Cheapest and Best Car Insurance in Norwalk, CA (July 2024)

Choosing the right car insurance in Norwalk, California, can vary based on your coverage needs and driver profile. Progressively offers the best rates for minimum and full coverage. Travelers is most economical for families with teens.

When it comes to exemplary customer service, Chubb stands out. And Capital Insurance Group takes the lead for overall best value, melding price with service excellence. Ultimately, the best choice will align with your specific preferences and coverage requirements.

Progressive is the most affordable option in Norwalk for minimum coverage car insurance, signifying the importance of researching for the cheapest car insurance. Here are the two most competitive providers:

• Progressive: $453 per year
• Mercury: $534 per year

Chubb offers the most expensive minimum coverage policy in Norwalk, with an annual rate of $913. This price difference, amounting to $460 when compared to Progressive, underscores the advantage of shopping around for car insurance to ensure cost savings.

State Minimum Liability Requirements

For all cities in California, including Norwalk, the law mandates specific car insurance minimums.

California’s required car insurance coverage includes:

• $15,000 bodily injury per person
  
• $30,000 bodily injury per accident
  
• $5,000 property damage liability per accident
  

Your minimum coverage policy would cover up to $15,000 for an individual's injuries and a total of $30,000 per accident. If injuries to one person amount to $20,000, your insurance would contribute $15,000, and you would be responsible for the remaining $5,000 out-of-pocket. This illustration underscores the importance of understanding coverage limits and considering potential liabilities beyond the state-required minimums.

Progressive offers the cheapest full coverage car insurance for Norwalk residents looking to save on their policies.

• Progressive: $1,128 per year
• AAA: $1,316 per year

Farmers holds the most expensive full coverage policy in Norwalk at $2,274 annually — $1,146 more than Progressive. This significant variance underscores the need to compare quotes. Full coverage policies encompass comprehensive and collision insurance, so they naturally cost more than minimum coverage due to their extensive protection.

Do You Need Full Coverage in California?

A full coverage policy in Norwalk includes coverage for damage to your own vehicle in the form of comprehensive and collision coverages. It usually also includes increased liability limits.

• Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.

If you have a new vehicle, it's wise to opt for full coverage insurance for more robust financial protection. If you're leasing or have a car loan, you are typically required to carry full coverage insurance.

On the other hand, owners of older vehicles may find that the extra cost — which can amount to several hundred dollars more per year — is not justified by the value of the vehicle. When deciding how much car insurance coverage you need, consider your ideal balance: more extensive coverage comes with higher premiums, but getting less coverage means you may pay more out of pocket if you need to file a claim.

National General offers the most affordable coverage in Norwalk for drivers with a poor driving record who seek a full coverage policy. Here are the companies with the lowest annual premiums for each specific violation:

• Speeding Ticket: National General ($1,569 per year)
• At-fault accident: Capital Insurance Group ($1,741 per year)
• DUI: National General ($1,569 per year)

State Farm tends to have the highest rates for these infractions. The type of traffic violation can influence car insurance rates significantly.

In Norwalk, as in other cities, insurance rates climb with the severity of driving offenses because insurers view those with violations as higher-risk drivers. For instance, drivers with a speeding ticket may face an annual insurance premium average of $2,356, while those with a DUI could be looking at around $3,929.

With such significant discrepancies in rates, individuals with driving offenses should diligently compare insurance quotes to find the most cost-effective coverage.

Farmers offers the cheapest option in Norwalk for families seeking the cheapest car insurance for teens.

• Farmers: $3,216 per year for female and male teens
• Progressive: $3,439 per year for female and male teens

These rates reflect the combined coverage for a policy that includes two parents and a teenage driver.

Nationwide offers the most expensive teen family policy in Norwalk, with an annual premium difference of $2,791 for female teens when compared with Farmers. This substantial rate variation underscores why comparison shopping is crucial because teen drivers are considered high-risk and can significantly impact family car insurance costs.

In Norwalk and similar cities, the cost difference between teen car insurance premiums on an individual policy versus being added to a family plan is substantial. On average, an individual teen policy is priced at $4,768 annually, compared with the average family plan premium, which is notably lower at $3,979.

The rate difference is primarily due to the elevated risks insurers associate with inexperienced teen drivers. These young motorists often face stringent scrutiny and may struggle to obtain an individual policy due to their higher likelihood of filing a claim, prompting insurers to prefer the mitigated risks of a family plan arrangement. Therefore, it's typically more economical and feasible for teens to be insured under a joint family plan.

Progressive is the cheapest option in Norwalk for full coverage car insurance tailored for those with military backgrounds. For the best rates in town with a military background, consider the following insurers:

• Progressive: $1,128 per year
• AAA: $1,316 per year

USAA is not the cheapest, ranking third with an annual premium of $1,335. USAA is renowned for its exceptional service specifically catering to the needs of active duty military members, which may be a deciding factor for those who value tailored services over the lowest cost.

In Norwalk, comparing car insurance rates is a key strategy for cost savings. However, the process is often cumbersome, potentially requiring over an hour to examine rates from three or more companies.

MoneyGeek's car insurance calculator can help you streamline this process. By inputting details like age, driving history, credit score and preferred coverage, you can instantly receive rate estimates.

Selecting the right auto insurance depends on your priorities, whether it's service quality, cost-effectiveness, coverage options or other factors. The best car insurance providers in Norwalk tailored to varying needs are:

• Best overall: Capital Insurance Group (MoneyGeek score 82 out of 100)
• Best for service: Chubb (MoneyGeek score 94 out of 100)
• Best cheap: Capital Insurance Group (MoneyGeek score 79 out of 100)

If you prioritize overall value, Capital Insurance Group is Norwalk's standout choice for its strong balance of affordability and service. Capital Insurance Group also shines as the provider offering significant savings without greatly compromising service. Those emphasizing premier service might consider Chubb for its top-notch customer experience.

Capital Insurance Group offers the best option for car insurance in Norwalk, providing individuals with a superior blend of affordability and customer satisfaction. Here's how the top two providers compare:

• Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,476 per year)
• Chubb: MoneyGeek score of 78 out of 100 ($2,155 per year)

Capital Insurance Group distinguishes itself by delivering full coverage policies that don't compromise on quality or cost. The company's strength lies in consistently high satisfaction and affordability ratings, making it the leading choice for drivers in Norwalk seeking the best car insurance.

Chubb is the best option in Norwalk for car insurance focused on customer service. This decision is reached analyzing general satisfaction, claims handling and coverages, specifically not considering rates.

• Chubb: MoneyGeek score of 94 out of 100 ($2,155 per year)
• Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,476 per year)

Chubb distinguishes itself as the foremost provider in Norwalk due to its exceptional performance in claims service and a solid coverage offering, evidenced by a perfect score in the stability category.

Capital Insurance Group is the best option for drivers in Norwalk looking for cheap car insurance, with a superior blend of cost-efficiency and customer satisfaction.

• Capital Insurance Group: MoneyGeek score of 79 out of 100 ($620 per year)
• Mercury: MoneyGeek score of 77 out of 100 ($534 per year)

Capital Insurance Group rises to the top primarily because of its exceptional customer satisfaction and claims handling, contributing significantly to its MoneyGeek score. Despite a higher annual premium, it secures its place as the leading provider for a minimum coverage policy.

In Norwalk, residents may expect to pay an average of $1,562 for their car insurance. This figure is exactly in line with the average car insurance cost in California. Both of these costs are lower than the national average, which is $1,781.

Car insurance premiums are influenced by a multitude of factors, including but not limited to, the driver's history, vehicle type and coverage options. Location plays a crucial role, directly impacting rates due to variables such as traffic volume, accident frequency and local crime rates.

Within California, MoneyGeek's analysis highlights that Santa Maria boasts the lowest average insurance premium at $1,106, while Glendale ranks as the most expensive city with an average premium of $2,115. Rates can be even more advantageous in rural, non-city areas, where lower traffic density often leads to reduced insurance rates.