For a 40-year-old driver with a clean record, Norfolk car insurance averages about $214 a month ($2,567 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 4% below the Nebraska average of $224 a month. Progressive has the lowest full-coverage average of the four insurers we price, at about $125 a month.
Norfolk is priced a little below average for our benchmark driver: about $10 a month less than the Nebraska average and about $25 a month less than Omaha.
Progressive’s Norfolk average, about $125 a month for full coverage, is its lowest in the eight Nebraska cities we publish guides for.
Cost data comes from the auto rates insurers file with state regulators, priced in Norfolk’s ZIP code, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 1, 2026.
How Much Is Car Insurance in Norfolk, NE?
Full coverage in Norfolk averages $2,567 a year, or about $214 a month, for our benchmark driver. Liability-only coverage at Nebraska’s 25/50/25 minimum averages $485 a year ($40 a month), and 50/100/50 liability with comprehensive and collision averages $2,493 ($208 a month).
- Full coverage (100/300/100, $500 deductibles): $2,567 a year ($214 a month)
- 50/100/50 with $500 deductibles: $2,493 a year ($208 a month)
- Liability only (25/50/25): $485 a year ($40 a month)
- Madison County: $2,567 a year ($214 a month) for full coverage
- Nebraska average: $2,688 a year ($224 a month) for full coverage
Cheap Car Insurance in Norfolk: Companies Compared
- Lowest average in our data, full coverage: Progressive, at about $125 a month ($1,502 a year).
- Next lowest: Farmers Mutual of Nebraska, at about $135 a month, then Farm Bureau Financial Services at $273.
- Lowest liability-only average (25/50/25): Progressive, at about $22 a month, then Farmers Mutual of Nebraska at $23.
- State Farm (Nov. 2025 rates)*: about $176 a month for full coverage, from its November 2025 rates.
- Also on our list: USAA at about $139 a month, Auto-Owners at $163, GEICO at $177 and Shelter at $196 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $322 a month, $2,364 a year more than Progressive for the same driver and car.
Progressive has the lowest full-coverage average among the four insurers in our Norfolk rate data. The published 2026 statewide Nebraska rate studies we reviewed don’t agree on the cheapest insurer for full coverage. Of the seven that price it, two put Farmers Mutual of Nebraska first and two GEICO, apart from USAA, which sells only to military families, and the other three name other insurers. Farmers Mutual of Nebraska is first or second in all five that include it. For liability-only coverage at 25/50/25 limits, Progressive has the lowest average among the insurers we price, at about $22 a month, with Farmers Mutual of Nebraska close behind at $23.
Full-coverage averages by insurer in Norfolk
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $262 | $22 | $1,502 | $125 |
| Farmers Mutual of Nebraska | $279 | $23 | $1,619 | $135 |
| Farm Bureau Financial Services | $481 | $40 | $3,281 | $273 |
| Allstate | $918 | $77 | $3,866 | $322 |
| State Farm (Nov. 2025 rates)* | $421 | $35 | $2,109 | $176 |
| USAA (military families)* | $334 | $28 | $1,668 | $139 |
| Auto-Owners* | $394 | $33 | $1,957 | $163 |
| GEICO* | $311 | $26 | $2,123 | $177 |
| Shelter* | $486 | $41 | $2,353 | $196 |
| Norfolk average | $485 | $40 | $2,567 | $214 |
This table uses Norfolk’s ZIP code only. See how we calculated these rates.
Your ZIP code matters
How Much More Does Better Coverage Cost in Norfolk?
Raising liability limits from 50/100/50 to 100/300/100 adds about $74 a year on average in our Norfolk data, with the same $500 deductibles. That’s about $6 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Allstate charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Norfolk?
Not for our benchmark driver. Comparing the same insurers in the same Norfolk ZIP code, full coverage averaged $2,770 a year in rates as of Nov. 30, 2025, and $2,567 as of Aug. 31, 2026, a 7.3% drop. Progressive cut its Norfolk average 22.2% and Farm Bureau Financial Services 16.2%, while Allstate raised its average 7.0%; Farmers Mutual of Nebraska’s average was unchanged. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 25/50/25 limits fell 1.4%, led by Progressive, which cut its liability-only average 16.6%.
What Shapes Car Insurance Costs in Norfolk
Madison County averages about $214 a month for full coverage, near the middle of the 30 Nebraska counties we price. Our Madison County figure comes from Norfolk’s ZIP code, 68701.
Wayne, to the northeast in Wayne County, averages about $218 a month, and Columbus, to the south in Platte County, $211. Prices depend on where in Nebraska you live, not just on your car and driving record.
How Norfolk Car Insurance Compares With Other Nebraska Cities
More Nebraska cities and towns are in the Nebraska rates by city table, and you can compare states on our car insurance rates by state page.
Fremont, about 65 miles southeast, averages $211 a month, and Omaha, about 95 miles southeast, $239. Grand Island, about 90 miles southwest, averages $208.
What Car Insurance Is Required in Norfolk?
Drivers in Norfolk follow Nebraska’s auto insurance laws. Every auto liability policy must include at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $25,000 per crash
- Uninsured and underinsured motorist coverage of $25,000 per person and $50,000 per crash
Our Nebraska requirements guide covers proof of insurance and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Norfolk
- Compare Progressive and Farmers Mutual of Nebraska first. They have the two lowest full-coverage averages in our Norfolk data, about $125 and $135 a month.
- Quote several insurers. In our Norfolk data, the lowest and highest insurer averages are about $197 a month apart for the same driver and car.
- Don’t let a no-proof citation turn into an SR-22. After a conviction for no proof of insurance, the DMV suspends your license and requires an SR-22 on file for three years from the citation date, plus a $50 reinstatement fee.
- Compare at every renewal. Since November 2025, Progressive has cut its Norfolk average 22.2% and Farm Bureau Financial Services 16.2%, while Allstate has raised its average 7.0%, so the order in our table can shift.
- Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Nebraska home insurance rates before you shop.
Ready to compare
How We Calculated Norfolk Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: four full-coverage premiums from four insurers in Norfolk’s ZIP code, plus the same number of liability-only and 50/100/50 premiums.
- Insurer count: our Nebraska averages come from four insurers, fewer than in most states. Two of them, Farmers Mutual of Nebraska and Progressive, charge far less than the other two for full coverage in every Nebraska city and town we price, so the averages can move a lot when one insurer changes its prices. We publish them as calculated, without adjustment.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Nebraska’s 25/50/25 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. Nebraska requires 25/50 uninsured and underinsured motorist coverage on every auto liability policy.
- Calculation: for each insurer we take its lowest eligible price in Norfolk’s ZIP code. The overall average is the mean of those prices. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in that ZIP code and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP code, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm’s row uses its November 2025 rates, so it’s left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from recent published Nebraska rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Nebraska law and the Nebraska Department of Motor Vehicles. We refresh these figures when new rate data is released.
Norfolk Car Insurance FAQ
For our benchmark driver, full coverage in Norfolk averages about $214 a month ($2,567 a year) and liability-only coverage about $40 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 4% below the Nebraska average of $224 a month.
Progressive has the lowest full-coverage average in our Norfolk rate data, at about $125 a month, with Farmers Mutual of Nebraska close behind at $135. For liability-only coverage, Progressive has the lowest average, at about $22 a month. The published 2026 statewide Nebraska rate studies we reviewed don’t agree on the cheapest insurer for full coverage: of the seven that price it, two put Farmers Mutual of Nebraska first and two GEICO, apart from USAA, and Farmers Mutual of Nebraska is first or second in all five that include it. Rates vary by driver, so compare quotes for your own car and ZIP code.
Norfolk, for our benchmark driver. Norfolk full coverage averages about $214 a month and Omaha about $239, a difference of about $25 a month for the same driver and car.
Lincoln, for our benchmark driver. Norfolk full coverage averages about $214 a month and Lincoln about $203, a difference of about $11 a month for the same driver and car.
In our Norfolk data, full coverage (100/300/100 with $500 deductibles) averages about $214 a month and liability-only coverage at 25/50/25 limits about $40, a difference of about $174 a month ($2,082 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Not for our benchmark driver. Comparing the same insurers and ZIP code, Norfolk full coverage fell 7.3% between November 2025 and August 2026, from about $2,770 to $2,567 a year. Progressive cut its Norfolk average 22.2% and Farm Bureau Financial Services 16.2%, while Allstate raised its average 7.0%. Liability-only coverage at 25/50/25 limits fell 1.4%.
- About the Author
- Latest Posts
Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
