Car Insurance in Norway: A Comprehensive Guide

Car insurance in Norway is not just a legal requirement but also a crucial aspect of responsible vehicle ownership. The Norwegian car insurance system is designed to provide financial protection in case of accidents, damage, theft, and other unexpected events. It also ensures that victims of traffic incidents receive appropriate compensation.

In this article, we’ll cover everything you need to know about car insurance in Norway—types of insurance, legal requirements, costs, choosing a provider, and tips for expats and international drivers.

1. Legal Requirements for Car Insurance in Norway

Mandatory Insurance (Liability Insurance)

In Norway, all motor vehicles must have liability insurance (in Norwegian: ansvarsforsikring). This basic insurance is compulsory by law and must be in place before a car is driven on public roads. It covers:

• Injuries to other people (including pedestrians and cyclists)

• Damage to other people's property (e.g., other vehicles or buildings)

Without this insurance, you cannot legally register or operate a car in Norway. Failing to have valid insurance can result in heavy fines, registration suspension, and even vehicle confiscation.

2. Types of Car Insurance in Norway

Beyond the required liability insurance, drivers can choose from two main types of additional coverage:

a. Partial Coverage Insurance (Delkasko)

This level adds protection for certain risks not covered by liability insurance. It usually includes:

• Fire and theft

• Window (glass) damage

• Towing services

• Vandalism

• Animal collisions

Partial coverage is suitable for drivers who want more security but don’t need full insurance.

b. Comprehensive Insurance (Kasko / Fullkasko)

Comprehensive coverage includes everything in partial coverage plus:

• Damage to your own vehicle (even if the accident is your fault)

• Damage from weather conditions (e.g., storm, flood)

• Parking lot damages

• Collision coverage

This is the most expensive option but offers peace of mind—especially useful for new, expensive, or leased vehicles.

3. What Car Insurance Typically Covers

Depending on the policy level, car insurance in Norway can include:

Always check what your policy includes before signing.

4. Cost of Car Insurance in Norway

The cost of car insurance depends on various factors, including:

• Age and driving experience: Younger and inexperienced drivers pay more.

• Vehicle type: Luxury and high-performance cars cost more to insure.

• Location: Urban areas have higher premiums due to increased accident risk.

• Bonus system: Norway uses a "bonus-malus" system. Safe drivers build up a bonus (discount) over years, which can lower premiums significantly.

• Driving record: Accidents, claims, and violations increase the cost.

Average Price Example:

• Liability only: 4,000 – 6,000 NOK/year

• Partial coverage: 6,000 – 9,000 NOK/year

• Full coverage: 9,000 – 15,000+ NOK/year

Prices can vary dramatically depending on the individual profile and insurer.

5. Insurance Providers in Norway

Several insurance companies offer car insurance in Norway. Some of the top providers include:

• Gjensidige

• If Insurance

• Tryg

• Fremtind (SpareBank 1 & DNB)

• Codan Forsikring

• Eika Forsikring

• Frende

Each provider offers different packages, discounts, and services. Most offer online calculators to help you estimate your insurance cost based on your car and driving history.

6. Bonus-Malus System

The bonus system rewards drivers with a good driving record. It usually starts at 20% bonus and increases yearly without claims, up to a maximum of around 75%. Every accident or claim can reduce your bonus level, increasing your premium.

• 1 claim = drop in bonus level (e.g., from 75% to 60%)

• No claim = increase (up to a limit)

• Young drivers often start with 0% bonus

This system encourages careful driving and long-term relationships with the same insurer.

7. Roadside Assistance and Add-ons

Most insurers offer optional roadside assistance, which can be a lifesaver in emergencies such as:

• Flat tires

• Battery failure

• Lockouts

• Towing

Other optional add-ons include:

• Legal coverage (help with lawsuits after an accident)

• Rental car coverage

• Passenger accident insurance

• No-claims protection

These features may add to the premium but can be valuable.

8. Car Insurance for Expats and Foreigners

Foreign residents, expats, and international students in Norway must comply with the same car insurance laws. If you import a vehicle or buy one locally, you must insure it immediately.

Tips for Expats:

• Many insurers offer services in English.

• You may need a Norwegian ID number (fødselsnummer) to purchase insurance.

• EU driving licenses are accepted, but some insurers may charge more if you lack a Norwegian license.

• Provide proof of no-claims history from your home country if available—it might help reduce premiums.

9. Insurance When Renting a Car

If you rent a car in Norway, basic insurance is usually included:

• Collision Damage Waiver (CDW)

• Theft Protection (TP)

• Third-party Liability

However, you may be responsible for a deductible (up to 10,000 NOK or more). You can purchase Super CDW or additional protection to reduce this.

If you have travel insurance or a premium credit card, check whether it includes rental car coverage.

10. How to File a Claim

If you're involved in an accident or your car is damaged:

1. Stay safe and call emergency services if needed (112 or 113).

2. Exchange information with other drivers (name, phone, insurance).

3. Document everything: photos, notes, and damage.

4. Contact your insurer immediately and file a claim.

Most companies allow online claim submissions, and some offer mobile apps.

11. Important Laws and Notes

• Winter tires are mandatory from November to April in many areas—insurance may be void if not used correctly.

• Drink-driving is strictly prohibited (0.02% BAC limit) and can invalidate your insurance.

• If you drive without insurance, the Norwegian Motor Insurers’ Bureau (TFF) may impose penalties and collect compensation costs.

12. Final Tips and Recommendations

• Shop around and compare quotes before choosing an insurer.

• Consider bundling car insurance with home or travel insurance for discounts.

• Choose the level of coverage based on the car’s value and your driving habits.

• Maintain a clean driving record to benefit from bonus discounts.

• Review your policy yearly to ensure it still meets your needs.

Conclusion

Car insurance in Norway is a structured and well-regulated system designed to protect all road users. Whether you’re a resident or a newcomer, understanding the types of coverage, legal obligations, and cost factors will help you make informed decisions. With multiple providers and a competitive market, Norwegian drivers can choose tailored solutions that suit their needs, budgets, and driving habits.

By staying informed and responsible, you’ll not only comply with the law but also drive with peace of mind on Norway’s roads.