Cheap Car Insurance in Norfolk, VA
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UPDATED: Jul 19, 2021
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The city of Norfolk basically revolves around water. It was originally settled due to its deep-water port access, and continues to be one of the most active port cities on the globe. The city is home to one of the world’s largest naval bases and also the headquarters of NATO.
- Fun Fact: Single ladies, listen up! Because Norfolk is #24 on the list of “Top 100 cities with the largest percentage of males (pop. 50,000+)”. Intrigued by discovering more about Norfolk? Click here!
Auto Insurance Coverage Requirements in Virginia
Driving legally in Norfolk requires:
|Bodily Injury Liability||25,000/50,000||100,000/300,000|
|Property Damage Liability||20,000||50,000|
|Uninsured Motorist Bodily Injury||25,000/50,000||100,000/300,000|
|Medical Payments||Not required||5,000|
|Collision||Not required||250 deductible|
|Comprehensive||Not required||0 deductible|
Sure, the minimum coverage requirements in Virginia are higher than they are for most other states, but other than that, the state doesn’t necessarily put an undue burden on its motorists. However, keep in mind that the minimum coverages won’t pay out on claims of theft, vandalism, or weather damage, among other scenarios.
Here’s another fact you might not know about Virginia Auto Insurance: your average Virginia resident is riding around with a $96/month insurance bill. But your premiums don’t have to be so expensive. In Norfolk, there are some good deals right now for as little as $33/mo* or lower! But you have to act now before they’re gone.
As you can see, Erie and Allstate are offering some of the lowest rates in town right now. But before you get enticed into switching based on a low rate alone, take a minute to look into the company. After all, they might not offer the same level of customer service or other amenities (such as online payments and account management) that you’re used to.
Those who supply auto insurance plans consider various factors while figuring out quotes, especially your gender, any accident claims you may have made in the past, your credit score, the number of years you’ve been driving, and theft protection devices. Additionally, premiums will alter between different companies. To confirm that you’re not paying too high of a rate, evaluate cheap Norfolk auto insurance quotes via the internet.
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Major Car Insurance Factors in Norfolk
You may feel a little bit helpless when your car insurance provider is estimating your quote; after all, most of the factors they calculate aren’t things you can easily change or control. Fortunately, however, there are a few things which you might be able to alter for increased discounts, such as:
Your Zip Code
The place you park your truck or car every night will have a serious impact on virtually any car insurance rate. Usually, car insurance is cheaper in non-urban towns simply because fewer cars and trucks signifies a reduced possibility that you’re going to get into a crash with some other vehicle. The populace of Norfolk is 246,139 plus the usual household income is $44,030.
Any area where serious accidents are common will automatically see more expensive insurance rates. And, unfortunately for Norfolk, serious accidents are not common. On a per capita basis, the average Dallas driver has a 1 in 5,600 chance of getting into a fatal accident – which is higher per capita than many similarly-sized cities. But, if you have a clean driving record, you could qualify for some Safe Driver discounts.
Auto Thefts in Norfolk
Getting the best price on car insurance might be a pain of you’re driving around an expensive, flashy car – or even a low-cost yet highly popular model. Sometimes car thieves will target high-end vehicles for their expensive value; other times, they go for common models whose interchangeable spare parts are in high demand on the black market. The total quantity of stolen motor vehicles in 2013 was up to 767 vehicles in Norfolk. Due to this recent spike, you might want to double-check the status of your Comprehensive coverage.
Your Credit Score
Your credit score in Virginia has a very significant influence on how much you will end up paying for your insurance each month. Many providers will double or even triple your monthly payment if you have bad credit. Nationwide, however, is only charging modestly higher rates, even for motorists with poor credit.
Statistically speaking, young teenage drivers will likely get into a car-totaling accident within their first year of driving. For such reasons, insurance companies are reluctant to sell them coverage. But there are Good Student and Driver’s Ed discounts which can help younger motorists get a fairer price.
Your Driving Record
Virginia insurance companies take driving violations very seriously. That’s why you can see such a drastic jump in premiums for DUIs and major accidents. But they are more lenient when it comes to things like speeding tickets. You might even be able to get them to ignore a minor accident from your recent past if they offer any “Accident Forgiveness” discounts.
The more expensive your vehicle is, the more insurance coverage you will have to purchase in order to protect it, period. In a way, this is actually saving you money over the long term. After all, if you were to carry state minimum coverage on a Porsche, for example, you might save a whole lot of money on premiums, but odds are that your coverage won’t pay out any claims if something happens to your vehicle.
Minor Car Insurance Factors in Norfolk
You can also tweak some of the circumstances below for some possible savings:
Your Marital Status
Married couples have a greater opportunity to bundle insurance policies than single drivers do. They can bundle their own auto policies together, they can add homeowner’s or RV insurance to their current bundle, or they can even add their teenage children to a family policy for extra savings.
These days, it seems as though each automotive insurance provider has a different method for figuring out how to calculate premiums by gender – if gender is even factored into the equation in the first place. Each company operates by its own set of rules when it comes to gender and driving.
Your Driving Distance to Work
Commuting around Norfolk might take a while for the average motorist. Typically, it may take between 18 and 26 minutes for the average worker to commute from home, although trips as long as 25 minutes aren’t uncommon. Just over 70% of all residents will likely be driving themselves to work in their own truck or car, while around 5-23% will carpool. As many as 5% walk to work.
There is a significant difference in premiums between vehicles driven for business purposes, and vehicles driven for personal use (work, school, pleasure, etc). And that difference can be anywhere from 12-14% higher for the vehicles which are insured for business.
Your Coverage and Deductibles
If you’re going to “hack” your monthly premiums by raising your deductible, make sure you do it responsibly. Figure out how much your new premium will be, and make sure you have at least that much saved up in the bank before you alter your policy. Otherwise, you could get caught with your pants down if you need to file a claim but can’t pay the higher deductible amount.
Education in Norfolk, VA
The most common form of education in Norfolk is a high school diploma; nearly 30% of the population has one. Just under that at 21% is a segment of the population which has not yet completed all of their secondary education. But did you know that your auto insurance is directly related to how many years of school you’ve had? The higher your education level, the more money you can save.
Whether public or private, vocational or doctoral, odds are that Norfolk has a school or university to suit your needs. One of the largest public universities is Old Dominion University, which has an average enrollment of about 20,000 students annually. On the private side is Virginia Wesleyan College; it is well known for incorporating internships and community service into its curriculum. There is also the Eastern Virginia Medical School and the ITT Technical Institute located nearby.
Auto insurance is among the most significant investments you will make as an individual. You’ll want to make sure you find a legitimate, accountable provider who is going to follow through on their promises. A handful of auto insurance companies happen to be far better at this than the others, and doing a careful internet search can help you distinguish the favorable from the unfavorable.
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
Get started comparing rates right away. It’ll only take a couple of minutes, and you will save a bundle!