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How much is car insurance in Norwalk?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Norwalk is about $21 cheaper than it is in the rest of Connecticut.
On the flip side, drivers in Norwalk may pay higher rates than the rest of the country. Coverage in Norwalk is about $12 more expensive than it is for the rest of the U.S.
Although these are the average car insurance rates in Norwalk, you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
Don't sweat it however, we've broken down the average rate for Norwalk residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may rise again in Norwalk.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. This is true in Norwalk, where women pay around $4 less a month. As you can see in the chart above, car insurance for women in the area typically costs around $91 each month, while men pay $95 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. In Norwalk, a driving record with one accident will usually get you a rate around $98 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $186.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$102|
|15 Years or Older||$79|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Norwalk, with drivers paying around $83 per month for insurance.
Car owners will see a monthly premium of about $97, while SUV owners usually pay around $86 per month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Norwalk are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$96|
Generally speaking, married policyholders will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
While married drivers normally pay less for auto insurance than single drivers, Norwalk bucks this trend as both groups pay around the same rate for coverage.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$108|
Another factor that comes into play is your housing situation. Those who own their own home in Norwalk can expect to pay around $23 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Norwalk, CT
Recent trends in car insurance for Norwalk drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
In Norwalk, the rates for car insurance have been mixed over the past few years. They increased in 2017, fell in 2019, and rose again in 2021, before finishing at $118 in 2022.
How does Norwalk compare to neighboring areas?
Why are car insurance rates in Norwalk different from other areas?
There are numerous factors car insurance companies take into consideration when figuring out how much to charge for coverage. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Total number of drivers
- Access to off-street parking
- Local crime rates
- Road Safety (frequency of car accidents)
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Norwalk?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com can handle all of this for you. Put in your ZIP Code below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies that offer plans in Norwalk.
Norwalk Insurance FAQs
What factors affect car insurance quotes in Norwalk?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Norwalk different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Norwalk?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Norwalk?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Norwalk or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.