Car Insurance in Norway: A Comprehensive Guide (2025)

Car insurance in Norway is not only a legal requirement but also a vital financial safety net for all vehicle owners. Known for its well-maintained roads and strict traffic regulations, Norway emphasizes road safety and insurance compliance. Whether you're a local resident, a long-term expat, or a traveler planning to drive in Norway, understanding the country’s car insurance system is essential.

This article provides a complete guide to car insurance in Norway, covering legal requirements, types of coverage, costs, top providers, and tips for getting the best deal in 2025.

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1. Is Car Insurance Mandatory in Norway?

Yes. In Norway, third-party liability insurance (Trafikkforsikring) is legally required for all registered vehicles. This minimum insurance covers damage or injury caused to other people, vehicles, or property when you are at fault in an accident.

Driving without valid car insurance in Norway is illegal and can lead to:

• Heavy fines

• Vehicle confiscation

• Liability for all damages in an accident

• Legal prosecution in serious cases

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2. Types of Car Insurance in Norway

Norwegian insurers generally offer three levels of car insurance:

a) Trafikkforsikring (Third-Party Liability Insurance)

• Mandatory by law.

• Covers injury or damage to third parties.

• Does not cover damage to your own car.

b) Delkasko (Partial Comprehensive)

• Includes third-party liability.

• Covers theft, fire, glass damage (e.g., windshield cracks), and natural disasters (storms, floods).

• Often includes roadside assistance and legal protection.

c) Kasko (Full Comprehensive)

• Includes both third-party and partial coverage.

• Covers damage to your own vehicle, even if you were at fault.

• Includes collision, vandalism, and single-vehicle accidents.

• Recommended for new or valuable cars.

Some insurers offer Super Kasko, which may include extras like:

• Rental car coverage

• No-claim bonus protection

• Extended roadside assistance

• New-for-old replacement coverage

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3. Factors Affecting Car Insurance Cost in Norway

Car insurance premiums in Norway are based on a number of factors, including:

• Driver’s age and experience: Young or inexperienced drivers typically pay more.

• Car type and model: Luxury, powerful, or imported cars cost more to insure.

• Vehicle usage: Higher mileage or commercial use increases risk.

• Driving history: Previous claims or traffic violations raise your premiums.

• No-claim bonus: Discounts are given for claim-free driving years.

• Location: Rates may vary slightly depending on urban or rural areas.

• Security features: Anti-theft devices may reduce the premium.

In 2025, the average annual cost for car insurance in Norway is approximately:

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4. Best Car Insurance Companies in Norway (2025)

Here are some of the top car insurance providers in Norway:

a) Gjensidige

• One of Norway’s largest insurers.

• Offers customizable plans.

• Excellent customer service and online tools.

b) Tryg Forsikring

• Popular among expats and locals.

• Offers strong roadside assistance and accident coverage.

• Competitive pricing.

c) If Skadeforsikring

• Known for flexible insurance packages.

• Offers discounts for multiple policies.

• Online claim processing.

d) Fremtind Forsikring

• Owned by DNB and SpareBank 1.

• Fast-growing insurer with modern digital solutions.

e) Storebrand

• Offers eco-friendly car discounts (for EVs and hybrids).

• Strong focus on sustainability and innovation.

Most providers offer online calculators, allowing you to get quotes based on your vehicle and personal details.

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5. How to Get Car Insurance in Norway

Here’s a step-by-step guide to purchasing car insurance in Norway:

Step 1: Gather Documentation

You will need:

• Vehicle registration number

• Norwegian ID number (or D-number for foreigners)

• Driver's license

• Vehicle inspection (EU control) status

Step 2: Compare Offers

Use comparison websites like:

• Finansportalen.no (run by the Norwegian government)

• Or get quotes directly from insurers

Step 3: Choose Your Coverage

Select a policy level that fits your vehicle’s value and your budget.

Step 4: Apply and Purchase

Most insurers allow you to apply and pay online. The coverage starts immediately or on a chosen date.

Step 5: Receive Insurance Certificate

The insurance company sends your insurance certificate electronically to Statens vegvesen (Norwegian Public Roads Administration).

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6. Electric Car Insurance in Norway

Norway has one of the highest percentages of electric vehicle (EV) ownership in the world. If you own an EV like a Tesla, VW ID.4, or Nissan Leaf, you can expect:

• Special discounts on insurance

• Lower tax and toll costs

• Tailored coverage for battery damage or charging equipment

Many insurers offer EV-specific policies in 2025, especially for environmentally conscious drivers.

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7. Car Insurance for Foreigners in Norway

If you're moving to Norway or staying long-term, you must switch to a Norwegian insurance policy once your car is registered in the country. Foreign-issued insurance may be valid for a limited period (usually up to 3 months).

Tips for expats:

• Get a D-number to register with insurers.

• Some international companies (like If) provide English support.

• Consider starting with a third-party plan if you're unsure how long you'll stay.

If you're renting a car, insurance is usually included in the rental agreement, but check for deductibles and extra coverage options.

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8. Making a Claim in Norway

In the event of an accident:

1. Secure the scene and call emergency services if needed.

2. Exchange details with the other driver(s), including insurance information.

3. Take photos of damage and surroundings.

4. File a report using the European Accident Statement (Skademelding).

5. Contact your insurer as soon as possible to begin the claim process.

Most insurers allow online or mobile app claims submission. Processing times depend on the case complexity, but minor claims are often settled within days.

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9. Tips to Reduce Your Car Insurance Premium in Norway

• Build a no-claim bonus: Avoid accidents and claims to get yearly discounts.

• Bundle your policies: Combine car, home, or life insurance for a multi-policy discount.

• Drive an eco-friendly car: Some companies reward EV drivers.

• Install security devices: Dashcams or tracking systems can lower risk perception.

• Pay annually: Some insurers offer discounts for full-year payments over monthly installments.

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10. Conclusion

Navigating the car insurance landscape in Norway is straightforward if you understand the system. With mandatory coverage laws, a well-regulated insurance market, and extensive online tools, getting insured is relatively hassle-free. Whether you're a Norwegian citizen or a newcomer, it’s important to choose a policy that reflects your driving habits, vehicle type, and financial needs.

Driving in Norway offers the chance to experience some of the most beautiful landscapes in the world—make sure you're properly insured to enjoy it with peace of mind.