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Cheap Auto Insurance in Norton, OH

Norton drivers pay an average of $1,191/year β€” $580 less than the national average. With 130 crashes per year and a 2.0 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $147/year.

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RM
Written & reviewed by Richard Mohn Licensed Insurance Agent & Founder, Rate Reduction Insurance
πŸŽ–οΈ U.S. Military Veteran πŸ“‹ Licensed in 50 States πŸ• 15+ Years Experience πŸ“… Updated: April 10, 2026

Norton, OH Auto Insurance Rates by Carrier (2026)

Estimated full coverage auto insurance rates for Norton, OH from top carriers. Rates are adjusted for Norton's 130 annual crashes, 2.0 per 1,000 theft rate, and local risk factors:

Insurance Company6-Month PremiumMonthly Cost
GEICO ⭐$451$75/mo
Erie Insurance$476$79/mo
Progressive$507$85/mo
State Farm$559$93/mo
Allstate$678$113/mo

Estimates based on 2026 rate filings for ZIP 43356. GEICO is cheapest at ~$75/mo. Actual rates vary by driver profile and exact Norton location.

Norton Driving Safety & Insurance Stats

These Norton-specific safety and risk statistics directly impact what you pay for auto insurance:

$1,191
Avg. Annual Premium
130
Crashes Per Year
1
Fatal Crashes/Year
33
DUI Arrests/Year
2.0 per 1,000
Vehicle Thefts
9%
Uninsured Drivers
22.6 min
Avg. Commute
12K
Population

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Auto Insurance in Norton: What Drives Your Rate

Norton is a smaller city in Ohio with a population of 11,673. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as lake-effect snow, severe thunderstorms, tornadoes, flooding, ice, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Norton.

Key Risk Factors in Norton

For official Ohio insurance regulations, visit the Ohio Department of Insurance. For driver licensing, see the Ohio BMV.

Auto Insurance Rates by ZIP Code in Norton, OH

Your specific ZIP code within Norton can swing your premium by hundreds of dollars. Here's how rates compare across Norton neighborhoods:

ZIP CodeNeighborhoodAvg. AnnualMonthly
43365Norton South Side$1,101/yr$92/mo
43361Norton North Side$1,155/yr$96/mo
43364Norton West Side$1,177/yr$98/mo
43364Norton East Side$1,238/yr$103/mo
43356Norton Downtown/Central$1,291/yr$108/mo

The cheapest ZIP is 43365 (Norton South Side) at $1,101/yr. The most expensive is 43356 (Norton Downtown/Central) at $1,291/yr β€” a $190/year difference for the same driver.

πŸŽ–οΈ Live in Norton South Side or Norton Downtown/Central?

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Auto Insurance Rates by Age in Norton, OH

Age is one of the biggest rating factors in Norton. Here's how rates differ by age group:

Age GroupAvg. AnnualMonthlyvs. City Avg
Teen (16-19)$2,501/yr$208/mo+110% vs avg
Young Adult (20-25)$1,667/yr$139/mo+40% vs avg
Adult (26-35)$1,191/yr$99/mo0% vs avg
Mid-Career (36-50)$1,048/yr$87/mo-12% vs avg
Senior (51-65)$989/yr$82/mo-17% vs avg
65+$1,060/yr$88/mo-11% vs avg

Teens in Norton pay an average of $2,501/year β€” 110% more than the city average. The best rates go to Senior (51-65) drivers at $989/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.

How to Get the Cheapest Auto Insurance in Norton

Ohio Auto Insurance Guides

πŸ“„ Cheap Car Insuranceβ€Ί πŸ“„ Minimum Coverageβ€Ί πŸ“„ Full Coverageβ€Ί πŸ“„ SR-22 Insuranceβ€Ί πŸ“„ No Deposit Insuranceβ€Ί πŸ“„ Liability Insuranceβ€Ί πŸ“„ Collision Insuranceβ€Ί πŸ“„ Comprehensive Insuranceβ€Ί πŸ“„ Uninsured Motorist Insuranceβ€Ί πŸ“„ PIP Insuranceβ€Ί πŸ“„ Gap Insuranceβ€Ί πŸ“„ Non-Owner Car Insuranceβ€Ί πŸ“„ Teen Driver Insuranceβ€Ί πŸ“„ Senior Driver Insuranceβ€Ί πŸ“„ Military Car Insuranceβ€Ί πŸ“„ High Risk Auto Insuranceβ€Ί πŸ“„ First-Time Driver Insuranceβ€Ί πŸ“„ Insurance After DUIβ€Ί πŸ“„ Bad Credit Car Insuranceβ€Ί πŸ“„ Multi-Car Insuranceβ€Ί πŸ“„ Rideshare Insuranceβ€Ί πŸ“„ Car Insurance Discountsβ€Ί πŸ“„ Bundle Home & Autoβ€Ί πŸ“„ Pay-Per-Mile Insuranceβ€Ί πŸ“„ Same-Day Car Insuranceβ€Ί πŸ“„ Month-to-Month Insuranceβ€Ί πŸ“„ Insurance After Accidentβ€Ί πŸ“„ Electric Vehicle Insuranceβ€Ί

More Ohio Cities

Compare auto insurance rates in other Ohio cities:

Norton, OH Auto Insurance FAQ

How much is car insurance in Norton, OH?
The average annual auto insurance premium in Norton is $1,191, which is $580 below the national average. Rates range from $1,101/yr in Norton South Side (ZIP 43365) to $1,291/yr in Norton Downtown/Central (ZIP 43356). Your driving record, age, vehicle, and exact ZIP code all affect your rate.
Who has the cheapest auto insurance in Norton?
GEICO typically offers the cheapest full coverage in Norton at around $75/month. However, with 130 annual crashes and a 9% uninsured driver rate in Norton, rates vary widely β€” comparing quotes from multiple companies is essential. Call (888) 217-6781 for a free comparison.
What auto insurance is required in Norton, OH?
Norton follows Ohio state law requiring minimum liability of 25/50/25. However, with 130 crashes per year and 1 fatal crashes annually in Norton, experts recommend at least 50/100/50 coverage plus comprehensive and collision to protect against Norton's risks including lake-effect snow, severe thunderstorms, tornadoes, flooding, ice.
Can I get a free auto insurance quote for Norton?
Yes! Call Rate Reduction Insurance at (888) 217-6781 for a free, no-obligation quote. Our licensed agents compare 5+ carriers to find the cheapest rate for your specific Norton ZIP code β€” whether you're in Norton South Side or Norton Downtown/Central. Most quotes take under 2 minutes.
Why is car insurance affordable in Norton?
Norton has 130 crashes per year, 33 DUI arrests annually, and a vehicle theft rate of 2.0 per 1,000. Despite these factors, Norton's 22.6 min average commute and lower traffic density help keep rates manageable compared to larger metro areas. Comparing quotes regularly is the best way to save.
What ZIP code has the cheapest car insurance in Norton?
ZIP code 43365 (Norton South Side) tends to have the lowest rates in Norton at around $1,101/year. The most expensive area is Norton Downtown/Central (ZIP 43356) at $1,291/year β€” a difference of $190/year for the same driver profile.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

  1. Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
  2. Ohio Department of Insurance β€” official state insurance regulator for Ohio.
  3. National Association of Insurance Commissioners (NAIC) β€” national insurance data and consumer resources.
  4. Ohio BMV β€” Ohio vehicle registration and licensing requirements.
  5. Insurance Information Institute (III) β€” independent insurance education and research.
  6. National Highway Traffic Safety Administration (NHTSA) β€” crash and safety statistics.
  7. NHTSA FARS Database β€” fatal crash and DUI arrest data by state and locality.

Stop Overpaying for Auto Insurance in Norton

Norton drivers can save up to $147/year. ZIP 43365 (Norton South Side) has the lowest rates starting at $1,101/yr.

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