Car Insurance in Norway: A Complete Guide (2025)

Car insurance in Norway is a critical topic for anyone planning to own, lease, or drive a vehicle in the country. Whether you are a Norwegian citizen, a foreigner relocating for work or study, or an expat living long-term, understanding the car insurance landscape in Norway is vital for your financial safety and legal compliance. This article offers a detailed, up-to-date overview of the car insurance system in Norway, from mandatory requirements and coverage options to leading providers and tips to save on premiums.

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1. Legal Requirements for Car Insurance in Norway

In Norway, it is legally mandatory for all car owners to have a minimum level of car insurance. This minimum coverage is third-party liability insurance, known as ansvarsforsikring.

What Is Third-Party Liability Insurance (Ansvarsforsikring)?

• It covers damage or injury you cause to others in an accident.

• Includes damages to other vehicles, property, or people involved.

• Does not cover damages to your own vehicle or injuries to yourself.

Driving a car without valid insurance in Norway is illegal and can lead to heavy fines, vehicle registration cancellation, or even criminal charges.

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2. Types of Car Insurance in Norway

Norwegian insurers generally offer three main types of car insurance:

a) Liability Insurance (Ansvarsforsikring)

• The basic and mandatory insurance.

• Covers third-party damage and injury.

• Often selected for older or low-value cars.

b) Part Comprehensive (Delkasko)

• Includes all that is covered by ansvarsforsikring.

• Also covers:

  • Theft

  • Fire

  • Glass/window damage

  • Damage from wildlife (e.g., moose or deer)

  • Storm, natural disasters

• Ideal for mid-range vehicles or owners seeking more protection without full coverage.

c) Comprehensive Insurance (Kasko/Fully Comprehensive)

• Covers everything in ansvarsforsikring and delkasko.

• Additionally covers:

  • Damage to your own car — even if you are at fault

  • Vandalism

  • Accidental damage

  • Towing and transportation costs

• Recommended for new, leased, or expensive cars.

d) Super Comprehensive (Superkasko/Utvidet Kasko)

• A premium version of full coverage.

• Often includes loss of value, legal aid, rental car, and zero deductible options.

• Good for luxury vehicles or those who prioritize maximum peace of mind.

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3. How Car Insurance Premiums Are Calculated in Norway

Norwegian car insurance premiums vary based on multiple factors:

a) Driver Profile

• Age: Young drivers under 25 often pay more.

• Experience: More driving years = lower premiums.

• Driving history: Accidents or traffic violations increase risk.

• Bonus levels: Norwegian insurers use a bonus-malus system to reward safe drivers.

b) Vehicle Details

• Brand and model

• Age of the car

• Engine power and type (electric, hybrid, gasoline, diesel)

• Market value

• Safety rating and theft risk

c) Location

• Urban areas like Oslo, Bergen, or Stavanger may have higher premiums due to traffic and theft rates.

• Rural areas tend to have lower risk profiles.

d) Usage

• Annual mileage

• Personal vs commercial use

• Whether the car is parked in a garage or outdoors

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4. The Bonus-Malus System in Norway

The bonus-malus system is widely used in Norway to reward claim-free driving. Here’s how it works:

• Each year you drive without making a claim, your bonus increases.

• Bonus levels usually range from 0% to 75% discount.

• A claim can drop your bonus and increase your premium.

• Some insurers offer "Bonus Protection", which prevents you from losing your bonus after your first claim.

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5. Top Car Insurance Companies in Norway (2025)

There are several reputable insurance companies in Norway offering car insurance:

a) If Skadeforsikring

• One of the largest insurers in Scandinavia.

• Offers English support for expats.

• Flexible add-ons and excellent mobile app.

b) Gjensidige

• Norway's oldest insurance company.

• Known for solid customer service.

• Offers bundle discounts for home and car insurance.

c) Tryg Forsikring

• Popular in both Norway and Denmark.

• Offers a wide range of car insurance products.

• Attractive prices for young drivers.

d) Fremtind (DNB/Sparebank 1)

• A modern insurer backed by large banks.

• Strong online service and integration with banking apps.

e) Eika Forsikring

• Regional insurer serving many local banks.

• Personalized services and strong presence in rural areas.

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6. How to Purchase Car Insurance in Norway

Buying car insurance is relatively straightforward. You can:

1. Compare providers online (via sites like Finansportalen.no).

2. Select your preferred insurer and coverage level.

3. Submit your personal and vehicle details.

4. Receive an instant quote.

5. Sign electronically and activate the policy.

Most insurance companies in Norway allow you to manage your policy online or via mobile apps.

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7. Making a Claim

If you're involved in an accident or need to file a claim, follow these steps:

1. Ensure safety first; call emergency services if needed.

2. Exchange contact and insurance details with the other driver.

3. Take pictures of the scene, vehicle damage, and road conditions.

4. Notify your insurer as soon as possible.

5. Submit a written accident report and claim form (often available via mobile app).

6. Repair assessment is arranged through partner garages.

Claims are typically processed within a few days to a few weeks, depending on severity.

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8. Car Insurance for Foreigners and Expats in Norway

If you're an expat or international student in Norway, here’s what you need to know:

a) Valid Driving License

• EU/EEA licenses are valid in Norway.

• Non-EU licenses may be valid for up to 3 months.

• Long-term residents must convert to a Norwegian license.

b) Insurance Requirements

• You are required to insure your car in Norway, even if it was registered elsewhere.

• Some companies may accept international no-claims certificates.

c) Language Support

• Many major insurers provide English-language services and contracts.

• If you don’t speak Norwegian, choose companies like If, Gjensidige, or Tryg, which cater to expats.

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9. Tips to Save on Car Insurance in Norway

Here are some smart strategies:

• Use comparison websites to get the best rate.

• Increase your deductible (egenandel) to lower premiums.

• Bundle home and car insurance with one provider.

• Install anti-theft and safety devices in your vehicle.

• Drive safely and build your no-claims bonus.

• Choose a less powerful car, especially for new drivers.

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10. Electric Cars and Insurance in Norway

Norway has the highest rate of electric car ownership per capita in the world. If you drive an EV, here are some specifics:

• Many insurers offer special discounts for EVs.

• EVs often have lower taxes and maintenance costs, but can be more expensive to repair, which may increase premiums slightly.

• Some insurers offer battery coverage, home charging station protection, and roadside assistance for EVs.

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Conclusion

Navigating car insurance in Norway can be straightforward if you understand your legal obligations, the types of coverage available, and how insurers calculate risk. Whether you're a local or a foreigner, selecting the right level of coverage and the right provider can help protect your finances and offer peace of mind. Norway’s strong infrastructure, strict regulations, and digitized insurance platforms make it easier than ever to get insured and drive confidently on the roads.