Norfolk drivers pay an average rate of $114 per month for car insurance, according to internal data from Insurify. Two out of Norfolk’s three cheapest car insurance companies — Clearcover, Safeco, and Liberty Mutual — have average car insurance rates even lower than that average.

Norfolk’s small population of just under 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

Norfolk drivers pay some of the lowest car insurance rates in Nebraska.
Insurers in Nebraska can use your credit score when setting your premium.
Nebraska drivers need 25/50/25 liability coverage at a minimum.

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Best 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.

Best insurer for cheap rates: Clearcover

cheap ratesClearcover

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IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	3.1
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
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.	$49/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.	$71/mo

Overview

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

Pros and cons

Pros

Covers difficult-to-insure drivers
Offers rideshare coverage

Cons

Very high rates for drivers with moving violations
Coverage available in only 20 states

Reviews

The pricing is good, but the renewal process is a nightmare; calling, chatting, and filling up forms for extended renewal is too much work. Just get Progressive.

BAYRON - July 23, 2023

Verified

I filed a claim with Clearcover last year, and they haven't paid it. Now my policy has gone up by $40 per month.

Catherine - January 14, 2023

Verified

Great service, low price, very helpful staff

Jack - September 12, 2022

Verified

Read our Clearcover review

Best insurer for discounts: Safeco

discountsSafeco

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IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	3.7
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	825
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.	$45/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.	$101/mo

Overview

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

Pros and cons

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

Reviews

They are really patient over the phone, and anytime I can change something on my policy online.

Mildred - August 30, 2023

Verified

Concern-free claims processing.

Billy - August 26, 2023

Verified

My rates have risen twice since being with them with no notice. They also screwed up my account by using the wrong Vin number.

Glenn - August 10, 2023

Verified

Read our Safeco review

Best insurer for bundling: Liberty Mutual

BundlingLiberty Mutual

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	3.8
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	819
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.	$80/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.	$150/mo

Overview

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

Pros and cons

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

Reviews

I don’t like talking to a computer. I’m a one-on-one kind of person.

James - September 13, 2023

Verified

Good response time.

Chesarae - September 9, 2023

Verified

Very easy to deal with.

Renaldo - September 5, 2023

Verified

Read our Liberty Mutual review

Top 10 Cheapest Car Insurance Companies for November 2023

Cheapest liability-only car insurance in Norfolk

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. Here’s what you can expect to pay for liability-only coverage in Norfolk:

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Insurance Company	Average Monthly Quote
Auto-Owners	22
American Family	30
USAA	33
GEICO	35
Allstate	37
State Farm	38
Safeco	45
Clearcover	49
Nationwide	51
Progressive	53
Farmers	62
AssuranceAmerica	63
Midvale Home & Auto	63
Shelter	64
Dairyland	78
Liberty Mutual	80
The General	80
Foremost	90
Bristol West	105

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

Cheapest full-coverage car insurance in Norfolk

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:

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Insurance Company	Average Monthly Quote
Auto-Owners	37
American Family	52
USAA	57
GEICO	59
Allstate	63
State Farm	65
Clearcover	71
Nationwide	87
Progressive	92
AssuranceAmerica	100
Safeco	101
Farmers	107
Midvale Home & Auto	109
Shelter	109
Liberty Mutual	150
Foremost	177
Dairyland	180
The General	211
Bristol West	233

Estimate your Norfolk car insurance costs

State

Age

Credit Score

Are you insured

Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

I’m a good driver

Save 31%

I’m a homeowner

Save 8%

I’m married

Save 23%

I have multiple cars

Save 39%

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	Minimum Requirements
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:

Collision coverage
Collision coverage pays for damages to your vehicle from a collision with another vehicle or object.
Comprehensive coverage
Comprehensive coverage pays for damages to your car due to events other than a collision, such as theft, vandalism, and hail.
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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Cheapest car insurance for drivers with a speeding ticket

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.

The following insurers offer affordable monthly quotes to drivers with speeding tickets in Norfolk:

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	55	33
American Family	77	45
USAA	85	49
GEICO	88	52
Allstate	93	55
State Farm	96	56
Clearcover	105	73
Nationwide	129	76
Progressive	137	79
AssuranceAmerica	148	93
Safeco	150	67
Farmers	159	92
Midvale Home & Auto	162	93
Shelter	162	95
Liberty Mutual	223	119
Foremost	263	134
Dairyland	267	116
The General	313	119
Bristol West	346	156

Cheapest car insurance for drivers with an at-fault accident

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. The following insurers offer affordable monthly quotes to drivers with at-fault accidents in Norfolk:

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	57	34
American Family	80	46
USAA	88	51
GEICO	91	54
Allstate	97	57
State Farm	100	58
Clearcover	109	75
Nationwide	134	78
Progressive	141	81
AssuranceAmerica	154	97
Safeco	155	69
Farmers	164	95
Midvale Home & Auto	168	97
Shelter	168	98
Liberty Mutual	231	123
Foremost	272	138
Dairyland	277	120
The General	324	123
Bristol West	358	161

Cheapest car insurance for drivers with a DUI

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]

The following insurers offer affordable monthly quotes to drivers with DUIs in Norfolk:

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	64	38
American Family	90	52
USAA	99	57
GEICO	102	61
Allstate	109	64
State Farm	113	66
Clearcover	123	85
Nationwide	151	89
Progressive	160	92
AssuranceAmerica	174	109
Safeco	175	78
Farmers	186	108
Midvale Home & Auto	189	109
Shelter	189	111
Liberty Mutual	261	139
Foremost	307	156
Dairyland	313	136
The General	367	139
Bristol West	405	182

How Long Does a DUI Stay On Your Record?

Cheapest car insurance for seniors

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. By age 75, they typically see that heightened risk reflected in higher auto insurance rates.^[6]

The following insurers offer affordable monthly quotes to senior drivers in Norfolk:

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	16	9
American Family	22	13
USAA	24	14
GEICO	25	15
Allstate	27	16
State Farm	27	16
Clearcover	30	21
Nationwide	37	21
Progressive	39	22
AssuranceAmerica	42	27
Safeco	43	19
Farmers	45	26
Midvale Home & Auto	46	27
Shelter	46	27
Liberty Mutual	63	34
Foremost	74	38
Dairyland	76	33
The General	89	34
Bristol West	98	44

Cheapest car insurance for teens

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.

The following insurers offer affordable monthly quotes to teen drivers in Norfolk:

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	65	39
American Family	92	53
USAA	101	58
GEICO	104	62
Allstate	111	65
State Farm	115	67
Clearcover	125	87
Nationwide	154	90
Progressive	162	94
AssuranceAmerica	177	111
Safeco	178	79
Farmers	189	109
Midvale Home & Auto	192	111
Shelter	192	113
Liberty Mutual	265	141
Foremost	313	159
Dairyland	318	138
The General	373	141
Bristol West	411	185

The 10 Best and Worst Car Insurance Comparison Sites for 2023

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:

Compare quotes from multiple car insurance companies.
Avoid speeding and other moving violations.
Maintain a high credit score.
Increase your deductible.
Bundle your auto insurance with home or renters insurance.

Find Cheap Car Insurance in Norfolk

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Norfolk car insurance quotes by credit tier

Not only does a good credit score 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 scores have a higher risk, so they pay higher premiums than drivers with good or excellent credit.

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 $114 per month, only a little bit cheaper than Nebraska’s average monthly rate of $119. Both are cheaper than the national average of $139.

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	Average Monthly Quote	Compared to Norfolk
Bellevue	$151	15%
Lincoln	$136	3%
Omaha	$159	20%

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.

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 $161 per month on average. Drivers pay an average of $132 per month for full-coverage car insurance and $95 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 3.6 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 a month?
Car insurance in Nebraska costs $114 per month on average. Drivers pay $86 per month for liability-only coverage and $151 per month for full coverage.
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 90 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 50+ 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.

More cities in Nebraska

Popular cities

Sources

Nebraska Department of Motor Vehicles. "Insurance Requirements (Proof of Financial Responsibility)." Accessed August 11, 2023
Nolo. "The Minimum Auto Insurance Coverage Required in Nebraska." Accessed August 11, 2023
III. "What determines the price of an auto insurance policy?." Accessed August 11, 2023
III. "Do auto insurance premiums go up after a claim?." Accessed August 11, 2023
Nolo. "Will My Car Insurance Cover My DUI Car Accident?." Accessed August 11, 2023
Centers for Disease Control and Prevention. "Older Adult Drivers." Accessed August 11, 2023
World Population Review. "Nebraska Cities by Population (2023)." Accessed August 11, 2023

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.

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Edited byDanny SmithHome and Pet Insurance Editor

Danny SmithHome and Pet Insurance Editor

P&C license candidate in Massachusetts
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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Table of contents

Table of contentsCompare quotes

Find Car Insurance in Norfolk, Nebraska

Best car insurance companies in Norfolk

Best insurer for cheap rates: Clearcover

cheap ratesClearcover

Best insurer for discounts: Safeco

discountsSafeco

Best insurer for bundling: Liberty Mutual

BundlingLiberty Mutual

Top 10 Cheapest Car Insurance Companies for November 2023

Cheapest liability-only car insurance in Norfolk

Cheapest full-coverage car insurance in Norfolk

Estimate your Norfolk car insurance costs

Select discounts that apply to you

Age

Credit Score

Are you insured

Your estimated deal

Select discounts that apply to you

Car insurance requirements in Nebraska

Collision coverage

Comprehensive coverage

Medical payments coverage

Cheapest car insurance for drivers with an incident

Shop for Car Insurance in Norfolk, NE

Cheapest car insurance for drivers with a speeding ticket

Cheapest car insurance for drivers with an at-fault accident

Cheapest car insurance for drivers with a DUI

How Long Does a DUI Stay On Your Record?

Cheapest car insurance for seniors

Cheapest car insurance for teens

The 10 Best and Worst Car Insurance Comparison Sites for 2023

How to get the cheapest car insurance in Norfolk

Find Cheap Car Insurance in Norfolk

Norfolk car insurance quotes by credit tier

Rates by Credit Tier

Is car insurance more expensive in Norfolk?

More cities in Nebraska

Norfolk car insurance FAQs

Methodology

Related articles

More cities in Nebraska

Popular cities

Sources

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