Norwalk drivers want the cheapest and best car insurance that suits their preferences and needs.
Progressive is the best overall and best car insurance provider in Norwalk. It also offers the least expensive full coverage and minimum coverage car insurance. USAA offers the most affordable car insurance for current and former military members.
Farmers provides the cheapest car insurance for teens on a family policy. Capital Insurance Group offers the lowest rates for drivers with at-fault accidents, while National General has the cheapest policies for drivers with speeding tickets and DUIs. Finally, Chubb offers the best customer service.
Cheapest and Best Car Insurance in Norwalk, CA
Cheapest Minimum Liability Car Insurance in Norwalk
The most affordable car insurance companies for a minimum coverage policy in Norwalk, California, are:
- Progressive: $449 per year
- GEICO: $476 per year
Meanwhile, Chubb offers the highest-priced minimum coverage car insurance plan in Norwalk, averaging $913 per year.
California requires car insurance policies to meet state-mandated liability limits for bodily injuries and property damage. The amounts are as follows:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability per accident
If you have minimum coverage insurance and cause $50,000 in third-party injuries in an at-fault car accident, your insurer will pay $30,000 in damages. You will be required to pay the remaining $20,000.
Cheapest Full Coverage Car Insurance in Norwalk
The cheapest car insurance companies for a full coverage policy in Norwalk, California, are
- Progressive: $1,078 per year
- AAA California: $1,165 per year
Chubb is the most expensive provider of full coverage car insurance in the city, with an average annual premium of $2,155.
With full coverage auto insurance, you get comprehensive and collision insurance added to your liability insurance.
- Collision insurance pays for damages to your car caused by a collision with another car or object.
- Comprehensive insurance provides protection from non-collision incidents, including theft, natural disasters, vandalism and fire.
Full coverage insurance isn’t always a good purchase for older vehicles. It costs hundreds more per year than minimum coverage, and an older car might not be worth enough to justify the extra expense.
Compare minimum and full coverage policies.
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Cheapest Car Insurance in Norwalk After a Driving Offense
The cheapest car insurance companies after driving violations in Norwalk are:
- Speeding ticket: National General ($1,347 per year)
- At-fault accident: Capital Insurance Group ($1,712 per year)
- DUI: National General ($1,347 per year)
The most expensive car insurance provider for drivers with DUIs is The Hartford, which charges roughly $5,546 per year. Chubb offers the most expensive coverage for drivers with at-fault accidents, with an average annual premium of $3,491. Nationwide charges the highest rates for drivers with speeding tickets, averaging $2,935.
Drivers with poor records are viewed as higher risk and therefore pay higher rates than drivers with safe records.
Car insurance premiums tend to increase for more severe offenses, although this isn’t always the case. In Norwalk, the cheapest coverage for a driver with an at-fault accident costs $365 more than the most affordable insurance for someone with a speeding ticket.
Find the cheapest car insurance with a bad driving record by comparing rates from multiple insurers.
Cheapest Car Insurance in Norwalk for Teens and Their Families
The most affordable car insurance providers for teens on a family policy in Norwalk, California, are:
- Farmers: $3,216 for teen girls and boys
- Capital Insurance Group: $3,413 for teen girls and boys
On a family insurance policy, Nationwide provides the most expensive car insurance for teenage drivers. Premiums for both teen boys and girls cost an average of $6,008.
Although car insurance premiums for teen girls are generally cheaper than for teen boys, that’s not the case in Norwalk. Even in locations where teen boys pay more, this difference decreases as they gain more driving experience and enter early adulthood.
When it comes to getting car insurance for a teenage driver, it is often more cost-effective to add them to an existing family policy rather than buying them an individual policy.
Adding a teen to a family policy saves an average of $673 per year compared to buying teens their own policies. To find affordable car insurance for teens, it's important to explore all available options and take into account the various factors that can affect insurance premiums.
Cheapest Car Insurance in Norwalk for Military Drivers
The cheapest military car insurance providers in Norwalk, California, are:
- USAA: $1,022 per year
- Progressive: $1,078 per year
The most affordable insurance providers for military families seeking minimum coverage are these same companies, but in the opposite order: Progressive and USAA, with annual premiums averaging $449 and $458, respectively.
How to Compare Cheap Norwalk Car Insurance Quotes Online
It can take 15 minutes or more to get a car insurance quote from one company, and you’ll need to enter several pieces of personal information.
MoneyGeek created a calculator to give you a ballpark estimate of your car insurance costs in just a few clicks. By providing your age, vehicle type, coverage level and driving record, our car insurance calculator can quickly help you estimate your premiums.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Norwalk: Summary
For a car insurance policy that fits your unique needs, it's important to consider factors such as cost, coverage options and the level of customer service provided by the insurance provider.
The best car insurance providers in Norwalk are:
- Best overall: Progressive (MoneyGeek score of 74 out of 100)
- Best for service: Chubb (MoneyGeek score of 76 out of 100)
- Best cheap: Progressive (MoneyGeek score of 78 out of 100)
The overall MoneyGeek score for each company varies based on how certain factors are weighted in different categories. On a statewide basis, AAA provides the best car insurance in California.
Best Overall Car Insurance in Norwalk
The best car insurance companies in Norwalk, California, are:
- Progressive: MoneyGeek score of 74 out of 100 ($1,078 per year)
- Capital Insurance Group: MoneyGeek score of 72 out of 100 ($1,454 per year)
Progressive offers the most affordable policies in Norwalk, and it also provides several valuable coverage options.
For military members and their families, USAA is the best insurer in Norwalk, with a MoneyGeek score of 84 out of 100.
How was this MoneyGeek score calculated?
Good coverage rating
Most affordable policies in Norwalk
Offers accident forgiveness and pet coverage
Ranks #11 out of 14 insurers for customer satisfaction
Progressive provides many valuable coverages, including two types of accident forgiveness that are automatically included in their auto policies for certain accidents. Eligibility depends on how long the customer has been with Progressive. Large Accident Forgiveness coverage is available to customers who stay accident- and violation-free for a minimum of three consecutive years.
Its gap insurance coverage pays the difference between the remaining balance on your loan or lease and your vehicle’s actual depreciated value if your car is totaled in a covered loss. This insurer also offers pet coverage for pet injuries up to a certain limit if your pet is injured in an auto accident.
Progressive also offers custom parts coverage that protects aftermarket accessories like stereos, navigation systems, custom wheels and more.
Best Car Insurance in Norwalk for Customer Service
Excluding cost from our rating system, the best car insurance companies for customer service in Norwalk are:
- Chubb: MoneyGeek score of 76 out of 100 ($2,155 per year)
- Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,454 per year)
Chubb performed well in claims experience and customer satisfaction ratings. Capital Insurance Group earned an even higher score in customer satisfaction but struggles with coverage options.
Chubb has the highest-priced auto insurance policies in Norwalk, California, so you’ll need to pay a high price for the best possible service.
How was this MoneyGeek score calculated?
Good customer satisfaction rating
Outstanding claims management
Offers original equipment manufacturer coverage and classic car insurance
Lacks some common coverage options
No accident forgiveness coverage
Chubb has been recognized by MoneyGeek as the best car insurance provider for customer service in Norwalk, California. It does not offer many coverage options, but the ones it does have can be valuable.
With its rental car/travel reimbursement coverage, you can rent a car just like the one you own. It has an optional coverage limit of up to $5,000 with no daily limit.
Chubb's classic car insurance provides coverage for vehicles that are at least 30 years old, part of a larger vehicle collection or limited production models. The insured vehicles must be garaged and used for hobby purposes only to qualify for this coverage.
Chubb car insurance covers the cost of using original equipment manufacturer parts for any repairs. Original parts often provide better functionality and safety than aftermarket alternatives.
Best Cheap Car Insurance in Norwalk
MoneyGeek evaluated California car insurance providers that fulfill the state's minimum insurance requirements by taking into account their affordability and quality of service.
The best insurance companies in Norwalk are:
- Progressive: MoneyGeek score of 78 out of 100 ($449 per year)
- GEICO: MoneyGeek score of 75 out of 100 ($476 per year)
Minimum coverage policies offer low insurance rates, but they only provide limited protection for liability costs and do not cover damages to your vehicle in the event of an accident.
How was this MoneyGeek score calculated?
An affordable minimum coverage policy costs $449 per year
Offers valuable add-on coverages
Discounts for bundling, safe driving and online quotes
No anti-theft system discount
Mediocre customer satisfaction rating
With various discounts available and the lowest average premium in the city, Progressive is the best choice for those looking for an affordable car insurance policy in Norwalk, California.
Progressive offers all of the most common auto insurance discounts, including those for bundling multiple policies, insuring multiple cars, safe driving and students with good grades.
This insurer also offers some rare discount opportunities, including savings for originating your quote online and signing your policy documents online. It also offers a homeowners discount that can even be combined with its bundling discount. Plus, Progressive provides discounts for maintaining continuous coverage with them, setting up automatic payments, and paperless billing.
Average Cost of Car Insurance in Norwalk
The average cost of auto insurance in Norwalk for full coverage is $1,460 per year. This policy includes $100,000 in bodily injury liability per person and $300,000 per accident, along with $100,000 in property damage liability.
The city’s average car insurance cost is $73 higher than the average full coverage car insurance cost in California as of October 2022. The national average car insurance premium costs roughly $1,265 annually, $195 less than the average rate in Norwalk.
Car insurance providers evaluate location as a crucial aspect of determining insurance costs, although many other factors are also considered.
About Mark Fitzpatrick