582$132
Toyota Corolla CrossCompact$1,592$133
Hyundai VenueCompact$1,602$134
Mazda CX-5Compact$1,610$134
Ford Bronco SportCompact$1,616$135
Volkswagen TiguanCompact$1,632$136
Nissan MuranoMidsize$1,658$138
Buick EncoreCompact$1,678$140
Subaru OutbackMidsize$1,680$140
Honda CR-VCompact$1,684$140
Buick EnvistaMidsize$1,688$141
Volkswagen TaosCompact$1,690$141
Kia NiroCompact$1,700$142
Honda HR-VCompact$1,716$143
Subaru AscentMidsize$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

Ranking of the cheapest compact, midsize, and large SUVs to insure in Norfolk, VA, with the Subaru Crosstrek ranking first at $1,458 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Norfolk, VA, with the Subaru Crosstrek ranking first at $1,458 per year.

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.

Cheapest Luxury Cars to Insure in Norfolk, Virginia
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$1,756$146
BMW 330iCompact$2,010$168
Mercedes-Benz CLA250Midsize$2,030$169
Lexus IS 300Midsize$2,034$170
Acura TLXCompact$2,042$170
Lexus ES 350Midsize$2,060$172
Cadillac CT4Compact$2,062$172
Genesis G70Compact$2,066$172
Mercedes-Benz AMG CLA35Midsize$2,070$173
Lexus RC 300Midsize$2,074$173
Lexus IS 350Compact$2,084$174
Jaguar XFMidsize$2,088$174
Cadillac CT5Midsize$2,126$177
Lexus ES 250Midsize$2,136$178
Lexus RC 350Compact$2,140$178
BMW 330eCompact$2,142$179
BMW 228iCompact$2,146$179
BMW 230iCompact$2,162$180
Lexus ES 300hMidsize$2,166$181
Audi S3Compact$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

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Norfolk, VA, with the Acura Integra ranking first at $1,756 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Norfolk, VA, with the Acura Integra ranking first at $1,756 per year.

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.

Cheapest Luxury SUVs to Insure in Norfolk, Virginia
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,650$138
Lexus NX 250Compact$1,748$146
Cadillac XT4Compact$1,782$149
Jaguar E-PaceMidsize$1,846$154
Cadillac XT5Midsize$1,862$155
Lexus NX 350hCompact$1,864$155
Lincoln CorsairCompact$1,886$157
Mercedes-Benz GLB 250Compact$1,890$158
Lexus UX 250hCompact$1,892$158
Lexus NX 450hCompact$1,904$159
Infiniti QX50Midsize$1,918$160
Mercedes-Benz GLA250Compact$1,926$161
Mercedes-Benz GLA35 AMGCompact$1,930$161
Cadillac XT6Midsize$1,932$161
Infiniti QX60Midsize$1,942$162
Mercedes-Benz AMG GLB35Midsize$1,944$162
Land Rover EvoqueCompact$1,970$164
Acura MDXMidsize$1,972$164
Lexus NX 350Compact$1,980$165
Lexus RX 350Midsize$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

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Norfolk, VA, with the Acura RDX ranking first at $1,650 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Norfolk, VA, with the Acura RDX ranking first at $1,650 per year.

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.

Cheapest Sports Cars to Insure in Norfolk, Virginia
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$1,828$152
Toyota GR86Sports Car$2,080$173
Ford MustangSports Car$2,168$181
BMW Z4Sports Car$2,178$182
Subaru WRXSports Car$2,212$184
Toyota GR SupraSports Car$2,216$185
BMW M2Sports Car$2,280$190
Nissan ZSports Car$2,286$191
Lexus RC FSports Car$2,334$195
Subaru BRZSports Car$2,358$197
BMW M3Sports Car$2,492$208
Porsche 718Sports Car$2,540$212
Chevrolet CamaroSports Car$2,564$214
Chevrolet CorvetteSports Car$2,732$228
Porsche 911Sports Car$2,826$236
BMW M4Sports Car$2,942$245
Lexus LC 500Sports Car$2,960$247
Jaguar F-TypeSports Car$3,112$259
Mercedes-Benz AMG GT53Sports Car$3,268$272
Porsche TaycanSports 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

Ranking of the cheapest sports cars to insure in Norfolk, VA, with the Mazda MX-5 Miata ranking first at $1,828 per year.
Ranking of the cheapest sports cars to insure in Norfolk, VA, with the Mazda MX-5 Miata ranking first at $1,828 per year.

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.

Cheapest Pickups to Insure in Norfolk, Virginia
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$1,736$145
Nissan TitanFull-size$1,848$154
Nissan FrontierMidsize$1,864$155
Ford RangerMidsize$1,886$157
Ford MaverickMidsize$1,914$160
Honda RidgelineMidsize$1,956$163
Hyundai Santa CruzMidsize$1,990$166
Toyota TacomaMidsize$1,998$167
GMC Sierra 2500 HDHeavy Duty$2,008$167
GMC CanyonMidsize$2,030$169
Jeep GladiatorMidsize$2,078$173
GMC Sierra 3500Heavy Duty$2,090$174
Chevrolet Silverado HD 3500Heavy Duty$2,110$176
Chevrolet Silverado HD 2500Heavy Duty$2,162$180
GMC SierraFull-size$2,180$182
Nissan Titan XDHeavy Duty$2,180$182
Chevrolet SilveradoFull-size$2,182$182
Ford F150Full-size$2,204$184
GMC Hummer EV PickupFull-size$2,262$189
Ram TruckFull-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

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Norfolk, VA, with the Chevrolet Colorado ranking first at $1,736 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Norfolk, VA, with the Chevrolet Colorado ranking first at $1,736 per year.

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.

Average 2024 Ford F150 insurance premiums in Norfolk for different driver ages and risk scenarios.
Figure 3: Average 2024 Ford F150 insurance premiums in Norfolk for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Ford F150 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford F150 car insurance cost in Norfolk includes all Zip Codes and vehicle trim levels.

2024 Ford F150 Insurance Cost in Norfolk, VA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,100$425
Safe Driver Age 20$4,464$372
At-fault Accidents Age 40$3,132$261
Low Deductibles Age 40$2,890$241
Safe Driver Age 30$2,356$196
Safe Driver Age 40$2,204$184
Safe Driver Age 50$1,956$163
High Deductibles Age 40$1,854$155
Safe Driver Age 60$1,830$153
Discount Rate Age 40$1,830$153

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ford F150 trim levels. Updated June 26, 2025

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.

Average 2024 Honda Civic insurance premiums in Norfolk for different driver ages and risk scenarios.
Figure 4: Average 2024 Honda Civic insurance premiums in Norfolk for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Honda Civic with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Civic car insurance cost in Norfolk includes all Zip Codes and vehicle trim levels.

2024 Honda Civic Insurance Cost in Norfolk, VA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$3,966$331
Safe Driver Age 20$3,464$289
At-fault Accidents Age 40$2,448$204
Low Deductibles Age 40$2,290$191
Safe Driver Age 30$1,866$156
Safe Driver Age 40$1,748$146
Safe Driver Age 50$1,548$129
High Deductibles Age 40$1,464$122
Discount Rate Age 40$1,452$121
Safe Driver Age 60$1,448$121

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Civic trim levels. Updated June 27, 2025

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.

Average 2024 Toyota Highlander insurance premiums in Norfolk for different driver ages and risk scenarios.
Figure 5: Average 2024 Toyota Highlander insurance premiums in Norfolk for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Highlander with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Highlander car insurance cost in Norfolk includes all Zip Codes and vehicle trim levels.

2024 Toyota Highlander Insurance Cost in Norfolk, VA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,102$342
Safe Driver Age 20$3,596$300
At-fault Accidents Age 40$2,516$210
Low Deductibles Age 40$2,386$199
Safe Driver Age 30$1,920$160
Safe Driver Age 40$1,794$150
Safe Driver Age 50$1,586$132
Discount Rate Age 40$1,494$125
High Deductibles Age 40$1,490$124
Safe Driver Age 60$1,484$124

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Highlander trim levels. Updated June 26, 2025

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.

Average 2024 Toyota Camry insurance premiums in Norfolk for different driver ages and risk scenarios.
Figure 6: Average 2024 Toyota Camry insurance premiums in Norfolk for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Camry with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Camry car insurance cost in Norfolk includes all Zip Codes and vehicle trim levels.

2024 Toyota Camry Insurance Cost in Norfolk, VA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,872$406
Safe Driver Age 20$4,270$356
At-fault Accidents Age 40$2,990$249
Low Deductibles Age 40$2,816$235
Safe Driver Age 30$2,266$189
Safe Driver Age 40$2,120$177
Safe Driver Age 50$1,874$156
High Deductibles Age 40$1,764$147
Discount Rate Age 40$1,762$147
Safe Driver Age 60$1,754$146

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Camry trim levels. Updated June 27, 2025

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.