Compare Waterbury, VT Car Insurance Rates (2021)

Car insurance in Waterbury, VT averages $273 a month. Waterbury, Vermont car insurance requirements are 25/50/10, 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, VT.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 car insurance company in Waterbury is USAA
  • The cheapest car insurance company in Waterbury for teen drivers is USAA
  • Average car insurance rates in Waterbury, VT are $3,278/year

If you need to buy Waterbury, Vermont car insurance, the options can be confusing. Everything you need to know about car insurance in Waterbury, VT is right here.

You’ll find Waterbury car insurance rates, the cheapest Waterbury, VT car insurance companies, and information on Vermont car insurance laws. You can also compare Waterbury, Vermont car insurance rates to Newport car insurance rates, Bellows Falls car insurance rates, and South Burlington car insurance rates.

Ready to find affordable Waterbury, VT car insurance today? Enter your ZIP code for fast, free Waterbury car insurance quotes.

Cheapest Waterbury, VT Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Waterbury, VT car insurance rates? Every Waterbury, Vermont 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, Vermont

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 $2,073 $2,073 $1,978 $1,978 $4,970 $6,567 $2,357 $2,588
GEICO $1,647 $1,531 $1,620 $1,476 $3,768 $4,394 $1,389 $1,358
Liberty Mutual $1,868 $2,020 $1,650 $1,852 $7,933 $8,821 $2,139 $2,266
Nationwide $1,478 $1,505 $1,328 $1,403 $3,596 $4,581 $1,694 $1,826
Progressive $3,563 $3,539 $3,188 $3,203 $11,012 $12,055 $3,644 $3,880
State Farm $2,814 $2,814 $2,513 $2,513 $8,322 $10,683 $3,137 $3,491
USAA $1,164 $1,169 $1,085 $1,078 $3,773 $3,953 $1,593 $1,665

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Minimum Car Insurance in Waterbury, VT

Every driver must carry the minimum car insurance in Waterbury, VT. Take a look at the Vermont car insurance requirements.

Minimum Required Car Insurance Coverage in Waterbury, Vermont

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Waterbury, VT Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Waterbury, VT. 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, Vermont

Insurance Company Poor Fair Good
Allstate $3,769 $2,879 $2,570
GEICO $3,475 $1,829 $1,139
Liberty Mutual $5,341 $3,055 $2,309
Nationwide $2,512 $2,084 $1,933
Progressive $6,336 $5,307 $4,888
State Farm $7,981 $3,401 $2,225
USAA $2,799 $1,668 $1,338

Cheapest Waterbury, VT 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, VT to rates for a clean record with top companies.

Annual Waterbury, Vermont Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,550 $3,363 $3,468 $2,910
GEICO $1,382 $2,302 $3,204 $1,703
Liberty Mutual $3,140 $3,756 $3,987 $3,392
Nationwide $1,741 $2,237 $2,814 $1,913
Progressive $4,644 $6,723 $5,217 $5,458
State Farm $4,127 $4,944 $4,536 $4,536
USAA $1,474 $1,860 $2,766 $1,639

Cheapest Waterbury, VT Car Insurance for Teen Drivers

Teen car insurance in Waterbury, VT 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, Vermont

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $4,970 $6,567
GEICO $3,768 $4,394
Liberty Mutual $7,933 $8,821
Nationwide $3,596 $4,581
Progressive $11,012 $12,055
State Farm $8,322 $10,683
USAA $3,773 $3,953

Cheapest Waterbury, VT Car Insurance for Seniors

Take a look at Waterbury, VT 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, Vermont

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,978 $1,978
GEICO $1,620 $1,476
Liberty Mutual $1,650 $1,852
Nationwide $1,328 $1,403
Progressive $3,188 $3,203
State Farm $2,513 $2,513
USAA $1,085 $1,078

Cheapest Waterbury, VT Car Insurance Rates After a DUI

A DUI in Waterbury, VT increases car insurance rates. Compare Waterbury, Vermont DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Waterbury, Vermont

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,468
GEICO $3,204
Liberty Mutual $3,987
Nationwide $2,814
Progressive $5,217
State Farm $4,536
USAA $2,766

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Cheapest Waterbury, VT Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Waterbury, VT by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Waterbury, Vermont

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,014 $3,131
GEICO $2,118 $2,178
Liberty Mutual $3,569 $3,569
Nationwide $2,176 $2,176
Progressive $5,510 $5,510
State Farm $4,392 $4,679
USAA $1,912 $1,958

The Best Cheap Car Insurance Companies in Waterbury, VT

Take a look at a side-by-side comparison of the top car insurance companies in Waterbury, VT to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Waterbury, Vermont

Insurance Company Average Annual Rates
Allstate $3,073
GEICO $2,148
Liberty Mutual $3,569
Nationwide $2,176
Progressive $5,510
State Farm $4,536
USAA $1,935

Category Winners: Cheapest Car Insurance in Waterbury, Vermont

Find the cheapest car insurance companies in Waterbury, VT for each category right here.

Best Annual Car Insurance Rates by Company in Waterbury, Vermont

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Cheapest Waterbury, VT 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, VT car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Waterbury, Vermont

Insurance Company Low Medium High
Allstate $3,011 $3,068 $3,139
GEICO $2,074 $2,149 $2,221
Liberty Mutual $3,366 $3,559 $3,781
Nationwide $2,230 $2,183 $2,115
Progressive $5,249 $5,441 $5,841
State Farm $4,301 $4,558 $4,748
USAA $1,876 $1,932 $1,997

What affects car insurance rates in Waterbury, Vermont?

What factors can have an impact on Waterbury, VT 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, Vermont.

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, VT is 19.7 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, VT traffic data from INRIX ranks Waterbury as the 703rd-most congested in the world.

Compare Car Insurance Quotes in Waterbury, VT

Ready to find affordable Waterbury, Vermont car insurance today? Enter your ZIP code for fast, free Waterbury, VT car insurance quotes.

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