Cheapest Auto Insurance in Norfolk, Nebraska (2024)
Norfolk drivers can find liability-only car insurance as low as $20 per month from Auto-Owners.
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Written byDaria Kelly Uhlig
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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.
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Edited byDanny Smith
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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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Updated November 21, 2024
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Table of contents
Drivers in Norfolk, Nebraska, can expect to pay a monthly average of $127 for auto insurance, with a liability-only average $80 and full-coverage average of $174. This is less than the statewide monthly averages of $93 and $205, 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 | $87 | $49 | Cheap rates |
| Safeco | 8.3 | $148 | $66 | Discounts |
| Liberty Mutual | 7.7 | $216 | $115 | 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.
Best insurer for cheap rates: Clearcover
| User Reviews | 3.3 |
|---|---|
| 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. | 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. | $42/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. | $74/mo |
3.3
A solid optionBased on 48 verified guest reviews and ratings
How drivers feel about Clearcover
Drivers appreciate the helpful customer service, initial low prices, and reasonable coverage but dislike the significant price increases over time.
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 helpful customer service, initial low prices, and reasonable coverage but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
Reviews (35)
Catherine
October 22, 2024
Verified Review
Great Customer Service
My premium increased by $70 due to an auto accident.
Brett
October 12, 2024
Verified Review
Unexpected Rate Increases
Everything was fine until they started to increase my rates, despite having no claims, DUIs, or moving violations. My driving record is clean, I'm almost 63 years old, and yet my rate keeps going up. It seems like there might be some price gouging in the insurance industry. The reason I decided to switch to Clearcover was because they offered me the best rate at that time. However, since then, my rate has only increased. It should be dropping, not going up.
Richard
October 7, 2024
Verified Review
T.B.
Too expensive for me.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.14A.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).
NRWhy 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 | 4.5 |
|---|---|
| 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. | 8.3 /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. | $57/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 |
4.5
Best choiceBased on 754 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
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 polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (419)
Sarah
November 10, 2024
Verified Review
Too Expensive
The cost is very high. There is no discount for driving less than 50 miles per week. However, we do appreciate the check for not making a claim.
Bonnie
November 2, 2024
Verified Review
The Price of Car Insurance
I'm not happy that I'm paying over $100 per month. My car is a 2013 model.
Harris
October 31, 2024
Verified Review
Just Fine
We have only used them for a flat tire change and windshield replacement.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08A.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).
AWhy 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 | 3.7 |
|---|---|
| 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. | $98/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. | $184/mo |
3.7
A solid optionBased on 2671 verified guest reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.
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 initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,559)
Michael
November 19, 2024
Verified Review
Go Elsewhere
The customer service is poor. It's difficult to speak to a human as it's overly automated.
Deborah
November 12, 2024
Verified Review
Examine Every Inch of Your Policy
I didn't realize I didn't have accident forgiveness until my daughter had an accident. They tripled the cost of my policy.
Lee
November 12, 2024
Verified Review
Ugh!
The rates increase every year. I'm an excellent driver and I've never made a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.95A.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).
AWhy 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 Cheapest Car Insurance Companies for November 2024
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:
Avoid speeding and other moving violations.
Maintain a high credit score.
Find Car Insurance in Norfolk, Nebraska
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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 $80 for liability-only auto insurance.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $20 |
| American Family | $29 |
| USAA | $32 |
| GEICO | $33 |
| Allstate | $35 |
| State Farm | $36 |
| Clearcover | $42 |
| National General | $46 |
| Nationwide | $49 |
| Progressive | $51 |
| Safeco | $57 |
| AssuranceAmerica | $59 |
| Farmers | $60 |
| Shelter | $61 |
| Dairyland | $81 |
| Foremost | $88 |
| The General | $92 |
| Liberty Mutual | $98 |
| Bristol West | $99 |
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 $174 for full-coverage auto insurance.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $34 |
| American Family | $46 |
| USAA | $51 |
| GEICO | $54 |
| Allstate | $56 |
| State Farm | $61 |
| Clearcover | $74 |
| Nationwide | $78 |
| Progressive | $84 |
| Farmers | $96 |
| AssuranceAmerica | $97 |
| Shelter | $99 |
| National General | $102 |
| Safeco | $124 |
| Liberty Mutual | $184 |
| Dairyland | $188 |
| Foremost | $223 |
| Bristol West | $228 |
| The General | $236 |
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 recent rates near Norfolk, Nebraska
Drivers in and around Norfolk, Nebraska have found policies from Liberty Mutual, National General, Allstate, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Norfolk, Nebraska within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 November 21, 2024. 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 November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 November 21, 2024. 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 |
|
| Property damage liability |
|
| Uninsured/underinsured motorist coverage |
|
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]
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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 $123 for liability-only auto insurance and $268 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $20 | $28 |
| American Family | $29 | $40 |
| USAA | $32 | $44 |
| GEICO | $33 | $45 |
| Allstate | $35 | $48 |
| State Farm | $36 | $49 |
| Clearcover | $42 | $58 |
| National General | $46 | $63 |
| Nationwide | $49 | $68 |
| Progressive | $51 | $69 |
| Safeco | $57 | $79 |
| AssuranceAmerica | $59 | $81 |
| Farmers | $60 | $82 |
| Shelter | $61 | $86 |
| Dairyland | $81 | $111 |
| Foremost | $88 | $129 |
| The General | $92 | $128 |
| Liberty Mutual | $98 | $144 |
| Bristol West | $99 | $136 |
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 $127 for liability-only insurance and $276 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $20 | $29 |
| American Family | $29 | $41 |
| USAA | $32 | $46 |
| GEICO | $33 | $47 |
| Allstate | $35 | $50 |
| State Farm | $36 | $51 |
| Clearcover | $42 | $64 |
| National General | $46 | $66 |
| Nationwide | $49 | $71 |
| Progressive | $51 | $73 |
| Safeco | $57 | $81 |
| AssuranceAmerica | $59 | $83 |
| Farmers | $60 | $85 |
| Shelter | $61 | $91 |
| Dairyland | $81 | $115 |
| Foremost | $88 | $133 |
| The General | $92 | $134 |
| Liberty Mutual | $98 | $149 |
| Bristol West | $99 | $141 |
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 $143 for liability-only coverage and $311 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $34 | $34 |
| American Family | $50 | $50 |
| USAA | $55 | $55 |
| GEICO | $57 | $57 |
| Allstate | $60 | $60 |
| State Farm | $62 | $62 |
| Clearcover | $72 | $72 |
| National General | $79 | $79 |
| Nationwide | $84 | $84 |
| Progressive | $88 | $88 |
| Safeco | $91 | $91 |
| AssuranceAmerica | $101 | $101 |
| Farmers | $103 | $103 |
| Shelter | $105 | $105 |
| Dairyland | $139 | $139 |
| Foremost | $151 | $151 |
| The General | $158 | $158 |
| Liberty Mutual | $168 | $168 |
| 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.
)
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 $55 and a full-coverage average of $119. The following insurers offer affordable monthly quotes to senior drivers in Norfolk.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $14 | $24 |
| American Family | $21 | $33 |
| USAA | $23 | $37 |
| GEICO | $24 | $39 |
| State Farm | $25 | $43 |
| Allstate | $26 | $41 |
| National General | $32 | $71 |
| Clearcover | $33 | $58 |
| Nationwide | $33 | $53 |
| Progressive | $33 | $55 |
| AssuranceAmerica | $40 | $66 |
| Shelter | $40 | $65 |
| Farmers | $43 | $68 |
| Safeco | $45 | $97 |
| Dairyland | $59 | $137 |
| Foremost | $64 | $163 |
| The General | $68 | $175 |
| Bristol West | $72 | $167 |
| Liberty Mutual | $75 | $141 |
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 $153 for liability-only auto insurance and $332 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $36 | $61 |
| American Family | $53 | $84 |
| GEICO | $56 | $92 |
| USAA | $57 | $91 |
| Allstate | $66 | $106 |
| State Farm | $66 | $111 |
| Clearcover | $82 | $144 |
| Nationwide | $91 | $144 |
| National General | $95 | $212 |
| Progressive | $95 | $156 |
| Shelter | $108 | $175 |
| Farmers | $111 | $178 |
| AssuranceAmerica | $115 | $188 |
| Safeco | $116 | $252 |
| Dairyland | $139 | $323 |
| The General | $156 | $399 |
| Foremost | $166 | $420 |
| Bristol West | $177 | $408 |
| Liberty Mutual | $178 | $335 |
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.
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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 $127 per month, a bit cheaper than Nebraska’s average monthly rate of $149. Both are cheaper than the national average of $154.
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 ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Bellevue | $252 | $107 |
| Columbus | $201 | $81 |
| Fremont | $214 | $80 |
| Grand Island | $190 | $82 |
| Lincoln | $187 | $101 |
| Omaha | $227 | $117 |
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 $127 per month, on average. Drivers pay an average of $174 per month for full-coverage car insurance and $80 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 $149 per month, on average. Drivers pay $93 per month for liability-only coverage and $205 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
- 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.
Related articles
More cities in Nebraska
Sources
- Nebraska Department of Motor Vehicles. "Insurance Requirements (Proof of Financial Responsibility)."
- Nolo. "The Minimum Auto Insurance Coverage Required in Nebraska."
- III. "What determines the price of an auto insurance policy?."
- III. "Do auto insurance premiums go up after a claim?."
- Nolo. "Will My Car Insurance Cover My DUI Car Accident?."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
- World Population Review. "Nebraska Cities by Population (2023)."
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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.
Edited byDanny 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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