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Cheapest Auto Insurance in Norfolk, Nebraska (2026)

Norfolk drivers can find liability-only car insurance as low as $38 per month from Auto-Owners.

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Cheapest recent rates near Norfolk, Nebraska

Recent Norfolk, Nebraska car insurance prices for Cadillac, Jeep, Buick , and more.

*Quotes generated for Insurify users in and around Norfolk, Nebraska within the last 10 days. Last updated on February 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Norfolk, Nebraska within the last 10 days. Last updated on February 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Drivers in Norfolk, Nebraska, can expect to pay a monthly average of $87 for auto insurance, with a liability-only average $57 and full-coverage average of $116. This is less than the statewide monthly averages of $68 and $129, respectively.

Norfolk’s small population of around 25,000 residents could contribute to its lower car insurance costs. But the cheapest insurance may not necessarily be the best choice. And even when it is, cheap car insurance only translates to good value if the insurer provides the coverage you need and a positive customer experience.

Here’s what you should know about finding affordable auto coverage in Norfolk, Nebraska.

Quick Facts
  • Drivers in Norfolk, Nebraska, can expect to find the cheapest liability-only and full-coverage auto insurance from Auto-Owners.

  • Insurers in Nebraska can use your credit score when setting your premium.

  • Nebraska drivers need 25/50/25 liability coverage at a minimum.

3 of the cheapest car insurance companies in Norfolk

No single “best” Norfolk car insurance company suits everyone. The best insurer for you is the one that fits your unique needs and circumstances. Your driving record, coverages, age, ZIP code, and other factors all affect your rates.

To find the right option, try to strike a balance between price and coverage — ensuring that the policy meets your coverage needs and budget. Clearcover, Safeco, and Liberty Mutual each offer different benefits and price points — it’s up to you to decide what’s important in a policy.

Insurance Company
sort ascsort desc
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best For
sort ascsort desc
Clearcover7.1$102$41Cheap rates
Safeco8.1$141$73Discounts
Liberty Mutual7.7$178$108Bundling
Disclaimer: Table data is based on real-time Norfolk quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: Clearcover

User Reviews
3.8
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.1 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$141/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$195/mo
3.8
A solid optionBased on 63 verified guest reviews and ratings
How drivers feel about Clearcover

Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
How drivers feel about Clearcover

Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
Reviews (40)
Christy
Verified Purchase
Great so far
Reviewed in Missouri on January 25, 2026
Great for now, we will see what the price does at renewal time.
Daysy
Verified Purchase
Price is cheap but poor claim experience
Reviewed on November 6, 2025
Worst claim handling, no communication whatsoever.
Jerry
Verified Review
They helped me with some relief in getting reliable car insurance coverage
Reviewed in Missouri on June 12, 2025
Very good at helping get some insurance.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.36
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

Clearcover offers some of the cheapest rates in Norfolk. It offers various coverages, including roadside assistance.

Pros
  • Covers difficult-to-insure drivers

  • Offers rideshare coverage

Cons
  • Very high rates for drivers with moving violations

  • Coverage available in only 20 states

Best insurer for discounts: Safeco

User Reviews
4.3
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.1 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$64/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$124/mo
4.3
Best choiceBased on 985 verified guest reviews and ratings
How drivers feel about Safeco

Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco

Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (530)
Jon
Verified Review
Shop around
Reviewed in California on February 4, 2026
Shop around. I believe insurers give an initial lower rate and then increase it over time, knowing that most people just keep paying the higher rate. You have to shop every time renewal comes up.
Patrick
Verified Review
Poor Business Practice
Reviewed in Michigan on January 30, 2026
The price is a bit cheaper than average at first. The issue is that after a month, they claimed they never received the qualifying medical insurance letter, changed your PIP allocations, and charged you hundreds more than the original quote. They make you jump through hoops to get your money back, then only return a minute fraction of it and claim it was the customer's fault. They will not return the money wrongfully taken for "lack of medical coverage letter"—they received it! And let's just for amusement say they never received it, you'd think an email, text, or call to say "Hey, we don't have the medical coverage letter, and we need that or we will deduct such and such on such and such date" would be appropriate... but no, they'd rather be shady! Additionally, getting a service agent at certain times can be difficult!
Stephen
Verified Review
Costs too much
Reviewed in Colorado on January 28, 2026
The insurance is good, but the cost is too high.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
613
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.72
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

Owned by Liberty Mutual, Safeco offers numerous discounts and has an AM Best score of A (Excellent).

Pros
  • Rewards for good drivers

  • Numerous coverage options and discounts

Cons
  • Higher-than-expected number of complaints with the National Association of Insurance Commissioners (NAIC)

  • Below-average J.D. Power customer satisfaction rating in the Central region

Best insurer for bundling: Liberty Mutual

User Reviews
3.4
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.7 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$95/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$161/mo
3.4
A solid optionBased on 3,434 verified guest reviews and ratings
How drivers feel about Liberty Mutual

Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual

Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,860)
Robert
Verified Purchase
Saved me half what I was paying
Reviewed in Ohio on February 5, 2026
Awesome
Rebecca
Verified Review
Rates…As of the 1st of February I switched over to Progressive. Sorry Liberty Murt
Reviewed in South Carolina on February 5, 2026
Liberty Mutual has a lot of good options, but their prices are way too high. I had them for three years, and the price almost doubled on my SUV. I’m 71 years old with no tickets or accidents. I do not drive over (on average) 7 miles a day at most 4 days a week. NEVER had a DUI. For 6 months, my rate is over $2440. Social security only goes so far. That only stretches so far!
Christine
Verified Review
Liberty Mutual is Good
Reviewed in New York on February 3, 2026
Reasonable and adequate.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
612
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

Liberty Mutual has been in business for more than 100 years, and it offers a variety of coverages and discounts.

Pros
  • Wide range of available discounts

  • Accident forgiveness available

Cons
  • Below-average J.D. Power customer satisfaction rating in the Central region

  • High premiums compared to industry average

Top 10 Cheap Car Insurance Companies in February 2026

Top 10 Cheap Car Insurance Companies in February 2026

How to get the cheapest car insurance in Norfolk

Auto insurers take many factors into account when setting rates for your auto insurance policy, including:

  • The type and amount of coverage you purchase

  • Vehicle make and model

  • Driving history

  • Credit score

  • ZIP code

  • Age

  • Gender

  • Deductible amount

To find the cheapest insurance, evaluate your insurance needs and financial situation carefully. If you insure a teen or elderly driver and have a car loan or lease, you have different coverage needs than a single driver who owns their car outright and rarely drives. An insurance agent can answer any questions you have about coverage and help you assess your needs.

Some of the most reliable ways to save on car insurance include the following:

Find Car Insurance in Norfolk, Nebraska

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4.7 out of 5 based on 11,626 reviews
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ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Norfolk: Auto-Owners

Liability car insurance covers property damage and injuries to others when you cause an accident — think medical bills and the cost of repairing or replacing personal property. It’s the minimum required coverage in most states, including Nebraska, and protects against lawsuits from affected parties.

While it won’t cover your own injuries or property damage, it’s more affordable than full coverage. Drivers in Norfolk, Nebraska, can expect to pay a monthly average of $57 for liability-only auto insurance.

The below rates in Norfolk, NE, are estimated rates current as of: Sunday, February 1 at 11:00 AM PST. 
Insurance Company
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Average Monthly Quote
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Auto-Owners$38
National General$49
American Family$52
USAA$58
GEICO$60
Root$61
Allstate$63
Safeco$64
State Farm$65
AssuranceAmerica$68
The General$71
Bristol West$79
Nationwide$87
Dairyland$91
Liberty Mutual$95
Farmers$107
Shelter$110
Disclaimer: Table data sourced from real-time Norfolk car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Norfolk may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Norfolk: Auto-Owners

Full-coverage car insurance adds collision and comprehensive coverages to your liability insurance. Collision protects you when your vehicle is damaged in an accident with another vehicle or object, like a telephone pole. Comprehensive covers you when your car is damaged in a non-collision event, such as hail damage, a fallen tree, fire, vandalism, and theft.

Full coverage is required if you’re financing or leasing a vehicle. It’s also worth considering if you drive a lot, as you’re more likely to get into an accident.

You’ll find the best monthly quotes for full coverage with these Norfolk auto insurers. Drivers in Norfolk, Nebraska, can expect to pay a monthly average of $116 for full-coverage auto insurance.

The below rates in Norfolk, NE, are estimated rates current as of: Sunday, February 1 at 11:00 AM PST. 
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Auto-Owners$68
American Family$95
National General$101
USAA$105
GEICO$109
Allstate$114
Root$116
State Farm$118
Safeco$124
AssuranceAmerica$143
Nationwide$158
The General$160
Liberty Mutual$161
Bristol West$179
Farmers$195
Shelter$199
Dairyland$225
Disclaimer: Table data sourced from real-time Norfolk car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Norfolk may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Norfolk, Nebraska

Recent Norfolk, Nebraska car insurance prices for Chevrolet, Jeep, Toyota , and more.

*Quotes generated for Insurify users in and around Norfolk, Nebraska within the last 10 days. Last updated on February 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Norfolk, Nebraska within the last 10 days. Last updated on February 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Nebraska

As an at-fault state, Nebraska assigns financial responsibility for an accident to the driver who was at fault. Nebraska drivers must carry proof of financial responsibility in their cars. While you have several options for documenting that responsibility, the certificates of insurance provided by car insurance companies licensed in Nebraska are likely the most common.[1]

Here’s the minimum liability coverage for Nebraska drivers:[2]

Coverage
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Minimum Requirements
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Bodily injury liability
  • $25,000 for bodily injury/death of one person
  • $50,000 total for bodily injury/death per incident
Property damage liability
  • $25,000 per incident
Uninsured/underinsured motorist coverage
  • $25,000 per person
  • $50,000 per accident

Drivers should also consider carrying the following coverages:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for damages to your vehicle from a collision with another vehicle or object.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for damages to your car due to events other than a collision, such as theft, vandalism, and hail.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage pays for medical costs for you and your passengers after an accident.

Cheapest car insurance for drivers with an incident

Reportable incidents can affect your car insurance rates. Drivers who have experienced such an event — an at-fault accident, speeding ticket, or conviction for driving under the influence, for example — face a higher risk of future claims, leading insurers to increase premiums or remove discounts at policy renewal.[3]

Shop for Car Insurance in Norfolk, NE

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Excellent
4.7 out of 5 based on 11,626 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

Speeding increases your chance of getting into an accident and, if you’re in a crash, increases the likelihood of more extensive injuries and property damage. Speeding tickets, especially if you receive multiple tickets in three years, usually increase your insurance rate because of that heightened risk. They can also cost you any good-driver discounts you receive.

Drivers in Norfolk, Nebraska, with a speeding ticket can expect to pay a monthly average of $72 for liability-only auto insurance and $147 for full-coverage auto insurance. The following insurers offer affordable monthly quotes to drivers with speeding tickets in Norfolk.

The below rates in Norfolk, NE, are estimated rates current as of: Sunday, February 1 at 11:00 AM PST. 
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
Auto-Owners$38$50
National General$49$61
American Family$52$68
USAA$58$75
GEICO$60$79
Root$61$82
Allstate$63$82
Safeco$64$85
State Farm$65$83
AssuranceAmerica$68$87
The General$71$95
Bristol West$79$100
Nationwide$87$113
Dairyland$91$113
Liberty Mutual$95$121
Farmers$107$137
Shelter$110$147
Disclaimer: Table data sourced from real-time Norfolk car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Norfolk may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

At-fault accidents can result in substantial increases in your insurance rate for up to three years, depending on the severity of the crash and your previous accident history. What’s more, filing too many at-fault accident claims could result in a non-renewal of the policy.[4]

Some auto insurers offer accident forgiveness, although the coverage might be optional. Norfolk drivers with an at-fault accident on record can expect to pay a monthly average of $75 for liability-only insurance and $153 for full-coverage insurance. The following insurers offer affordable monthly quotes to drivers with at-fault accidents in Norfolk.

The below rates in Norfolk, NE, are estimated rates current as of: Sunday, February 1 at 11:00 AM PST. 
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
Auto-Owners$38$50
National General$49$65
American Family$52$69
USAA$58$77
GEICO$60$77
Root$61$81
Allstate$63$84
Safeco$64$89
State Farm$65$85
AssuranceAmerica$68$90
The General$71$97
Bristol West$79$104
Nationwide$87$116
Dairyland$91$120
Liberty Mutual$95$126
Farmers$107$142
Shelter$110$147
Disclaimer: Table data sourced from real-time Norfolk car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Norfolk may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Auto-Owners

Of the three driving incidents listed here, DUIs can have the greatest effect on insurance costs, leading to higher rates and potential difficulty finding coverage with your current and other insurers. Getting into an accident while under the influence leads to even more severe consequences.[5]

Norfolk drivers with a DUI can expect to pay a monthly average of $74 for liability-only coverage and $150 for full coverage. The following insurers offer affordable monthly quotes to drivers with DUIs in Norfolk.

The below rates in Norfolk, NE, are estimated rates current as of: Sunday, February 1 at 11:00 AM PST. 
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
Auto-Owners$53$53
National General$68$68
American Family$72$72
USAA$80$80
GEICO$82$82
Root$85$85
Allstate$87$87
State Farm$90$90
AssuranceAmerica$94$94
Safeco$95$95
The General$98$98
Bristol West$110$110
Nationwide$121$121
Dairyland$126$126
Liberty Mutual$132$132
Farmers$148$148
Shelter$153$153
Disclaimer: Table data sourced from real-time Norfolk car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Norfolk may vary based on the policy buyer's unique driver profile.
How Long Does a DUI Stay on Your Record?

How Long Does a DUI Stay on Your Record?

Cheapest car insurance for seniors: Auto-Owners

Young drivers are the riskiest to insure because they’re the most likely to be in accidents. As a result, they pay the highest premiums.

Drivers start to see significantly lower rates around age 35, and rates stay low for the next several decades. By age 70, however, drivers are at increased risk of being killed in a crash, and they typically see that heightened risk reflected in higher auto insurance rates.[6]

Drivers in Norfolk older than 60 can expect to pay a monthly liability-only average of $47 and a full-coverage average of $95. The following insurers offer affordable monthly quotes to senior drivers in Norfolk.

The below rates in Norfolk, NE, are estimated rates current as of: Sunday, February 1 at 11:00 AM PST. 
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
Auto-Owners$29$52
National General$37$77
American Family$40$74
GEICO$46$84
USAA$46$83
Allstate$50$90
State Farm$50$90
Root$50$95
AssuranceAmerica$52$109
Safeco$54$106
The General$58$131
Bristol West$64$145
Nationwide$65$118
Dairyland$75$186
Shelter$76$138
Liberty Mutual$77$131
Farmers$83$150
Disclaimer: Table data sourced from real-time Norfolk car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Norfolk may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Auto-Owners

Teenagers face high car insurance rates due to their lack of driving experience and higher risk of accidents. But teens and young adults can still save on premiums by staying on their parents’ policies, driving inexpensive cars, and qualifying for good student discounts.

Teen drivers in Norfolk, Nebraska, can expect to pay a monthly average of $119 for liability-only auto insurance and $242 for full-coverage auto insurance. The following insurers offer affordable monthly quotes to teen drivers in Norfolk.

The below rates in Norfolk, NE, are estimated rates current as of: Sunday, February 1 at 11:00 AM PST. 
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
Auto-Owners$81$146
American Family$105$193
National General$106$218
Root$114$217
USAA$115$209
GEICO$116$211
Allstate$133$241
The General$134$302
State Farm$135$245
Safeco$138$267
AssuranceAmerica$149$313
Bristol West$152$344
Dairyland$166$410
Liberty Mutual$180$306
Nationwide$182$330
Farmers$227$414
Shelter$234$423
Disclaimer: Table data sourced from real-time Norfolk car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Norfolk may vary based on the policy buyer's unique driver profile.
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Norfolk car insurance quotes by credit tier

Not only does a good credit history get you better rates on loans, but it also saves you money on your car insurance policy. That’s because insurance companies use your credit score to calculate an insurance score that predicts the likelihood that you’ll file a claim.

Drivers with poor credit have a higher risk, so they pay higher premiums than drivers with good or excellent credit history.

Here’s what Norfolk car insurance companies quote, on average, for drivers with various credit scores.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Norfolk?

Norfolk drivers pay an average of $87 per month, a bit cheaper than Nebraska’s average monthly rate of $99. Both are cheaper than the national average of $137.

More cities in Nebraska

Compared to cities like Bellevue, Lincoln, and Omaha, Norfolk car insurance companies offer more affordable rates. One reason might be that Norfolk is a more outlying area, with less population and traffic — which means less risk of accidents and other causes of damage.[7]

Here’s how the average full-coverage quote in Norfolk compares to quotes in other Nebraska cities:

City
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Bellevue$143$78
Columbus$119$61
Fremont$134$62
Grand Island$120$59
Lincoln$119$72
Omaha$149$86
Disclaimer: Table data is based on real-time Norfolk quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Norfolk car insurance FAQs

Finding the right car insurance can be challenging. Below, you’ll find answers to some commonly asked questions about how to find the best car insurance in Norfolk.

  • How much is car insurance in Norfolk?

    Car insurance in Norfolk costs $87 per month, on average. Drivers pay an average of $116 per month for full-coverage car insurance and $57 per month for liability coverage.

    Your unique rate will depend on your insurer, age, driving record, credit history, vehicle type, chosen coverage level, and more.

  • What are the best car insurance companies in Norfolk?

    With an Insurify Quality (IQ) Score of 8.1 out of 5 and an AM Best financial strength rating of A (Excellent), Safeco is the best car insurance company in Norfolk.

    Of the insurers Insurify has rate data for, other top Norfolk insurers include Liberty Mutual and Clearcover.

  • How much is car insurance in Nebraska per month?

    Car insurance in Nebraska costs $99 per month, on average. Drivers pay $68 per month for liability-only coverage and $129 per month for full coverage.

  • Which company has the cheapest car insurance in Norfolk?

    Drivers in Norfolk can find the cheapest auto coverage from Auto-Owners, with monthly rates as low as $38.

  • What is the minimum car insurance required in Nebraska?

    Nebraska drivers must carry $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as $25,000 per accident in property damage liability insurance. You also must have uninsured motorist coverage up to the same limits as your bodily injury coverage.

  • Is it legal to not have car insurance in Nebraska?

    No. Drivers must carry car insurance in Nebraska that meets the minimum requirements.

Methodology

Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Nebraska Department of Motor Vehicles. "Insurance Requirements (Proof of Financial Responsibility)."
  2. Nolo. "The Minimum Auto Insurance Coverage Required in Nebraska."
  3. III. "What determines the price of an auto insurance policy?."
  4. III. "Do auto insurance premiums go up after a claim?."
  5. Nolo. "Will My Car Insurance Cover My DUI Car Accident?."
  6. Centers for Disease Control and Prevention. "Older Adult Drivers."
  7. World Population Review. "Nebraska Cities by Population (2023)."
Daria Kelly Uhlig
Daria Kelly Uhlig

Daria Uhlig is a freelance writer and editor with over a decade of experience creating personal finance content. Her work appears on USA Today, Nasdaq, MSN, Yahoo Finance, Fox Business, GOBankingRates and AOL. As a licensed Realtor and resort property manager, she specializes in real estate topics, including landlord, homeowners and renters insurance. In her spare time, Daria can be found photographing people and places on Maryland's Eastern Shore. Connect with her on LinkedIn.

Daria has been a contributor at Insurify since October 2022.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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