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Get Cheap Car Insurance in East Ocean View, Norfolk, VA

We monitor insurance prices, helping the average driver in East Ocean View save up to 38.8% on car insurance.

 

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The Cheapest Minimum Coverage in East Ocean View

The chart below shows the cheapest car insurance company in East Ocean View for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Farm Bureau, and Safeco Insurance.

 
East Ocean View Insurer Monthly Cost
Metromile $47
Geico $53
Farm Bureau $56
Safeco Insurance $59

Savings for Every Kind of East Ocean View Driver

The table shows how much the average auto insurance customer in East Ocean View might save by following our recommendations.

Based on our extensive insurance data, we know the average East Ocean View driver will save about 38% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $491 per year by choosing the right vehicle insurance company. Some East Ocean View residents are paying out over $1,303 extra every year for auto insurance in East Ocean View. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
East Ocean View, Norfolk, VA Savings / Yr.
Drivers with good records
$491
Drivers with accidents
$839
Drivers with speeding tickets
$718
Drivers with a DUI conviction
$701
Young drivers
$1,148
Married drivers
$263
Drivers with bad credit
$473

East Ocean View Car Insurance vs. Norfolk

People living in East Ocean View pay an average of 7.26% more than the typical driver in the state. The average driver in East Ocean View can expect to pay about $902 per year, or $1,303 for full coverage.

Based on our analysis, Metromile will be the cheapest provider in East Ocean View for most people.

Car Insurance Prices by East Ocean View Neighborhood

East Ocean View, Norfolk, VA map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within East Ocean View?

The map shows insurance prices in and around East Ocean View, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $166 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,386 to a low of $1,220. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the East parts of East Ocean View.

Pick the Best Car Insurance Company for You in East Ocean View

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the East Ocean View insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in East Ocean View

For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $491 over the average East Ocean View car insurance company.

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We use the average good driver, paying $68 per month, as our baseline for pricing in East Ocean View. Metromile, Elephant, and Safeco Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for East Ocean View drivers with accidents on their records

In East Ocean View getting into an accident will raise premiums an average 40% for a yearly cost of $2,161. That's $858 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Metromile, and Farm Bureau are good choices for drivers with accidents.

In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $839 over the competition.

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The best car insurance company for East Ocean View drivers with speeding tickets

>Metromile gave the average person with a speeding ticket the most savings, averaging $718 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In East Ocean View, tickets raise premiums on new quotes about $604. If you have a speeding ticket, we recommend State Farm, Metromile, and Farm Bureau for savings that beat the average insurance cost of $1,907 per year.

The best auto insurance for East Ocean View drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,094 per year in auto insurance premiums, which was $790 more than a driver with no major issues. Farm Bureau, Clearcover, and Elephant penalized their customers the least for a DUI.

Getting a quote from Farm Bureau may cost the average person with a DUI about $701 less each year.

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The least expensive car insurance company for new and young drivers in East Ocean View

In East Ocean View, Erie Insurance costs young drivers $1,148 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 69% more for insurance than more mature drivers in East Ocean View. With an average cost of $4,162 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Erie Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in East Ocean View

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $129. State Farm, Geico, and Farm Bureau provided the largest discounts to couples living in East Ocean View.

Farm Bureau gave the largest car insurance discounts to married couples, averaging $263 saved each year compared to an average East Ocean View couple's premiums.

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The cheapest car insurance in East Ocean View for drivers with bad credit

People with poor credit saved an average of $473 with Farm Bureau.

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Many people are surprised that their poor credit score can cost them an average of $648 every year. Premiums for people with poor credit were about $1,951 in East Ocean View. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Farm Bureau, and Elephant.

The best East Ocean View car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In East Ocean View, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Erie Insurance as the best provider in East Ocean View.

Nationwide was the best company for customer service in East Ocean View according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in East Ocean View, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in East Ocean View. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in East Ocean View

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 60% of East Ocean View residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average East Ocean View driver can expect to pay about $89 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In East Ocean View, USAA has the best prices for young drivers, drivers with accidents, drivers with bad credit, married couples, drivers with speeding tickets, drivers with a DUI conviction, and good drivers.
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Auto Insurance Prices in and Around East Ocean View

What Influences the Cost of Car Insurance in East Ocean View?

On average, car insurance in East Ocean View is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in East Ocean View is 34 minutes, which is a little more than average for a driver in the city.
  • Virginia state insurance regulations may allow for lower prices.
  • An average of 0 to 1 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in East Ocean View are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
  • East Ocean View is a lightly populated area in the state. The neighborhood’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in East Ocean View is $75 per month for minimum coverage and $109 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average East Ocean View driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central East Ocean View with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.