Best cheap car insurance in Norwalk

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The average annual cost of car insurance in Norwalk, CT is $1,841 for a full coverage policy and $810 for a minimum coverage policy. Every driver in Norwalk is required to carry car insurance to help cover expenses in case of an accident. And with nearly 2,500 car accidents reported in the city in 2020, car insurance is an important purchase.

Norwalk drivers have dozens of options when it comes to auto insurance. However, some providers are more expensive than others. Bankrate’s team of insurance editors searched for the best cheap car insurance in Norwalk by examining several factors of the largest carriers by market share in the area, including price, discounts, coverage, availability and third-party ratings. Based on these factors, these are the best and cheapest car insurance companies in Norwalk.

Best car insurance companies in Norwalk

The best car insurance companies in Norwalk are Amica, USAA, Progressive and State Farm. These four providers offer reasonable rates, generous discounts, unique coverage options, impressive financial strength and excellent ratings from third-party research firms. They also receive high scores for customer satisfaction in J.D. Power’s 2021 U.S. Auto Insurance Study for the New England region and high financial strength ratings from AM Best.

Insurance company J.D. Power customer satisfaction score Average annual premium for minimum coverage Average annual premium for full coverage
Amica 867 / 1,000 $404 $1,136
USAA 887 / 1,000 $484 $1,253
Progressive 840 / 1,000 $1,083 $2,573
State Farm 855 / 1,000 $643 $1,479

*USAA is not eligible for official ranking with J.D. Power due to eligibility restrictions


Amica earns the top overall customer satisfaction rating from J.D. Power for the New England region. Amica is known for its highly-rated customer service and claims handling. In addition, Amica offers affordable rates, with an average full coverage premium of $1,136 per year.

Amica is a great choice for Norwalk drivers who are looking for a low-cost policy. The company offers a wide variety of discounts, including savings for being a loyal customer, being a homeowner, being a good student, bundling two or more policies and more. Plus, Amica offers dividend policies, where you can recoup up to 20% of your annual premium.

Learn more: Amica Insurance review


USAA is another insurance company that gets consistently high ratings from J.D. Power. If you are looking for an insurance company with good customer service, low rates and generous coverage options, USAA is a great pick. The only catch is that USAA only sells insurance to active duty and retired military members and their eligible family members.

Drivers can also take advantage of a variety of discounts for students, safe drivers, garaging your vehicle on a military base, driving infrequently and bundling policies. USAA also offers a few valuable add-on coverages, like accident forgiveness and new car replacement.

Learn more: USAA Insurance review


Progressive’s car insurance policies are priced above average, with a full coverage premium of $2,573 and a minimum coverage premium of $1,083. The company offers more discounts than almost any other insurance company on the market. If you can qualify for more than one, you may be able to lower your rate significantly.

Progressive has discounts for having continuous insurance, teen drivers, distant students, homeowners, paying in full, buying a policy online, enrolling in paperless billing and much more. In addition, drivers can sign up for Progressive’s Snapshot safe driver program, opt into the deductible savings bank and use the Name Your Price Tool to see policies within your budget.

Learn more: Progressive Insurance review

State Farm

State Farm is the largest car insurance company in the country, with over 16% of the total market share. Many drivers choose State Farm because of the affordable rates, online tools and resources and discounts. State Farm is one of the only car insurance companies that offers two safe driver savings programs.

With State Farm, drivers under 25-years-old can enroll in the Steer Clear program to save up to 15% on their premium. More experienced drivers who are over 25-years-old can enroll in the Drive Safe & Save program for a bigger discount of up to 30%. Drivers can also see if they can get a lower premium by bundling their policies, being claims-free, having safety equipment in their vehicle and more.

Learn more: State Farm Insurance review

Cheapest car insurance in Norwalk

The average cost of car insurance in Norwalk is slightly more expensive than the United States national average rate. The average American pays $1,674 per year for full coverage insurance and $563 per year for minimum coverage insurance. However, every driver pays a slightly different rate based on factors like their age and credit score.

The table below includes the cheapest car insurance options in Norwalk based on market share:

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Amica $404 $1,136
Geico $416 $1,015
USAA $484 $1,253
State Farm $643 $1,479
Nationwide $647 $1,276

Although these five providers offer below-average rates in Norwalk, they are not created equal. For example, USAA only serves drivers in the military, whereas the other four companies offer insurance to anyone. In terms of ratings, USAA, Amica, Geico and State Farm are rated above average by J.D. Power in the New England region, and Nationwide was not rated at all.

Additionally, the coverages vary significantly between these providers. For example, Geico and State Farm offer limited options for coverage, but Nationwide, Amica and USAA offer a long list of coverages, plus a number of endorsements. Unless you need the bare minimum coverage, you might have to pay slightly more to get a more comprehensive policy.

Norwalk insurance requirements

Car insurance in Norwalk is legally required. If you own a vehicle that is registered in the state of Connecticut, you must carry a minimum amount of car insurance. Norwalk’s car insurance requirement is abbreviated as 25/50/25, which includes the following personal liability and uninsured/underinsured motorist coverages:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $25,000 uninsured motorist bodily injury per person
  • $50,000 uninsured motorist bodily injury per accident
  • $25,000 underinsured motorist bodily injury per person
  • $50,000 underinsured motorist bodily injury per accident

Drivers who are looking for the cheapest car insurance in Connecticut might be tempted to purchase minimum coverage insurance. However, there is no guarantee that minimum coverage insurance will cover the full cost of an accident. Also, drivers who have a leased or financed vehicle are usually required to carry full coverage insurance until the loan is paid off.

Car insurance discounts in Norwalk

Most car insurance companies in Norwalk offer discounts that can help drivers save money on their policy. Here are some of the most common car insurance discounts in Norwalk:

  • Policy bundling discount: Drivers who bundle a home and auto insurance policy with the same provider can usually qualify for discounts on their premium.
  • Good student discount: Many insurance companies offer discounts for good students who maintain a certain GPA.
  • Vehicle safety equipment discount: If your car has safety features, like anti-lock brakes or an anti-theft device, you can probably save money on your policy.
  • Defensive driver discount: Taking an approved defensive driver or safe driver training course can usually help lower your car insurance premium.

Frequently asked questions

What is the best car insurance company?

The best car insurance company is different for every driver. It depends on where you live, what type of coverage you need, how much coverage you need, your budget and more. To find the best car insurance company for you, compare providers and get multiple quotes to see which carrier can offer the lowest price for the type and amount of coverage you need.

How much does car insurance in Norwalk cost?

The average car insurance quote in Norwalk is $1,841 per year for a full coverage policy and $810 per year for a minimum coverage policy. However, keep in mind that insurance rates vary based on personal factors like your age, credit score, claims history, the type of car you drive and your annual mileage.

What is full coverage car insurance?

Full coverage car insurance includes more than just the minimum required car insurance. It includes additional types of car insurance coverage like collision and comprehensive and often comes with higher liability limits.

How do I find the cheapest car insurance?

To find the cheapest car insurance in Norwalk, you can use Bankrate’s exclusive search tool to find and compare top auto insurance quotes from today’s best auto insurance providers. Getting quotes from several carriers allows you to compare more than just price. You can also compare each company’s coverages, discounts, policy features and third-party rankings.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.