Compare Waterbury, CT Car Insurance Rates (2021)

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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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • 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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Waterbury, Connecticut

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.

Minimum Required Car Insurance Coverage in Waterbury, Connecticut

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.

Annual Car Insurance Rates by Credit Score in Waterbury, Connecticut

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.

Annual Waterbury, Connecticut Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates for Teen Drivers in Waterbury, Connecticut

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.

Annual Car Insurance Rates for Senior Drivers in Waterbury, Connecticut

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.

Annual Car Insurance Rates After a DUI in Waterbury, Connecticut

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.

Annual Car Insurance Rates by Commute Length in Waterbury, Connecticut

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.

Annual Car Insurance Rates by ZIP Code in Waterbury, Connecticut

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.

Average Annual Car Insurance Rates by Company in Waterbury, Connecticut

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.

Best Annual Car Insurance Rates by Company in Waterbury, Connecticut

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.

Annual Car Insurance Rates by Coverage Level in Waterbury, Connecticut

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.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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