Compare the Cheapest Car Insurance Quotes in Norwalk

Norwalk’s average car insurance cost is $1,460 annually — 2.2% higher than California’s average. Esurance provides the cheapest auto insurance in Norwalk at approximately $1,060 per year. MoneyGeek studied Norwalk’s cheapest insurers by coverage amount and driving history, and found the best companies for quality and cost in Norwalk, to help drivers find a fit for their profile.

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Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 7/31/2022
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The cheapest car insurance company in Norwalk overall and for drivers with a speeding ticket is Esurance. However, the cheapest for you depends on your preferred coverage and profile. Progressive offers the cheapest state minimum policy, while military members can go to USAA for great rates. AAA is MoneyGeek’s best-rated car insurer in Norwalk, balancing cost and customer service.

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The Cheapest and Best Car Insurance in Norwalk

The Cheapest Car Insurance Companies in Norwalk

On average, MoneyGeek found the cheapest full coverage car insurance in Norwalk is with:

  • Esurance: $1,060 per year
  • Progressive: $1,101 per year

A driver with a military background or part of a military family may be eligible for USAA, the third most affordable insurance provider. USAA costs roughly $1,145 per year for full coverage.

Esurance is Norwalk’s most affordable auto insurer, around 70.8% cheaper than Allied, the city’s priciest.

A full coverage car insurance policy covers damages and theft to your vehicle with its inclusion of comprehensive and collision coverage. The liability limits you choose affect the premium.

Cheapest Car Insurance in Norwalk
Full Coverage 100/300/100
  • Company
    100/300/100per year
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    State Farm
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Following the MoneyGeek methodology, we gathered average rates for a 40-year-old male driver in Norwalk with a full coverage policy.

A full coverage auto policy protects drivers for damage to their vehicle or theft by adding comprehensive and collision coverage to state minimum liability. It costs more to get full coverage, but the additional benefits are valuable.

  • Collision insurance: pays to replace or repair your car after an at-fault accident with a vehicle or object
  • Comprehensive insurance: pays for non-collision damages like fire and falling objects, and theft and vandalism

Drivers with an older vehicle may pay more for a full coverage car insurance policy than their car’s worth. If that’s the case, a state minimum or liability-only policy could be better to get the cheapest rate possible.

Compare Car Insurance Rates in Norwalk

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

Cheapest Car Insurance in Norwalk for Minimum Coverage

A state minimum policy is the cheapest available car insurance in Norwalk.

MoneyGeek’s research shows that the following providers offer Norwalk’s most affordable state minimum policies:

  • Progressive: $452 on average per year
  • AAA: $562 on average per year

USAA also offers a cheap state minimum policy in Norwalk at around $473 per year. However, it is only available to current and retired military personnel and their families.

Progressive’s state minimum policy is around $380 more affordable than Farmers, Norwalk’s most expensive state minimum policy.

Although a state minimum policy is affordable, it comes with higher risks because of the low levels of liability coverage and no comprehensive and collision coverage. Toggle the table to see the rates for higher liability coverage.

Cheapest Minimum Liability Car Insurance in Norwalk
State Minimum

California’s state minimum policy is the cheapest available car insurance in Norwalk, but it offers the least protection. It only includes $15,000 per person and $30,000 per accident of bodily injury liability and $5,000 in property damage liability, the minimum required in California.

Drivers may save money with a state minimum policy but could pay more out of pocket in an accident. For example, a driver at-fault for $25,000 in medical bills of another person has to pay $10,000 since the policy only pays up to $15,000 per person.

California Minimum Liability Requirements

  • Item
  • Bodily Injury and Property Damage
    $15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Norwalk if You Have Driving Violations

Speeding tickets, DUIs, at-fault accidents and other driving violations raise a driver’s auto insurance rates.

Based on MoneyGeek’s analysis, the most affordable car insurance companies with a driving violation in Norwalk are:

  • Cheapest after a ticket: Esurance, $1,342 on average per year
  • Cheapest after an at-fault accident: Esurance, $1,666 on average per year
  • Cheapest after a DUI: Mercury, $2,510 on average per year

USAA offers Norwalk’s cheapest car insurance for drivers with a speeding ticket at around $1,251 a year. However, it’s only available to drivers with a military background and their families.

Drivers with driving violations can improve their records after a few years and get lower rates. Meanwhile, shopping around and comparing quotes is the best way to obtain affordable car insurance with a violation.

Cheapest Car Insurance in Norwalk With a Violation
Speeding Ticket

Average Cost of Car Insurance in Norwalk


Drivers in Norwalk pay around $1,460 per year for car insurance, which is higher than California’s average cost of car insurance and for the United States. Norwalk’s auto insurance cost is 2.2% higher than the California average and 2.5% more expensive than the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in Norwalk

Age, gender, vehicle make and model, coverage levels and ZIP code affect car insurance quotes in Norwalk. Insurance companies use the data to determine a driver’s risk profile. Since companies have different ways of calculating rates, it makes sense to compare quotes from various providers.

Compare Car Insurance Rates in Norwalk

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

The Best Car Insurance Companies in Norwalk

To find the top car insurance companies in Norwalk, MoneyGeek analyzed various providers and their average rates, user satisfaction and claims ratings. Based on these factors, the best insurance providers in the city are:

  • Esurance: MoneyGeek Score of 91 out of 100
  • AAA: MoneyGeek Score of 86 out of 100

We did not include USAA in our analysis because the company’s policies are only available to military members, veterans and their family members. However, USAA scored a 92 out of 100, making it the best overall insurance company in California for those with a military background.

There are no ratings for this company
Geek Quick Take
Geek Quick Take

In Norwalk, Esurance ranks first in affordability and above average in customer satisfaction and financial stability. Their policies cost an average $1,060 per year, and they offer a rare optional custom parts coverage add-on, which few insurers make available.

More About Esurance

Esurance offers a great balance between affordability, financial stability and customer satisfaction — making it the best car insurance company in Norwalk. One of the insurer’s more unique optional add-ons include custom parts coverage. If you have after-market upgrades, this can help pay for the cost of repairs in the event of damage to a limit of $4,000. You can also opt for gap insurance, which isn’t available at many other insurers. This coverage will pay up to 25% more than your car’s actual cash value and can help you take care of your loan or lease. ShareSmart is another optional add-on. It ensures that there are no gaps in coverage between your personal policy and rideshare insurance policy. The coverage also ensures that you'll pay the lowest comprehensive and collision deductible between your personal policy and your rideshare insurance policy.

Read MoneyGeek's Esurance auto Insurance Review
There are no ratings for this company
Geek Quick Take
Geek Quick Take

AAA scores highly across all categories, earning first in claims ratings. Full coverage car insurance costs an average of $1,242 per year. The insurer offers identity theft coverage, which is a rare option but is included in your AAA membership.

More About AAA

Identity theft coverage is free for AAA members and includes credit monitoring, lost wall protection and fraud resolution support. This coverage is only rarely offered by insurers and premier AAA members get up to $10,000 in identity theft insurance. Standard coverages are offered by AAA too. For instance, roadside assistance is included with your membership and car rental reimbursement can be purchased as an add-on to your policy.

Read MoneyGeek's AAA auto Insurance Review

Average Cost of Car Insurance by Postal Code

A driver’s ZIP code is an important factor affecting car insurance rates. That is because some areas have a higher incidence of accidents, car theft or other issues, making them riskier to insure. Norwalk only has one ZIP code, so rates are around $1,460 across the city. However, car insurance costs vary across California ZIP codes.

  • Zip Code
    State Minimumper year
  • 90650

Factors That Impact Insurance Costs in Norwalk

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Norwalk. How Norwalk ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities192nd/300
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Most Car Thefts210th/300
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Most Uninsured Motorists by State12th/50
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Personal Injury Protection RequiredNo
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Most Annual Rainfall247th/300
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Most Rainy Days260th/300

About the Author


Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.