Car Insurance in Norfolk

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Getting Around Norfolk, VA

Norfolk is working on a multimodal city plan to increase non-personal vehicle transportation options. This is an attempt to moderate some of the congestion seen with a growing number of cars on limited road space within the city. To that end, Hampton Roads Transit offers several regional and local bus routes for Norfolk residents to take advantage of. The Elizabeth River Ferry and Tide Light Rail service round out public transit options.

Despite these efforts, Norfolk roads continue to see an increase in car traffic. That means extra risks for city drivers and highlights the need for comprehensive car insurance in Norfolk.In fact, the average one-way commute time for Norfolk residents is just over 20 minutes. Additionally, city data shows 2,238 car crashes reported in 2022.

Adding to the need for a full-coverage insurance plan is the increasing number of auto thefts in Norfolk. With 790 stolen vehicles reported in 2020, the city experiences a higher rate of car thefts than the rest of the state.

Required Coverage for Norfolk Car Insurance

To obtain a valid tag for your car in Virginia, you must have a minimum amount of liability insurance or pay a $500 uninsured motor vehicle fee. Drivers who opt to pay the fee drive at their own risk with no protection.

Minimum liability coverage limits required by the state are currently set at $30,000 per person and $60,000 per accident, with an additional $20,000 of property damage liability protection. These limits will increase to $50,000 for bodily injury liability, $100,000 per accident and $25,000 of property damage per accident for policies taking effect after January 1, 2025.

Liability insurance coverage pays for damages to other people's property or for costs associated with medical care or legal claims after an accident. Limits should be sufficient to protect your personal assets. Therefore, many drivers choose to purchase coverage that is higher than these minimums. Visit VIU by HUB to compare quotes and find the right coverage for your Norfolk car.

Optional Coverages

Taking into account the risks of owning a car and driving in Norfolk, many drivers choose to add extra coverage for greater protection.

Comprehensive: This portion of your coverage pays for damage to your car in specific situations, such as theft, vandalism or weather-related events.
Collision: This portion of your policy pays to repair or replace your vehicle after most types of accidents, such as a collision with another car or stationary object.

Costs of Car insurance in Norfolk

The average cost for full-coverage car insurance in Norfolk is $1,142 per year. while a minimum liability policy will set you back about $575 every year. That is slightly higher than the state average of $942 and the national average of $1,054. Higher premiums are typical of large cities with high population density and congested roads, and Norfolk's 232,995 residents place it as the fourth-largest city in Virginia.

These rates are for an experienced driver with a clean driving record. Factors such as your age, driving history, coverage levels and the age and type of car you drive will impact how much you pay for coverage. You may also qualify for discounts to help bring premiums down even more.

Comparing rates with VIU by HUB can help you save a significant amount on car insurance in Norfolk without sacrificing coverage amounts.

This information is intended for general informational purposes only and is not intended to constitute legal advice.