Compare Waterbury, CT Car Insurance Rates [2023]
Car insurance in Waterbury, CT averages $483 a month. Waterbury, Connecticut car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Waterbury car insurance rates, compare quotes from the top car insurance companies in Waterbury, CT.
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Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest ZIP code in Waterbury is 6702
- Average car insurance rates in Waterbury, CT are $5,790/year
- The cheapest car insurance company in Waterbury is USAA
If you need to buy Waterbury, Connecticut car insurance, the options can be confusing. Everything you need to know about car insurance in Waterbury, CT is right here.
You’ll find Waterbury car insurance rates, the cheapest Waterbury, CT car insurance companies, and information on Connecticut car insurance laws. You can also compare Waterbury, Connecticut car insurance rates to Waterbury car insurance rates, Meriden car insurance rates, and New Haven car insurance rates.
Ready to find affordable Waterbury, CT car insurance today? Enter your ZIP code for fast, free Waterbury car insurance quotes.
Cheapest Waterbury, CT Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Waterbury, CT car insurance rates? Every Waterbury, Connecticut car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $4,289 | $4,223 | $3,965 | $4,248 | $13,055 | $15,407 | $4,461 | $4,649 |
| Geico | $3,243 | $3,251 | $3,007 | $3,031 | $7,516 | $8,859 | $3,122 | $3,021 |
| Liberty Mutual | $3,935 | $4,297 | $3,029 | $3,754 | $19,600 | $22,139 | $3,969 | $4,336 |
| Nationwide | $3,083 | $3,115 | $2,768 | $2,903 | $8,631 | $10,956 | $3,585 | $3,858 |
| Progressive | $3,372 | $3,128 | $2,866 | $2,994 | $14,201 | $15,762 | $3,835 | $4,297 |
| State Farm | $2,320 | $2,320 | $2,137 | $2,137 | $7,141 | $9,006 | $2,613 | $2,993 |
| Travelers | $2,413 | $2,448 | $2,413 | $2,408 | $19,559 | $32,013 | $2,626 | $2,929 |
| USAA | $2,240 | $2,214 | $2,093 | $2,064 | $7,139 | $7,477 | $3,009 | $3,112 |
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Minimum Car Insurance in Waterbury, CT
Every driver must carry the minimum car insurance in Waterbury, CT. Take a look at the Connecticut car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $20,000 minimum |
Cheapest Waterbury, CT Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Waterbury, CT. Compare credit history car insurance rates in Waterbury from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $8,674 | $6,523 | $5,164 |
| Geico | $6,383 | $3,841 | $2,920 |
| Liberty Mutual | $11,571 | $7,186 | $5,641 |
| Nationwide | $6,435 | $4,326 | $3,827 |
| Progressive | $6,859 | $6,160 | $5,901 |
| State Farm | $5,347 | $3,413 | $2,741 |
| Travelers | $9,474 | $7,899 | $7,680 |
| USAA | $4,851 | $3,276 | $2,879 |
Cheapest Waterbury, CT Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Waterbury, CT to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,772 | $7,156 | $8,448 | $5,772 |
| Geico | $2,765 | $3,632 | $7,728 | $3,400 |
| Liberty Mutual | $7,119 | $8,916 | $8,834 | $7,662 |
| Nationwide | $3,954 | $5,171 | $5,924 | $4,401 |
| Progressive | $5,376 | $7,818 | $5,665 | $6,368 |
| State Farm | $3,564 | $3,923 | $3,923 | $3,923 |
| Travelers | $6,712 | $7,278 | $10,615 | $8,799 |
| USAA | $2,826 | $3,557 | $5,466 | $2,826 |
Cheapest Waterbury, CT Car Insurance for Teen Drivers
Teen car insurance in Waterbury, CT can be expensive. Take a look at rates from the top car insurance companies in Waterbury for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $13,055 | $15,407 |
| Geico | $7,516 | $8,859 |
| Liberty Mutual | $19,600 | $22,139 |
| Nationwide | $8,631 | $10,956 |
| Progressive | $14,201 | $15,762 |
| State Farm | $7,141 | $9,006 |
| Travelers | $19,559 | $32,013 |
| USAA | $7,139 | $7,477 |
Cheapest Waterbury, CT Car Insurance for Seniors
Take a look at Waterbury, CT senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,965 | $4,248 |
| Geico | $3,007 | $3,031 |
| Liberty Mutual | $3,029 | $3,754 |
| Nationwide | $2,768 | $2,903 |
| Progressive | $2,866 | $2,994 |
| State Farm | $2,137 | $2,137 |
| Travelers | $2,413 | $2,408 |
| USAA | $2,093 | $2,064 |
Cheapest Waterbury, CT Car Insurance Rates After a DUI
A DUI in Waterbury, CT increases car insurance rates. Compare Waterbury, Connecticut DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $8,448 |
| Geico | $7,728 |
| Liberty Mutual | $8,834 |
| Nationwide | $5,924 |
| Progressive | $5,665 |
| State Farm | $3,923 |
| Travelers | $10,615 |
| USAA | $5,466 |
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Cheapest Waterbury, CT Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Waterbury, CT by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $6,787 | $6,787 |
| Geico | $4,314 | $4,449 |
| Liberty Mutual | $8,133 | $8,133 |
| Nationwide | $4,862 | $4,862 |
| Progressive | $6,307 | $6,307 |
| State Farm | $3,736 | $3,931 |
| Travelers | $8,351 | $8,351 |
| USAA | $3,624 | $3,713 |
Cheapest Waterbury, CT Car Insurance Rates by ZIP Code
Waterbury car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Waterbury, CT.
| ZIP Code | Average Annual Rates |
|---|---|
| 6702 | $5,850 |
| 6704 | $5,850 |
| 6705 | $5,850 |
| 6706 | $5,850 |
| 6708 | $5,850 |
| 6710 | $5,850 |
The Best Cheap Car Insurance Companies in Waterbury, CT
Take a look at a side-by-side comparison of the top car insurance companies in Waterbury, CT to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,787 |
| Geico | $4,381 |
| Liberty Mutual | $8,133 |
| Nationwide | $4,862 |
| Progressive | $6,307 |
| State Farm | $3,833 |
| Travelers | $8,351 |
| USAA | $3,668 |
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Category Winners: Cheapest Car Insurance in Waterbury, Connecticut
Find the cheapest car insurance companies in Waterbury, CT for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
Cheapest Waterbury, CT Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Waterbury car insurance rates. Find the cheapest Waterbury, CT car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,282 | $6,772 | $7,308 |
| Geico | $3,970 | $4,306 | $4,868 |
| Liberty Mutual | $7,771 | $8,059 | $8,568 |
| Nationwide | $4,877 | $4,898 | $4,813 |
| Progressive | $5,798 | $6,241 | $6,881 |
| State Farm | $3,570 | $3,840 | $4,089 |
| Travelers | $7,614 | $8,282 | $9,157 |
| USAA | $3,411 | $3,672 | $3,922 |
What affects car insurance rates in Waterbury, Connecticut?
What factors can have an impact on Waterbury, CT car insurance? There are several reasons why Waterbury car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Waterbury, Connecticut.
Commute Time in Waterbury
The more time you spend in your car the higher the risk of an accident. The average commute length in Waterbury, CT is 25.4 minutes according to City-Data.
Traffic in Waterbury
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Waterbury, CT traffic data from INRIX ranks Waterbury as the 703rd-most congested in the world.
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Compare Car Insurance Quotes in Waterbury, CT
Ready to find affordable Waterbury, Connecticut car insurance today? Enter your ZIP code for fast, free Waterbury, CT car insurance quotes.
Frequently Asked Questions
How can I compare car insurance rates in Waterbury, CT?
To compare car insurance rates in Waterbury, CT, research providers, request quotes, compare coverage options, consider customer reviews, analyze costs, and make an informed decision.
What factors influence car insurance rates in Waterbury, CT?
Factors include driving record, vehicle details, coverage options, deductibles, age, gender, credit history, mileage, location, and claim history.
Are there specific car insurance requirements in Waterbury, CT?
Yes, Waterbury, CT requires liability insurance with minimums of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 per accident for property damage.
Are there discounts available to lower car insurance rates in Waterbury, CT?
Yes, discounts may include good driver, bundling, safety features, good student, defensive driving course, low mileage, and affiliation discounts.
Can my credit score affect my car insurance rates in Waterbury, CT?
Yes, credit scores can impact car insurance rates, as some insurers use credit-based insurance scores to assess claim likelihood.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.