Car insurance in Norwalk, CT costs an average of $1,841 per year for full coverage and $810 for minimum coverage. To help pay for expenses in the event of an accident, every driver in Norwalk must have car insurance. And with nearly 2,500 car accidents reported in the city in 2020, car insurance is an important purchase.
Auto insurance is available in a variety of ways for Norwalk residents. Some providers may be more expensive than others. Bankrate’s insurance editors looked at several factors when deciding which insurer offered the best affordable car insurance in Norwalk. This included coverage, price, discounts, coverage, availability, and third-party ratings. These are the top and most affordable Norwalk car insurance companies.
Amica
J.D. rates Amica as the best overall customer satisfaction. Power for the New England region. Amica is well-known for its outstanding customer service and handling of claims. Amica also offers affordable rates with an average premium of $1,136 for full coverage per year
Amica is an excellent choice for Norwalk drivers 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.
USAA
USAA is another company that consistently receives high ratings from J.D. Power. USAA is an excellent choice if you’re looking for insurance that offers great customer service, low rates, and broad coverage options. The only catch is that USAA only sells insurance to active duty and retired military members and their eligible family members.
You can also get discounts for students and safe drivers. USAA offers several valuable additional coverages such as new car replacement and accident forgiveness.
Progressive
Progressive’s auto insurance policies are more expensive than average. They have a $2,573 full coverage premium and a $1,083 minimum coverage premium. Progressive offers the most discounts of any insurance company. You may be eligible for multiple discounts, which could help to reduce your rate.
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.
State Farm
State Farm, which holds over 16% market share, is the largest auto insurance company in the United States. State Farm is a popular choice for drivers due to its affordable rates, online resources, and discounts. State Farm is the only company that offers 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%. You can also check if you can lower your premium by bundling your policies, not having to file claims, and having safety equipment in your vehicle.
Norwalk has the lowest car insurance
The average cost of car insurance in Norwalk is slightly more expensive than the United States national average rate. An average American pays $1674 annually for full coverage insurance, and $563 for minimum coverage insurance. Each driver will pay a different rate depending on their credit score and age.
Below is a table that shows the best Norwalk car insurance options based on market share.
These five providers may offer Norwalk rates that are lower than average, but they are not all created equal. USAA, for example, only offers insurance to military personnel, while the four other companies can offer insurance to everyone. J.D. rates USAA, Amica and Geico as above-average. State Farm is not included in the average ratings. Nationwide was not rated for power in the New England region.
The coverages offered by these providers can vary greatly. Geico and State Farm have limited coverage options, while Nationwide, Amica, and USAA offer extensive coverages and a variety of endorsements. You might pay slightly more if you don’t need as much coverage as you would like to have.
Norwalk insurance requirements
Norwalk requires car insurance. You must have minimum coverage for your vehicle if it is registered in Connecticut. 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 individual
- $50k bodily injury liability per accident
- $25,000 per accident property damage liability
- $25,000 bodily injury to a motorist who is not covered by insurance
- $50,000 bodily injury to an uninsured motorist per accident
- $25,000 bodily injury to a motorist who is not covered by insurance.
- $50,000 bodily injury to a motorist who is not covered by insurance.
Drivers who are looking for the cheapest car insurance in Connecticut might be tempted to purchase minimum coverage insurance. There is no guarantee that the minimum coverage insurance will cover all costs of an accident. Drivers who drive a leased vehicle or finance vehicle must have full coverage until the loan is paid off.
Norwalk car insurance discount
Many Norwalk car insurance companies offer discounts that can save drivers money. Here are some of the most common car insurance discounts in Norwalk:
- Discount for policy bundling: Drivers who combine a home and an auto insurance policy with one provider are usually eligible for discounts on their premium.
- Discounts for students: Insurance companies often offer discounts to students who have a good GPA.
- Discount on vehicle safety equipment: You can save money if your car comes with safety features like anti-lock brakes and anti-theft devices.
- Defensive driver discount: A safe driver training course or approved defensive driver course can help reduce your car insurance premium.
Questions frequently asked
Which is the best auto insurance company?
The best car insurance company is different for every driver. It all depends on where you live, the type of coverage that you require, how much coverage, and your budget. Compare providers to find the best auto insurance company. Get multiple quotes so you can compare prices and see which one offers the lowest price for what you need.
What is the cost of Norwalk car insurance?
Average car insurance quotes in Norwalk are $1,841 annually for full coverage policies and $810 for minimum coverage policies. Insurance rates can vary depending on your personal factors such as your credit score, claims history and the type of car that you drive.
What is full coverage auto insurance?
Full coverage car insurance covers more than the minimum amount of car insurance. It includes additional types of car insurance coverage like collision and comprehensive and often comes with higher liability limits.
How can I get the best car insurance at the lowest price?
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. Comparing quotes from multiple carriers will allow you to do more than compare price. It is possible to compare the coverages, discounts and policy features of each company.