Average car insurance cost in Norwalk

The average car insurance rate in Norwalk for full coverage is $1,731 per year or $144 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Norwalk is $705 per year. The state minimum liability limits are 25/50/25.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.

Average 6 month premium$865
Average annual premium$1,731
State minimum premium$705

Cheapest car insurance companies in Norwalk

GEICO offers the cheapest rates on average at $1,211 per year. Kemper is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices differ based on where you live, your driving history, coverage limit and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.

Below are the companies that offer cheap car insurance to drivers in Norwalk.

CompanyAverage 6 month rateAverage annual rate
GEICO$605$1,211
Kemper$787$1,573
Progressive$802$1,605
State Farm$874$1,747
Nationwide$909$1,818
Farmers$1,061$2,122
Allstate$1,085$2,170
Amica$1,356$2,711
USAA$312$624

Cheapest car insurance cost in Norwalk by age group

Car insurance rates in Norwalk vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Norwalk by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

  • Cheapest for teens: GEICO
  • Cheapest for young adults: GEICO
  • Cheapest for adults: GEICO
  • Cheapest for seniors: GEICO

Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. GEICO offers the cheapest car insurance for teens at $4,841 per year.

GEICO offers the most affordable auto insurance for young adults at $2,189 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.

Adult drivers pay lowest car insurance premiums because they have more driving experience and a lower risk of accidents. GEICO provides the lowest car insurance rates at $1,179 per year for adult drivers in Norwalk.

GEICO offers the least expensive car insurance for senior drivers in Norwalk, at $1,443 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

CompanyTeensYoung adultsAdultsSeniors
GEICO$4,841$2,189$1,179$1,443
Kemper$7,022$3,023$1,581$1,670
Progressive$7,395$2,541$1,590$1,692
State Farm$5,294$2,976$1,763$1,727
Nationwide$7,310$3,185$1,781$1,866
Farmers$11,261$4,375$2,175$2,065
Allstate$8,716$3,502$2,255$2,289
Amica$8,766$4,925$2,683$2,830
The Hanover$13,310NANANA
USAA$2,484$1,046$640$721

Cheapest car insurance companies in Norwalk by driver profile

Car insurance rates in Norwalk vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

Below are some of the cheapest car insurance companies in Norwalk by driver profile.

Cheapest for a driver with poor credit: GEICO

GEICO is the most affordable car insurance for drivers with poor credit. On average, drivers in Norwalk pay about $1,725 per year for it.

Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Norwalk.

CompanyAverage 6 month premiumAverage annual premium
GEICO$863$1,725
Kemper$1,159$2,317
Progressive$1,174$2,348
Nationwide$1,376$2,751
Allstate$1,807$3,614
Farmers$2,396$4,791
State Farm$3,497$6,994
Amica$4,251$8,502
USAA$531$1,061

Cheapest auto insurance after an at-fault accident: GEICO

In Norwalk, GEICO offers the cheapest car insurance for drivers with at-fault accident at $1,704 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.

The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Norwalk.

CompanyAverage 6 month premiumAverage annual premium
GEICO$852$1,704
State Farm$938$1,875
Progressive$1,246$2,492
Kemper$1,313$2,625
Nationwide$1,551$3,101
Allstate$1,950$3,899
Amica$1,969$3,938
Farmers$2,392$4,784
USAA$465$929

Cheapest auto insurance after a DUI: Progressive

Progressive offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $1,847 per year, making it the cheapest option amongst all the companies analyzed.

A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.

Here are the cheapest car insurance companies for drivers with a DUI in Norwalk.

CompanyAverage 6 month premiumAverage annual premium
Progressive$924$1,847
State Farm$938$1,875
Kemper$1,239$2,478
Allstate$1,562$3,123
Nationwide$1,954$3,908
GEICO$2,048$4,096
Farmers$2,700$5,399
Amica$5,357$10,714
USAA$626$1,252

Cheapest for drivers with a speeding ticket: GEICO

GEICO offers the cheapest car insurance at $1,375 in Norwalk for drivers with speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.

Here are the companies offering cheap auto insurance for drivers with speeding ticket.

CompanyAverage 6 month premiumAverage annual premium
GEICO$688$1,375
State Farm$938$1,875
Progressive$1,001$2,002
Kemper$1,221$2,441
Farmers$1,420$2,840
Nationwide$1,954$3,908
Amica$2,371$4,742
USAA$359$717

Car insurance discounts for Norwalk drivers

The biggest car insurance discount available in Norwalk is for the years insured category at 39.64%, offered by Travelers.

Car insurance is essential for drivers in Norwalk, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to Norwalk drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsAllstate$2,8670.03%$1
Air BagsAmica Mutual$2,1520.79%$17
Air BagsGEICO$1,1870.67%$8
Air BagsNationwide$1,4870.94%$14
Anti-Theft DeviceAmica Mutual$2,1521.00%$22
Anti-Theft DeviceGEICO$1,1870.51%$6
Anti-Theft DeviceKemper Insurance$1,5720.19%$3
Anti-Theft DeviceThe Hanover$5,4862.30%$126
Daily CommuteAmica Mutual$2,15212.08%$260
Daily CommuteGEICO$1,1876.49%$77
Daily CommuteTravelers$1,5041.53%$23
Days Advanced PurchaseAllstate$2,86718.52%$531
Days Advanced PurchaseAmica Mutual$2,1521.02%$22
Days Advanced PurchaseKemper Insurance$1,5724.07%$64
Days Advanced PurchaseNationwide$1,4877.26%$108
Days Advanced PurchaseProgressive$1,6122.36%$38
Days Advanced PurchaseThe Hanover$5,4863.92%$215
Days Advanced PurchaseTravelers$1,5049.84%$148
Days Per Week DrivenGEICO$1,1875.76%$68
Days Per Week DrivenTravelers$1,5041.53%$23
EducationGEICO$1,1879.60%$114
EducationProgressive$1,6120.62%$10
Electronic Funds TransferAllstate$2,8674.64%$133
Electronic Funds TransferAmica Mutual$2,1521.91%$41
Electronic Funds TransferKemper Insurance$1,5724.26%$67
Electronic SignatureProgressive$1,6127.63%$123
HomeownerAllstate$2,86715.35%$440
HomeownerAmica Mutual$2,1522.83%$61
HomeownerGEICO$1,1879.60%$114
HomeownerKemper Insurance$1,5722.16%$34
HomeownerProgressive$1,6125.52%$89
HomeownerThe Hanover$5,4865.71%$313
Lower Annual MileageState Farm$1,5299.48%$145
Loyalty - Years Renewal With CompanyAmica Mutual$2,15212.62%$272
Loyalty - Years Renewal With CompanyNationwide$1,4875.11%$76
Loyalty - Years Renewal With CompanyProgressive$1,6120.68%$11
Loyalty - Years Renewal With CompanyState Farm$1,52922.83%$349
Marital StatusAllstate$2,8671.05%$30
Marital StatusKemper Insurance$1,5725.15%$81
Marital StatusNationwide$1,4877.06%$105
Marital StatusProgressive$1,6129.43%$152
Marital StatusThe Hanover$5,4862.04%$112
Marital StatusTravelers$1,5042.06%$31
Multi PolicyAllstate$2,86712.38%$355
Multi PolicyAmica Mutual$2,15213.60%$293
Multi PolicyGEICO$1,18711.69%$139
Multi PolicyKemper Insurance$1,5727.16%$113
Multi PolicyNationwide$1,4876.04%$90
Multi PolicyProgressive$1,6129.46%$153
Multi PolicyState Farm$1,52910.29%$157
Multi PolicyThe Hanover$5,48615.16%$832
Multi PolicyTravelers$1,5045.84%$88
Paperless/Electornic DocumentsAllstate$2,8677.43%$213
Paperless/Electornic DocumentsKemper Insurance$1,5720.19%$3
Paperless/Electornic DocumentsNationwide$1,4873.63%$54
Paperless/Electornic DocumentsProgressive$1,6120.62%$10
Payment TypeAllstate$2,8679.49%$272
Payment TypeAmica Mutual$2,1529.29%$200
Payment TypeKemper Insurance$1,5724.26%$67
Payment TypeThe Hanover$5,4866.87%$377
Payment TypeTravelers$1,5044.72%$71
Primary UseAllstate$2,8678.30%$238
Primary UseAmica Mutual$2,15218.10%$390
Primary UseGEICO$1,18713.02%$155
Primary UseKemper Insurance$1,5727.12%$112
Primary UseNationwide$1,4877.26%$108
Primary UseState Farm$1,52911.51%$176
Primary UseTravelers$1,5046.35%$96
ProfessionGEICO$1,1879.60%$114
ProfessionProgressive$1,6126.51%$105
Purchase StatusAmica Mutual$2,15212.41%$267
Safety DevicesAllstate$2,8670.84%$24
Safety DevicesGEICO$1,1871.68%$20
Safety DevicesProgressive$1,6123.29%$53
TelematicsAllstate$2,8679.28%$266
TelematicsGEICO$1,1879.94%$118
TelematicsNationwide$1,48710.29%$153
TelematicsProgressive$1,6129.62%$155
TelematicsState Farm$1,52914.06%$215
Vehicle OwnershipAmica Mutual$2,15224.30%$523
Years InsuredAllstate$4,47328.74%$1,286
Years InsuredAmica Mutual$6,6928.24%$552
Years InsuredGEICO$1,85321.91%$406
Years InsuredKemper Insurance$1,8717.09%$133
Years InsuredNationwide$3,00337.33%$1,121
Years InsuredProgressive$2,53518.74%$475
Years InsuredTravelers$2,63439.64%$1,044
Years LicensedAmica Mutual$9,22022.93%$2,114
Years LicensedGEICO$2,32215.10%$351
Years LicensedKemper Insurance$2,70630.86%$835
Years LicensedProgressive$3,21017.68%$567
Years LicensedState Farm$1,88816.63%$314
Years LicensedTravelers$3,62624.29%$881

How to get cheap car insurance in Norwalk in 2025

Find affordable car insurance in Norwalk by following these smart strategies:

  • Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
  • Take advantage of discounts offered. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car or paying your premium in full instead of monthly.
  • Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
  • Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents and other violations to keep your insurance costs down.
  • Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
  • Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Norwalk.

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.