Compare Car Insurance in Norway

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19 live offers compared from 9 providers, from kr1100 /year. Updated daily.

What is car insurance in Norway?

Car insurance protects you against the cost of accidents, theft, fire and damage involving your vehicle. In Norway every registered car must carry at least trafikkforsikring (motor liability cover), which pays for injury and damage you cause to other people and their property. On top of that, most drivers add delkasko (partial) or kasko (comprehensive) cover to protect their own vehicle. Cover is closely tied to the mandatory trafikkforsikringsavgift collected through your premium.

How the Norwegian market works

Norway operates a bonus system (bonus/skadefri kjøring) where years without a claim cut your premium, often up to 70-75 percent. Premiums depend on your age, address, annual mileage, the car's value and your claims history. Cover tiers run from basic ansvar (liability only) through delkasko, which adds fire, theft and glass, up to full kasko, which also covers collision and vandalism damage to your own car. Leasing and financed cars almost always require kasko. The market is competitive, and many buyers switch at renewal to keep the price down.

Benefits

Legal compliance — Liability cover is compulsory for every registered vehicle and avoids penalties from Statens vegvesen.

Own-damage protection — Kasko covers collision, vandalism and single-vehicle accidents whatever the fault.

No-claims discount — Years of safe driving build a large, portable bonus.

Extras — Roadside assistance (veihjelp), rental car and glass cover are commonly bundled in.

How to choose

Decide the cover level first: liability only for an old, low-value car; delkasko for a mid-value car; kasko for a new, leased or financed vehicle. Then compare the excess (egenandel), the mileage band you select, and whether veihjelp and rental cover are included. Check that your no-claims bonus transfers when you switch insurer, and read how young-driver and winter-tyre conditions affect the premium.

Leading providers in Norway

If Insurance is one of the largest motor insurers in the Nordics. Gjensidige is a long-established Norwegian mutual with broad coverage. Fremtind (owned by SpareBank 1 and DNB) is a major distributor through banks. Tryg, Frende, KLP and SpareBank 1 all compete on price and service, while Protector Forsikring focuses more on the commercial and public sector. Codan also operates in the Norwegian market.

What it costs

Annual premiums for private cars typically run from around 1,100 NOK for basic liability on an older car with maximum bonus, up to about 7,200 NOK or more for full kasko on a newer car or a younger driver. The excess you agree, your mileage band and your address all move the price. Choosing a higher egenandel lowers the premium but raises your out-of-pocket cost after a claim.

Protections and regulation

Insurers are authorised and supervised by Finanstilsynet. The Norwegian Motor Insurers' Bureau (Trafikkforsikringsforeningen) covers claims involving uninsured or unknown vehicles, and mandatory liability cover ensures accident victims are compensated. Disputes can be taken to Finansklagenemnda, the financial complaints board. Terms and pricing must follow Norwegian insurance-contract law.

Common questions

Is any cover legally required? Yes, trafikkforsikring (liability) is compulsory for every registered vehicle, even one that is off the road but still registered.

What is the difference between delkasko and kasko? Delkasko covers fire, theft and glass; kasko adds collision and vandalism damage to your own car.

Can I keep my bonus if I switch insurer? Yes, your no-claims bonus is portable between Norwegian insurers.

Car Insurance in Norway — FAQ