Car Insurance Cost in Norfolk, VA – Cheapest Cars to Insure in 2024

• Norfolk car insurance rates cost an average of $1,406 per year, or approximately $117 per month.
• Car insurance rates for a few popular vehicles in Norfolk include the Ford F150 at $131 per month, Chevrolet Equinox at $108, and Nissan Sentra at $107.
• 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 $1,406 per year, which is 29% less than the national average rate of $1,883. The average monthly cost of car insurance in Norfolk is $117 for full coverage auto insurance.

In the state of Virginia, the average car insurance expense is $1,322 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, $88 per year more expensive than in Newport News, and $38 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 $117, with policy premium ranging from $82 to $274 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 – $5,009 per year or $417 per month
• 17 year old – $4,853 per year or $404 per month
• 18 year old – $4,349 per year or $362 per month
• 19 year old – $3,960 per year or $330 per month
• 20 year old – $2,828 per year or $236 per month
• 30 year old – $1,500 per year or $125 per month
• 40 year old – $1,406 per year or $117 per month
• 50 year old – $1,248 per year or $104 per month
• 60 year old – $1,168 per year or $97 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 $331 less per year than the cost to insure a male driver, while at age 19, the cost difference is much less but is still $612 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 – $1,689 per year or $141 per month
• Chevrolet Equinox – $1,389 per year or $116 per month
• Nissan Sentra – $1,379 per year or $115 per month
• Chevrolet Silverado – $1,668 per year or $139 per month
• Honda Civic – $1,337 per year or $111 per month
• Jeep Cherokee – $1,624 per year or $135 per month
• Toyota Corolla – $1,466 per year or $122 per month
• Subaru Outback – $1,286 per year or $107 per month
• Honda Accord – $1,460 per year or $122 per month
• GMC Sierra – $1,666 per year or $139 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 – $1,406 (Norfolk average) compared to $1,883 (U.S. average)
• Norfolk auto insurance prices are more expensive than the Virginia state average – $1,406 (Norfolk average) versus $1,322 (Virginia average)
• Car insurance with low deductibles costs more – A 20-year-old driver pays an average of $754 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 $1,328 less per year than a 20-year-old driver, $1,500 compared to $2,828.
• Car insurance costs less as you age – Average car insurance rates for a 50-year-old driver in Norfolk are $1,580 per year cheaper than for a 20-year-old driver.
• Cost per month ranges from $97 to $417 – 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 $1,224 or less per year ($102 per month) for full coverage car insurance.

Some additional vehicles that come in near the top in the cost comparison table below are the Volkswagen Taos, Chevrolet Colorado, Kia Niro, 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 $1,296 or less per year in Norfolk.

The next table breaks down the top 40 cheapest vehicles to insure in Norfolk, ordered by annual cost.

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 $1,222 per year, the Nissan Leaf at $1,232 per year, and the Honda Civic at $1,246 per year.

Not the cheapest to insure, but still ranked well, are cars like the Hyundai Ioniq 6, Kia K5, Honda Accord, and Chevrolet Malibu, with average annual insurance rates of $1,364 per year or less.

Full-coverage auto insurance in this segment for a middle-age safe driver starts at around $102 per month, depending on where you live. The next table ranks the cars with the most affordable car insurance in Norfolk.

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 $1,040 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 $1,154 per year or less.

Auto insurance rates for this segment in Norfolk for a good driver starts at an average of $87 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 $1,040 per year. For midsize models, the Honda Passport is cheapest to insure at $1,120 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe is cheapest to insure at $1,322 per year.

The comparison table below ranks the twenty SUVs with the lowest-cost insurance rates in Norfolk, starting with the Subaru Crosstrek at $87 per month and ending with the Honda HR-V at $102 per month.

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 $1,252 per year. Second place is the BMW 330i costing $1,432 per year, third place goes to the Mercedes-Benz CLA250, costing an average of $1,448 per year, and in fourth place is the Lexus IS 300, at an average of $1,450 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 $1,480 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 $1,480 and $1,578 per year for insurance in Norfolk.

Full-coverage insurance in Norfolk for this segment starts at an average of $104 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 $1,252 per year. For midsize 2024 models, the Mercedes-Benz CLA250 has the best rates at $1,448 per year. And for large luxury cars, the Audi A5 has the most affordable rates at $1,666 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 $104 per month and ending with the Audi S3 at $132 per month.

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 $1,176 per year, the Lexus NX 250 at $1,246 per year, and the Cadillac XT4 at $1,270 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 $1,354 per year or less.

In the bottom half of the top 20, SUVs like the Infiniti QX50, Infiniti QX60, Lexus NX 350, Acura MDX, Mercedes-Benz AMG GLB35, and Mercedes-Benz GLA250 average between $1,354 and $1,412 to insure per year.

Full-coverage car insurance in this segment for a good driver can cost as low as $98 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 $1,176 per year. For midsize luxury SUVs, the Jaguar E-Pace is cheapest to insure at $1,314 per year. And for full-size luxury models, the Infiniti QX80 is the cheapest model to insure at $1,578 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 $1,176 per year and ending with the Lexus NX 350 at $1,412 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 $1,304 per year, the Toyota GR86 at $1,484 per year, and the Ford Mustang at $1,544 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 $1,682 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 $1,682 and $2,380 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 $109 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 $1,304 per year and ending with the Porsche Taycan at $2,380 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 $1,206 per year, Nissan Titan at $1,316 per year, Nissan Frontier at $1,330 per year, and Ford Ranger at $1,342 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 $1,446 per year or less.

As a cost per month, auto insurance rates in this segment for a good driver starts at an average of $101 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 $1,206 per year and ending with the Ram Truck at $1,628 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 $1,574 per year, or about $131 per month, and ranges from $1,304 to $3,634 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 $1,246 per year, or about $104 per month, and ranges from $1,038 to $2,826 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 $1,280 per year (about $107 per month) and ranges from $1,066 to $2,924 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 $1,510 per year (about $126 per month) and varies from $1,256 to $3,474 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 $221 per year over a credit score between 670-739. Conversely, a weaker credit score could cost around $256 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 $680 per year for a 30-year-old driver and even $342 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 $300 per year for a 40-year-old driver and $588 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 $694 less per year to insure in Norfolk than a Chevrolet Corvette. Lower performance vehicles cost less to insure.