Car Insurance Cost in Norfolk, VA – Cheapest Cars to Insure in 2022

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.

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How much does car insurance cost in Norfolk?

Norfolk car insurance costs an average of $1,092 per year, which is 30.3% less than the national average rate of $1,567. The average monthly cost of car insurance in Norfolk is $91 for full coverage auto insurance.

In the state of Virginia, the average car insurance expense is $982 per year, so the average cost in Norfolk is $110 more per year. The cost to insure a vehicle in Norfolk compared to other Virginia locations is approximately $70 per year more expensive than in Virginia Beach, $80 per year more expensive than in Newport News, and $36 per year more expensive than in Richmond.

The next chart shows average car insurance cost in Norfolk for all 2022 models. Rates are averaged for all Norfolk Zip Codes and shown not only by driver age, but also by physical damage deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Norfolk car insurance rates for 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Norfolk zip codes.Data last updated on June 24, 2022
Average Car Insurance Cost in Norfolk, VA
Average Car Insurance Cost in Norfolk, VA
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$1,844$154
$500$2,172$181
$250$2,520$210
30$1,000$968$81
$500$1,152$96
$250$1,344$112
40$1,000$924$77
$500$1,092$91
$250$1,268$106
50$1,000$844$70
$500$996$83
$250$1,154$96
60$1,000$830$69
$500$978$82
$250$1,134$95

The average cost of car insurance per month in Norfolk is $91, with policy premium ranging from $69 to $210 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 – $3,922 per year or $327 per month
  • 17 year old – $3,662 per year or $305 per month
  • 18 year old – $3,420 per year or $285 per month
  • 19 year old – $3,092 per year or $258 per month
  • 20 year old – $2,172 per year or $181 per month
  • 30 year old – $1,152 per year or $96 per month
  • 40 year old – $1,092 per year or $91 per month
  • 50 year old – $996 per year or $83 per month
  • 60 year old – $978 per year or $82 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Teenage driver rates are for the 2022 model year with $500 physical damage deductibles. Average car insurance cost in Norfolk includes all Zip Codes and vehicle trim levels.Data last updated on June 24, 2022
Car Insurance Cost for Teen Drivers in Norfolk, Virginia
Average Car Insurance Cost in Norfolk, VA for Teenage Drivers
Teen Driver Gender Age 16 Age 17 Age 18 Age 19
Male$3,922$3,662$3,420$3,092
Female$3,452$3,260$2,968$2,750

Car insurance for a 16-year-old female driver in Norfolk costs an average of $470 less per year than the cost to insure a male driver, while at age 19, the cost difference is much less but is still $342 per year cheaper for females.

The rates referenced above take the cost to insure each 2022 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 – $1,092 (Norfolk average) compared to $1,567 (U.S. average)
  • Norfolk auto insurance prices are more expensive than the Virginia state average – $1,092 (Norfolk average) versus $982 (Virginia average)
  • Car insurance with low deductibles costs more – A 20-year-old driver pays an average of $900 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 $1,596 less per year than a 20-year-old driver, $1,804 compared to $3,400.
  • Car insurance costs less as you age – Average car insurance rates for a 50-year-old driver in Norfolk are $1,840 per year cheaper than for a 20-year-old driver.
  • Cost per month ranges from $128 to $512 – 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 Nissan Kicks, Mazda CX-5, Toyota C-HR, and Subaru Crosstrek. Average auto insurance rates for those compact SUVs cost $1,080 or less per year ($90 per month) for full coverage car insurance.

Some additional vehicles that come in near the top in the cost comparison table below are the Mazda MX-5 Miata, Subaru Forester, Volkswagen Tiguan, and Buick Envision. 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 $1,124 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 Cost Monthly Cost
1Mazda CX-5$832$69
2Nissan Kicks$854$71
3Chevrolet Trailblazer$860$72
4Subaru Crosstrek$880$73
5Honda Passport$882$74
6Toyota C-HR$900$75
7Chevrolet Colorado$904$75
8Buick Encore$906$76
9Nissan Rogue Sport$912$76
10Hyundai Venue$930$78
11Buick Envision$932$78
12Kia Seltos$932$78
13Acura RDX$938$78
14Ford Maverick$938$78
15Subaru Ascent$940$78
16Toyota Corolla Cross$940$78
17Hyundai Kona$946$79
18Mazda MX-5 Miata$948$79
19Subaru Forester$948$79
20Subaru Impreza$950$79
21Volkswagen Tiguan$950$79
22Chevrolet Spark$956$80
23Honda CR-V$958$80
24Cadillac XT4$962$80
25Mazda CX-30$968$81
26Ford Ranger$974$81
27Honda HR-V$984$82
28Ford Edge$986$82
29Ford Ecosport$994$83
30Chevrolet Trax$1,004$84
31Subaru Outback$1,004$84
32Acura ILX$1,008$84
33GMC Terrain$1,008$84
34Mitsubishi Eclipse Cross$1,010$84
35Nissan Murano$1,016$85
36Hyundai Tucson$1,018$85
37Toyota Tacoma$1,018$85
38Chevrolet Bolt$1,022$85
39Honda Odyssey$1,022$85
40Chevrolet Equinox$1,024$85

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Norfolk, VA.Data last updated on June 24, 2022
    Cheapest Auto Insurance Rates in Norfolk

    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 Subaru Impreza at $950 per year, the Chevrolet Spark at $956 per year, and the Volkswagen Golf at $1,054 per year.

    Not the cheapest to insure, but still ranked well, are cars like the Honda Insight, Kia K5, Toyota Corolla, and Toyota Camry, with average annual insurance rates of $1,078 per year or less.

    Full-coverage auto insurance in this segment for a middle-age safe driver starts at around $79 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/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$950$79
    Chevrolet SparkCompact$956$80
    Volkswagen GolfCompact$1,054$88
    Subaru LegacyMidsize$1,060$88
    Volkswagen JettaCompact$1,064$89
    Honda InsightMidsize$1,066$89
    Nissan SentraCompact$1,068$89
    Kia K5Midsize$1,076$90
    Toyota CorollaCompact$1,076$90
    Toyota CamryMidsize$1,078$90
    Kia RioCompact$1,080$90
    Volkswagen PassatMidsize$1,080$90
    Honda CivicCompact$1,086$91
    Mazda 3Compact$1,088$91
    Mazda 6Midsize$1,090$91
    Toyota PriusCompact$1,094$91
    Hyundai AccentCompact$1,108$92
    Hyundai VelosterCompact$1,120$93
    Kia ForteCompact$1,120$93
    Chevrolet MalibuMidsize$1,138$95

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Norfolk, VA.Data last updated on June 24, 2022
      Cheapest Cars to Insure in Norfolk, Virginia

      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 Mazda CX-5 takes the top ranking for the cheapest non-luxury SUV to insure in Norfolk, followed closely by the Nissan Kicks, Chevrolet Trailblazer, Honda Passport, and Subaru Crosstrek. The 2022 model costs an average of $832 per year for full-coverage auto insurance.

      Also ranking in the top 10 are SUVs like the Nissan Rogue Sport, Hyundai Venue, Buick Envision, and Buick Encore, with average annual insurance rates of $932 per year or less.

      Auto insurance rates for this segment in Norfolk for a good driver starts at an average of $69 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 Mazda CX-5 at $832 per year. For midsize models, the Honda Passport is cheapest to insure at $882 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe is cheapest to insure at $1,098 per year.

      The comparison table below ranks the twenty SUVs with the lowest-cost insurance rates in Norfolk, starting with the Mazda CX-5 at $69 per month and ending with the Ford Edge at $82 per month.

      Cheapest SUVs to Insure in Norfolk, Virginia
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-5Compact$832$69
      Nissan KicksCompact$854$71
      Chevrolet TrailblazerCompact$860$72
      Subaru CrosstrekCompact$880$73
      Honda PassportMidsize$882$74
      Toyota C-HRCompact$900$75
      Buick EncoreCompact$906$76
      Nissan Rogue SportCompact$912$76
      Hyundai VenueCompact$930$78
      Buick EnvisionCompact$932$78
      Kia SeltosCompact$932$78
      Subaru AscentMidsize$940$78
      Toyota Corolla CrossCompact$940$78
      Hyundai KonaCompact$946$79
      Subaru ForesterCompact$948$79
      Volkswagen TiguanCompact$950$79
      Honda CR-VCompact$958$80
      Mazda CX-30Compact$968$81
      Honda HR-VCompact$984$82
      Ford EdgeMidsize$986$82

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Norfolk, VA.Data last updated on June 24, 2022
        Cheapest SUVs to Insure in Norfolk, Virginia

        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 ILX, at an average of $1,008 per year. Second place is the Mercedes-Benz A220 costing $1,076 per year, third place goes to the BMW 330i, costing an average of $1,158 per year, and in fourth place is the Acura TLX, at an average of $1,166 per year.

        Additional models that have affordable average insurance rates are the Alfa Romeo Giulia, BMW 228i, BMW 330e, and Lexus RC 300, with average cost of $1,216 per year or less.

        Ranked in the bottom half of the top 20 cheapest luxury cars to insure, models like the Cadillac CT4, Cadillac CT5, Genesis G70, Audi A3, BMW i4, and Mercedes-Benz AMG CLA35 average between $1,216 and $1,272 per year for insurance in Norfolk.

        Full-coverage insurance in Norfolk for this segment starts at an average of $84 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 Mercedes-Benz A220 at $1,076 per year. For midsize 2022 models, the Acura ILX has the best rates at $1,008 per year. And for large luxury cars, the Audi A5 has the most affordable rates at $1,284 per year.

        The table below ranks the twenty cars with the lowest-cost average car insurance rates in Norfolk, starting with the Acura ILX at $84 per month and ending with the Audi S3 at $106 per month.

        Cheapest Luxury Cars to Insure in Norfolk, Virginia
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Acura ILXMidsize$1,008$84
        Mercedes-Benz A220Compact$1,076$90
        BMW 330iCompact$1,158$97
        Acura TLXCompact$1,166$97
        Volvo S60Compact$1,174$98
        BMW 330eCompact$1,178$98
        BMW 228iCompact$1,184$99
        BMW 230iCompact$1,194$100
        Lexus RC 300Midsize$1,214$101
        Alfa Romeo GiuliaCompact$1,216$101
        Cadillac CT4Compact$1,218$102
        Lexus RC 350Compact$1,218$102
        Genesis G70Compact$1,236$103
        Mercedes-Benz AMG CLA35Midsize$1,242$104
        BMW i4Midsize$1,248$104
        Cadillac CT5Midsize$1,254$105
        Audi A3Midsize$1,268$106
        Audi A4Compact$1,268$106
        Audi S3Compact$1,272$106
        Mercedes-Benz AMG CLA45Midsize$1,272$106

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Norfolk, VA.Data last updated on June 24, 2022
          Cheapest Luxury Cars to Insure in Norfolk, Virginia

          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 $938 per year, the Cadillac XT4 at $962 per year, and the Volvo XC40 at $1,054 per year.

          Other models that have affordable insurance rates are the Lexus UX 250h, Lexus UX 200, Lexus NX 350, and BMW X1, with an average cost to insure of $1,120 per year or less.

          In the bottom half of the top 20, SUVs like the Jaguar E-Pace, Lexus NX 450h, Lincoln Corsair, Lexus RX 450h, Mercedes-Benz GLB 250, and Lexus RX 350 average between $1,120 and $1,160 to insure per year.

          Full-coverage car insurance in this segment for a good driver can cost as low as $78 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 $938 per year. For midsize luxury SUVs, the Cadillac XT5 is cheapest to insure at $1,076 per year. And for full-size luxury models, the Volvo XC90 is the cheapest model to insure at $1,186 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 $938 per year and ending with the Lincoln Corsair at $1,160 per year.

          Cheapest Luxury SUVs to Insure in Norfolk, Virginia
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Acura RDXCompact$938$78
          Cadillac XT4Compact$962$80
          Volvo XC40Compact$1,054$88
          Cadillac XT5Midsize$1,076$90
          Lexus NX 250Compact$1,088$91
          BMW X1Compact$1,090$91
          Lexus NX 350hCompact$1,096$91
          Lexus UX 250hCompact$1,098$92
          Lexus NX 350Compact$1,114$93
          Jaguar E-PaceMidsize$1,120$93
          Lexus UX 200Compact$1,120$93
          Lexus RX 350Midsize$1,126$94
          Acura MDXMidsize$1,134$95
          Lincoln NautilusMidsize$1,144$95
          Lexus NX 450hCompact$1,148$96
          Mercedes-Benz GLB 250Compact$1,152$96
          Lexus RX 450hMidsize$1,156$96
          Infiniti QX50Midsize$1,158$97
          Land Rover EvoqueCompact$1,158$97
          Lincoln CorsairCompact$1,160$97

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Norfolk, VA.Data last updated on June 24, 2022
            Cheapest Luxury SUVs to Insure in Norfolk, Virginia

            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 $948 per year, the Ford Mustang at $1,156 per year, and the BMW Z4 at $1,178 per year.

            Some other sports cars that are affordable to insure are the Chevrolet Corvette, Audi TT, Toyota GR Supra, and Subaru BRZ, with an average cost of $1,418 per year or less.

            Ranked in the lower half of the top 20, models like the Jaguar F-Type, Porsche 911, Porsche 718, Porsche Taycan, Lexus RC F, and Chevrolet Camaro average between $1,418 and $1,804 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 $79 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 $948 per year and ending with the Lexus LC 500 at $1,804 per year.

            Cheapest Sports Cars to Insure in Norfolk, Virginia
            Make/Model Vehicle Type Annual Cost Monthly Cost
            Mazda MX-5 MiataSports Car$948$79
            Ford MustangSports Car$1,156$96
            BMW Z4Sports Car$1,178$98
            Subaru WRXSports Car$1,244$104
            Toyota GR86Sports Car$1,278$107
            Toyota GR SupraSports Car$1,306$109
            Audi TTSports Car$1,334$111
            Subaru BRZSports Car$1,372$114
            Chevrolet CorvetteSports Car$1,380$115
            BMW M3Sports Car$1,418$118
            Porsche 718Sports Car$1,482$124
            Chevrolet CamaroSports Car$1,518$127
            Lexus RC FSports Car$1,556$130
            Dodge ChallengerSports Car$1,558$130
            Mercedes-Benz AMG GT53Sports Car$1,582$132
            Jaguar F-TypeSports Car$1,656$138
            Porsche TaycanSports Car$1,698$142
            Porsche 911Sports Car$1,742$145
            BMW M4Sports Car$1,746$146
            Lexus LC 500Sports Car$1,804$150

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Norfolk, VA.Data last updated on June 24, 2022
              Cheapest Sports Cars to Insure in Norfolk, Virginia

              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 $904 per year, Ford Maverick at $938 per year, Ford Ranger at $974 per year, and Toyota Tacoma at $1,018 per year.

              Not the cheapest in the list, but still ranking well, are trucks like the GMC Canyon, Jeep Gladiator, Hyundai Santa Cruz, and Ford F150, with average insurance cost of $1,078 per year or less.

              As a cost per month, auto insurance rates in this segment for a good driver starts at an average of $75 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 $904 per year and ending with the GMC Sierra 3500 at $1,288 per year.

              Cheapest Pickups to Insure in Norfolk, Virginia
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Chevrolet ColoradoMidsize$904$75
              Ford MaverickMidsize$938$78
              Ford RangerMidsize$974$81
              Toyota TacomaMidsize$1,018$85
              Nissan FrontierMidsize$1,042$87
              Hyundai Santa CruzMidsize$1,054$88
              GMC CanyonMidsize$1,056$88
              Ford F150Full-size$1,058$88
              Honda RidgelineMidsize$1,066$89
              Jeep GladiatorMidsize$1,078$90
              GMC SierraFull-size$1,116$93
              Nissan TitanFull-size$1,156$96
              Chevrolet SilveradoFull-size$1,178$98
              Toyota TundraFull-size$1,180$98
              Ford F350 Super DutyHeavy Duty$1,188$99
              Chevrolet Silverado HD 3500Heavy Duty$1,198$100
              Nissan Titan XDHeavy Duty$1,228$102
              Ram TruckFull-size$1,250$104
              GMC Sierra 2500 HDHeavy Duty$1,280$107
              GMC Sierra 3500Heavy Duty$1,288$107

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Norfolk, VA.Data last updated on June 24, 2022
                Cheapest Pickups to Insure in Norfolk, Virginia

                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 $1,058 per year, or about $88 per month, and ranges from $880 to $2,394 per year for the different driver risk profiles in the chart.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on June 24, 2022
                Ford F150 Insurance Cost in Norfolk, VA
                Ford F150 Insurance Cost in Norfolk, VA
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$2,394$200
                Safe Driver Age 20$2,096$175
                At-fault Accidents Age 40$1,494$125
                Low Deductibles Age 40$1,368$114
                Safe Driver Age 30$1,112$93
                Safe Driver Age 40$1,058$88
                Safe Driver Age 50$964$80
                Safe Driver Age 60$946$79
                High Deductibles Age 40$900$75
                Discount Rate Age 40$880$73

                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 $1,086 per year, or about $91 per month, and ranges from $900 to $2,444 for the risk profiles shown in the insurance cost chart below.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on June 24, 2022
                Honda Civic Insurance Cost in Norfolk, VA
                Honda Civic Insurance Cost in Norfolk, VA
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$2,444$204
                Safe Driver Age 20$2,142$179
                At-fault Accidents Age 40$1,530$128
                Low Deductibles Age 40$1,396$116
                Safe Driver Age 30$1,138$95
                Safe Driver Age 40$1,086$91
                Safe Driver Age 50$986$82
                Safe Driver Age 60$968$81
                High Deductibles Age 40$924$77
                Discount Rate Age 40$900$75

                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 $1,100 per year (about $92 per month) and ranges from $914 to $2,516 per year.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on June 24, 2022
                Toyota Highlander Insurance Cost in Norfolk, Virginia
                Toyota Highlander Insurance Cost in Norfolk, VA
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$2,516$210
                Safe Driver Age 20$2,204$184
                At-fault Accidents Age 40$1,554$130
                Low Deductibles Age 40$1,458$122
                Safe Driver Age 30$1,166$97
                Safe Driver Age 40$1,100$92
                Safe Driver Age 50$1,006$84
                Safe Driver Age 60$988$82
                High Deductibles Age 40$920$77
                Discount Rate Age 40$914$76

                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 $1,078 per year (about $90 per month) and varies from $894 to $2,436 per year.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on June 24, 2022
                Toyota Camry Insurance Cost in Norfolk, VA
                Toyota Camry Insurance Cost in Norfolk, VA
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$2,436$203
                Safe Driver Age 20$2,136$178
                At-fault Accidents Age 40$1,514$126
                Low Deductibles Age 40$1,410$118
                Safe Driver Age 30$1,138$95
                Safe Driver Age 40$1,078$90
                Safe Driver Age 50$982$82
                Safe Driver Age 60$964$80
                High Deductibles Age 40$908$76
                Discount Rate Age 40$894$75

                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 $171 per year over a credit score between 670-739. Conversely, a weaker credit score could cost around $199 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 $510 per year for a 30-year-old driver and even $336 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 $236 per year for a 40-year-old driver and $456 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 $432 less per year to insure in Norfolk than a Chevrolet Corvette. Lower performance vehicles cost less to insure.