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.

Compare Auto Insurance Rates

Insurance Rates

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

widget-location-pin
Last Updated: 5/16/2022
Advertising & Editorial Disclosure
By     |  

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.

iconribbonbestauto insuranceNorwalk2022

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
  • 1.
    Esurance
    $1,060
  • 2.
    Progressive
    $1,101
  • 3.
    USAA
    $1,145
  • 4.
    AAA
    $1,242
  • 5.
    MetLife
    $1,272
  • 6.
    Allstate
    $1,403
  • 7.
    GEICO
    $1,409
  • 8.
    Mercury
    $1,530
  • 9.
    Hartford
    $1,588
  • 10.
    Farmers
    $1,660
  • 11.
    State Farm
    $1,674
  • 12.
    Travelers
    $1,771
  • 13.
    Allied
    $1,810

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.

widget-location-pin
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
    Description
  • 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

Norwalk$1,460
California$1,429
U.S.$1,424

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.

widget-location-pin
Insurance Rates

The Best Car Insurance Companies in Norwalk

To find Norwalk’s best car insurance companies, MoneyGeek considered the company’s ability to balance affordability and service quality.

MoneyGeek’s scoring system found the best car insurance companies in Norwalk are:

  • AAA: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

However, USAA is the best for drivers with a military background.

We ranked Norwalk’s car insurance companies based on affordability, reputation for customer satisfaction and financial stability using various resources, including J.D. Power.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:87.5

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:87.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

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
    $1,460

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
handcuffs2 icon
Most Car Thefts210th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall247th/300
umbrella icon
Most Rainy Days260th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Norwalk are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

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.