Cheapest Auto Insurance in Norfolk, Nebraska (2025)

Drivers in Norfolk, Nebraska, can expect to pay a monthly average of $103 for auto insurance, with a liability-only average $68 and full-coverage average of $138. This is less than the statewide monthly averages of $75 and $146, 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.

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.

Best insurer for cheap rates: Clearcover

Best insurer for discounts: Safeco

Best insurer for bundling: Liberty Mutual

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.

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 $68 for liability-only auto insurance.

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 $138 for full-coverage auto insurance.

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

Drivers should also consider carrying the following coverages:

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

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 $81 for liability-only auto insurance and $165 for full-coverage auto insurance. The following insurers offer affordable monthly quotes to drivers with speeding tickets in Norfolk.

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 $89 for liability-only insurance and $181 for full-coverage insurance. The following insurers offer affordable monthly quotes to drivers with at-fault accidents in Norfolk.

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 $85 for liability-only coverage and $172 for full coverage. The following insurers offer affordable monthly quotes to drivers with DUIs in Norfolk.

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 $55 and a full-coverage average of $111. The following insurers offer affordable monthly quotes to senior drivers in Norfolk.

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 $135 for liability-only auto insurance and $274 for full-coverage auto insurance. The following insurers offer affordable monthly quotes to teen drivers in Norfolk.

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.

Is car insurance more expensive in Norfolk?

Norfolk drivers pay an average of $103 per month, a bit cheaper than Nebraska’s average monthly rate of $111. Both are cheaper than the national average of $144.

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: