Licensed Realtor with 10+ years in personal finance content
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Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.
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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Drivers in Norfolk, Nebraska, can expect to pay a monthly average of $125 for auto insurance, with a liability-only average $77 and full-coverage average of $173. This is less than the statewide monthly averages of $92 and $220, 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
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.
Full Coverage
Liability Only
Best For
Clearcover
6.8
$85
$55
Cheap rates
Safeco
8.3
$147
$60
Discounts
Liberty Mutual
7.7
$198
$102
Bundling
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.
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 28,000 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.
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.
6.8/10
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.
$44/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.
$68/mo
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
ClearCover started off well, offering prices that were $200 lower than other companies. This made them a highly desirable choice. However, when it came time to renew, they increased the prices by $80. At the next renewal, they raised the price again, this time by $135. This eliminated the favorable price gap they initially had. At the next renewal, they increased the price yet again by $80, making their price higher than the competition's. It's time to look for other options!
Miche - July 1, 2024
Verified
Not Valued as a Loyal Customer
The price was good, but they do not value loyal customers.
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.
8.3/10
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.
$48/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.
$118/mo
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
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.
$82/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.
$159/mo
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
Should Have Looked Harder Before Choosing Liberty Mutual
I wouldn't recommend Liberty Mutual to any of my friends. I've been with this company for almost three years, with no accidents or traffic violations since I got my car in April 2019. However, my rates keep going up, despite being 59 years old. I've been researching for better rates and when I find them, I plan to switch immediately.
Terry - July 22, 2024
Verified
Time for a Change
They increased the rate for no apparent reason, which is unacceptable.
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:
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 $77 for liability-only auto insurance.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
$20
American Family
$27
USAA
$30
GEICO
$32
Allstate
$34
State Farm
$34
Clearcover
$44
Nationwide
$46
National General
$48
Safeco
$48
Progressive
$49
AssuranceAmerica
$55
Farmers
$57
Shelter
$58
Dairyland
$71
Liberty Mutual
$82
The General
$82
Foremost
$83
Bristol West
$98
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: 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 $173 for full-coverage auto insurance.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
$32
American Family
$45
USAA
$50
GEICO
$51
Allstate
$54
State Farm
$55
Clearcover
$68
Nationwide
$75
Progressive
$79
Farmers
$92
Shelter
$95
Midvale Home & Auto
$100
AssuranceAmerica
$103
National General
$103
Safeco
$118
Liberty Mutual
$159
Dairyland
$173
Foremost
$199
Bristol West
$225
The General
$227
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.
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.
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]
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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 $120 for liability-only auto insurance and $269 for full-coverage auto insurance. The following insurers offer affordable monthly quotes to drivers with speeding tickets in Norfolk.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
Auto-Owners
$20
$27
American Family
$27
$37
USAA
$30
$41
GEICO
$32
$44
Allstate
$34
$46
State Farm
$34
$46
Clearcover
$44
$61
Nationwide
$46
$63
National General
$48
$65
Safeco
$48
$66
Progressive
$49
$67
AssuranceAmerica
$55
$76
Farmers
$57
$77
Shelter
$58
$82
Dairyland
$71
$97
Liberty Mutual
$82
$122
The General
$82
$113
Foremost
$83
$124
Bristol West
$98
$133
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 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 $122 for liability-only insurance and $274 for full-coverage insurance. The following insurers offer affordable monthly quotes to drivers with at-fault accidents in Norfolk.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
Auto-Owners
$20
$28
American Family
$27
$38
USAA
$30
$42
GEICO
$32
$45
Allstate
$34
$48
State Farm
$34
$48
Clearcover
$44
$66
Nationwide
$46
$66
National General
$48
$68
Safeco
$48
$66
Progressive
$49
$70
AssuranceAmerica
$55
$78
Farmers
$57
$80
Shelter
$58
$85
Dairyland
$71
$100
Liberty Mutual
$82
$126
The General
$82
$118
Foremost
$83
$127
Bristol West
$98
$137
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 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 $137 for liability-only coverage and $309 for full coverage. The following insurers offer affordable monthly quotes to drivers with DUIs in Norfolk.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
Auto-Owners
$35
$35
American Family
$47
$47
USAA
$52
$52
GEICO
$56
$56
Allstate
$59
$59
State Farm
$59
$59
Clearcover
$76
$76
Nationwide
$80
$80
National General
$83
$83
Safeco
$83
$83
Progressive
$85
$85
AssuranceAmerica
$95
$95
Farmers
$99
$99
Shelter
$101
$101
Dairyland
$123
$123
Liberty Mutual
$142
$142
The General
$142
$142
Foremost
$144
$144
Bristol West
$170
$170
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.
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 $50 and a full-coverage average of $111. The following insurers offer affordable monthly quotes to senior drivers in Norfolk.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Auto-Owners
$14
$22
American Family
$19
$31
USAA
$21
$35
GEICO
$23
$36
State Farm
$23
$38
Allstate
$24
$39
Nationwide
$30
$49
Clearcover
$31
$48
Progressive
$31
$49
National General
$33
$71
Safeco
$35
$86
Shelter
$36
$58
AssuranceAmerica
$37
$69
Farmers
$39
$63
Dairyland
$50
$122
Foremost
$57
$138
Liberty Mutual
$59
$114
The General
$59
$164
Bristol West
$70
$160
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 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 $134 for liability-only auto insurance and $301 for full-coverage auto insurance. The following insurers offer affordable monthly quotes to teen drivers in Norfolk.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Auto-Owners
$34
$54
American Family
$46
$77
USAA
$49
$82
GEICO
$50
$79
State Farm
$57
$92
Allstate
$59
$93
Nationwide
$78
$127
Clearcover
$84
$130
Progressive
$87
$140
National General
$91
$196
Safeco
$98
$241
Shelter
$98
$161
Farmers
$99
$159
AssuranceAmerica
$101
$188
Dairyland
$116
$284
The General
$130
$360
Foremost
$145
$348
Liberty Mutual
$148
$288
Bristol West
$164
$377
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.
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.
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 $125 per month, a bit cheaper than Nebraska’s average monthly rate of $156. Both are cheaper than the national average of $160.
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:
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 $125 per month, on average. Drivers pay an average of $173 per month for full-coverage car insurance and $77 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 8.3 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 $156 per month, on average. Drivers pay $92 per month for liability-only coverage and $220 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 $20.
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.
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.
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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