Cheap Car Insurance in Norfolk, Virginia


The second-most populous city in Virginia, Norfolk (ranking just behinds its neighbor Virginia Beach) is home to the largest Navy base in the world with a total of more than 240,000 residents.

Driving Conditions In Norfolk

As such, it is heavily influenced by military traffic. The average commute time for people working in Norfolk is 21 minutes, according to Index Mundi, which measures traffic congestion.

Navy personnel complain they face even longer commutes than most residents, sitting in traffic for an average of 37 minutes. Critics call it a “mission-readiness issue,” according to The Virginian-Pilot.

Norfolk is located near the Atlantic Ocean and is vulnerable to hurricanes, according to Climate Central. The threat of flooding continues to increase with rising sea levels.

Gas prices in Norfolk routinely fall below the national average.

The Virginia Department of Transportation (VDOT) provides information about traffic conditions and road closures for the Hampton Roads that surround Norfolk. It recommends drivers call 511 for real-time updates.

The VDOT also provides live traffic cameras for various cities around the state, including Norfolk.

Unique Laws In Norfolk

In Virginia, it is illegal for drivers to use radar detectors to avoid police speed traps, according to various law firms. Drivers also must also honk when passing another vehicle, according to the National Driver Safety Services.

Drivers are prohibited from smoking in cars where children under the age of 8 are present, according to the Virginia Legislative Information System.

Ease up on the lead foot. In Virginia, motorists can be charged with reckless driving for traveling only 10 miles an hour over the speed limit in some places. The interstate speed limit is 70 miles an hour, but any driver traveling 80 miles an hour or faster can be charged with reckless driving. In some cases, drivers are arrested for reckless driving, while others have their licenses suspended and face fines.

Though it may not be illegal to drive barefoot, the Virginia Department of Motor Vehicles (DMV) recommends motorists to wear shoes as a safety precaution.

Crime Statistics In Norfolk

Norfolk suffers from crime rates that are about 50 percent higher than the national average, and twice as high as the rest of the state, according to FBI data compiled by Area Vibes.

But car thefts are on the decline. The Norfolk Police Department received 696 reports of stolen vehicles in 2015, a 12 percent decline from the previous year. While the number of stolen cars has continued to decline by another 6 percent in 2016.

According to the Virginia Department of Motor Vehicles (DMV), 185 people were killed in alcohol-related traffic accidents in 2015. Nine of those fatalities occurred in Norfolk in 2014.

The Virginian-Pilot provides a detailed crime map that showcases the crime data.

Safety Requirements In Norfolk

In Virginia, motorists are prohibited from sending text messages from behind the wheel, while those under the age of 18 may not talk on the phone while driving, even if they are using a hands-free device.

Be sure to buckle up. In Virginia, anyone sitting in the front seat of a car must wear a seat belt, while those under the age of 18 must be strapped in at all times, even when they are riding in the back seat

Drivers who are involved in fender benders where no one is seriously injured are required to move their cars to the side of the road so as not to impede the regular flow of traffic, according to VDOT.

Impaired Driving Law In Norfolk

According to the Virginia Department of Motor Vehicles, all motorists will be arrested for driving under the influence if their blood alcohol level is .08 or higher. Drivers who are under the age of 21 could have their license suspended if their blood alcohol level is .02 or higher.

Drivers who are below the legal limit may still be arrested if a police officer believes they are impaired. Those convicted of drunk driving can face up to one year in prison and a $1,000 fine. It is also illegal to drive under the influence of drugs, including marijuana.

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Car Insurance Norfolk, Virginia Agents

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  • Bruce Laderberg


    Bruce Laderberg, Lutcf
    We are a full service independent insurance agency. We represent over 25 "a" rated insurance companies. We write auto, home, life, health and commercial insurance including bonds and general liability. we are a strong local company with access to all the major insurance companies. Give us a call anytime and let us find you the best deal on your insurance needs. 757-965-7700

    What makes your specific agency stand out from your competition?
    Bruce laderberg insurance agency is a locally owned insurance agency. We represent over 25 "a" rated insurance company. What this means for you is you will have an agent here locally that can shop your insurance for you and get you the best policy. At renewal we will check again to see if there is anything better. You will having a hard working honest agent who is on your side!! Please call us.. We would love to work for you 757-965-7700

    • Auto


      Boats/motorcycles/classic Cars

      Life/health Insurance



      General Liability


      Workers Comp

      Retail/office Exposures


      Term Life Insurance

    • Property & Casualty, Life & Health

    • 577634

    6350 Center Drive, Suite 228
    Norfolk, VA 23502
    (757) 965-7700
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  • Keith Robert Dorband


    1600 E Ltl Crk #106
    Norfolk, VA 23518
    (757) 480-3800
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    came in to get a quote and purchased auto policy and life. THe folks there were so nice and pleasant to speak with. Explained for what each coverage meant and how to save money. I really like these guys.

    The office personnel were professional, knowledgeable and capable. They always treat with respect and offer trusted advice. I hope to continue to use this insurance office for as long as I need insurance.

  • Logan Insurance Agency


    5950 Poplar Hall Dr
    Norfolk, VA 23502
    (757) 455-8401
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    I was nervous about what insurance agency I wanted to go with because I needed an SR-22. Someone recommended me to Logan Insurance Agency, and they were great. Ms. Logan search all companies until she found one that had a reasonable down payment and low monthly payment. I had been with Logan Insurance Company for awhile and I can't of going anywhere else. Ms. Logan and her staff are very knowledgeable and their customer service is second to none. I refer all my family and friends to Logan Insurance Agency.

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Did you know ?

Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

Savings Tip

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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