Compare Waterford, CA Car Insurance Rates (2021)

Car insurance in Waterford, CA averages $300 a month. Waterford, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Waterford car insurance rates, compare quotes from the top car insurance companies in Waterford, CA.

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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

  • Average car insurance rates in Waterford, CA after a DUI are $5,053/year
  • The cheapest car insurance company in Waterford is USAA
  • Average car insurance rates in Waterford, CA are $3,596/year

If you need to buy Waterford, California car insurance, the options can be confusing. Everything you need to know about car insurance in Waterford, CA is right here.

You’ll find Waterford car insurance rates, the cheapest Waterford, CA car insurance companies, and information on California car insurance laws. You can also compare Waterford, California car insurance rates to Sacramento car insurance rates, Long Beach car insurance rates, and San Francisco car insurance rates.

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

Cheapest Waterford, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Waterford, CA car insurance rates? Every Waterford, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Waterford, California

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 $2,950 $2,956 $2,142 $2,165 $8,115 $10,210 $3,771 $4,150
Farmers $2,770 $2,770 $2,497 $2,497 $8,817 $14,441 $3,280 $3,651
GEICO $1,650 $1,651 $1,552 $1,552 $5,009 $5,095 $2,368 $2,421
Liberty Mutual $2,233 $2,113 $2,070 $2,006 $4,812 $5,131 $2,514 $2,542
Nationwide $3,191 $3,048 $2,796 $2,637 $8,067 $8,921 $3,806 $3,759
Progressive $1,715 $1,765 $1,460 $1,731 $4,582 $5,515 $2,469 $2,653
State Farm $3,177 $3,177 $2,838 $2,838 $5,840 $7,249 $3,516 $3,625
Travelers $2,410 $2,335 $2,130 $2,107 $4,950 $5,676 $3,133 $3,067
USAA $1,863 $1,766 $1,816 $1,825 $4,238 $4,275 $2,586 $2,445

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Minimum Car Insurance in Waterford, CA

Every driver must carry the minimum car insurance in Waterford, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Waterford, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Waterford, CA 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 Waterford, CA to rates for a clean record with top companies.

Annual Waterford, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,745 $4,614 $7,269 $3,602
Farmers $3,764 $5,125 $6,384 $5,089
GEICO $1,862 $2,871 $3,605 $2,310
Liberty Mutual $2,540 $3,405 $3,074 $2,692
Nationwide $3,158 $4,051 $6,851 $4,051
Progressive $1,792 $3,046 $3,524 $2,583
State Farm $2,876 $3,431 $6,483 $3,339
Travelers $2,158 $3,503 $4,076 $3,166
USAA $1,729 $2,574 $4,209 $1,894

Cheapest Waterford, CA Car Insurance for Teen Drivers

Teen car insurance in Waterford, CA can be expensive. Take a look at rates from the top car insurance companies in Waterford for teenagers.

Annual Car Insurance Rates for Teen Drivers in Waterford, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,115 $10,210
Farmers $8,817 $14,441
GEICO $5,009 $5,095
Liberty Mutual $4,812 $5,131
Nationwide $8,067 $8,921
Progressive $4,582 $5,515
State Farm $5,840 $7,249
Travelers $4,950 $5,676
USAA $4,238 $4,275

Cheapest Waterford, CA Car Insurance for Seniors

Take a look at Waterford, CA 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 Waterford, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,142 $2,165
Farmers $2,497 $2,497
GEICO $1,552 $1,552
Liberty Mutual $2,070 $2,006
Nationwide $2,796 $2,637
Progressive $1,460 $1,731
State Farm $2,838 $2,838
Travelers $2,130 $2,107
USAA $1,816 $1,825

Cheapest Waterford, CA Car Insurance Rates After a DUI

A DUI in Waterford, CA increases car insurance rates. Compare Waterford, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Waterford, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,269
Farmers $6,384
GEICO $3,605
Liberty Mutual $3,074
Nationwide $6,851
Progressive $3,524
State Farm $6,483
Travelers $4,076
USAA $4,209

Cheapest Waterford, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Waterford, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,103 $5,012
Farmers $4,619 $5,562
GEICO $2,418 $2,906
Liberty Mutual $2,686 $3,169
Nationwide $4,002 $5,054
Progressive $2,481 $2,991
State Farm $3,886 $4,179
Travelers $2,903 $3,549
USAA $2,399 $2,804

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The Best Cheap Car Insurance Companies in Waterford, CA

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

Average Annual Car Insurance Rates by Company in Waterford, California

Insurance Company Average Annual Rates
Allstate $4,557
Farmers $5,090
GEICO $2,662
Liberty Mutual $2,928
Nationwide $4,528
Progressive $2,736
State Farm $4,032
Travelers $3,226
USAA $2,602

Category Winners: Cheapest Car Insurance in Waterford, California

Find the cheapest car insurance companies in Waterford, CA for each category right here.

Best Annual Car Insurance Rates by Company in Waterford, California

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

Cheapest Waterford, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Waterford car insurance rates. Find the cheapest Waterford, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Waterford, California

Insurance Company Low Medium High
Allstate $4,294 $4,600 $4,779
Farmers $4,738 $5,129 $5,404
GEICO $2,419 $2,692 $2,875
Liberty Mutual $2,721 $2,953 $3,109
Nationwide $4,051 $4,610 $4,923
Progressive $2,447 $2,822 $2,939
State Farm $3,637 $4,101 $4,359
Travelers $2,830 $3,309 $3,539
USAA $2,377 $2,649 $2,779

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What affects car insurance rates in Waterford, California?

What factors can have an impact on Waterford, CA car insurance? There are several reasons why Waterford car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Waterford, California.

Car Theft in Waterford

High levels of vehicle theft can make car insurance more expensive. Waterford, CA car theft statistics from the FBI indicate 34 vehicle thefts a year.

Commute Time in Waterford

The more time you spend in your car the higher the risk of an accident. The average commute length in Waterford, CA is 31.5 minutes according to City-Data.

Traffic in Waterford

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Waterford, CA traffic data from INRIX ranks Waterford as the 196th-most congested in the world.

Compare Car Insurance Quotes in Waterford, CA

Ready to find affordable Waterford, California car insurance today? Enter your ZIP code for fast, free Waterford, CA car insurance quotes.

Free Car Insurance Comparison

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