Best Cheap Auto Insurance in Waterbury, CT (2021)

The average Waterbury, CT auto insurance rates are $483 per month. The minimum auto insurance in Waterbury is at least 25/50/20 in coverage to comply with Connecticut auto insurance laws. To find the best cheap auto insurance in Waterbury, Connecticut, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The average commute length in Waterbury is 25.4 minutes
  • The minimum auto insurance required in Waterbury, Connecticut is 25/50/20
  • Average auto insurance rates in Waterbury, CT for senior drivers are $2,864 per year

Waterbury, Connecticut auto insurance requirements are 25/50/20 according to Connecticut auto insurance laws. Finding cheap auto insurance in Waterbury can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Waterbury, Connecticut, including driving record, credit, commute time, and more.

Compare auto insurance in Waterbury to other Connecticut cities, including Norwalk auto insurance rates, Meriden auto insurance rates, and Bridgeport auto insurance rates to see how Waterbury, Connecticut auto insurance rates stack up.

Before you buy Waterbury, Connecticut auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Waterbury, Connecticut auto insurance quotes.

Minimum Auto Insurance in Waterbury, Connecticut

Waterbury, Connecticut auto insurance laws require that you have at least the Connecticut minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Waterbury, Connecticut.

Minimum Required Auto 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

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Cheap Waterbury, Connecticut Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Waterbury, Connecticut are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Waterbury, Connecticut Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Waterbury, Connecticut is a challenge. Take a look at the annual teen auto insurance rates in Waterbury, Connecticut.

Annual Auto 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

Cheap Waterbury, Connecticut Auto Insurance for Seniors

What are senior auto insurance rates in Waterbury, Connecticut? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Waterbury, Connecticut Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Waterbury, Connecticut compared to the annual auto insurance rates with a clean record in Waterbury, Connecticut.

Annual Waterbury, Connecticut Auto 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

Cheap Waterbury, Connecticut Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Waterbury, Connecticut is not easy. Compare the annual rates for DUI auto insurance in Waterbury, Connecticut to find the best deal.

Annual Auto Insurance Rates After a DUI in Waterbury, Connecticut

Insurance Company Annual Auto 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

Cheap Waterbury, Connecticut Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Waterbury, Connecticut annual auto insurance rates by credit history compare.

Annual Auto 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

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Cheap Waterbury, Connecticut Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Waterbury, Connecticut can vary. Compare the annual cost of auto insurance by ZIP code in Waterbury, Connecticut to see how car insurance rates are affected by location.

Annual Auto 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

Cheap Waterbury, Connecticut Auto Insurance Rates By Commute

Commute length and annual mileage affect Waterbury, Connecticut auto insurance. Find the cheapest annual Waterbury, Connecticut auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Waterbury, Connecticut

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Waterbury, Connecticut Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Waterbury, Connecticut? Check out the comparison of annual Waterbury, Connecticut auto insurance rates by coverage level.

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Waterbury, Connecticut

Compare the cheapest auto insurance companies in Waterbury, Connecticut in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

The Cheapest Waterbury, Connecticut Auto Insurance Companies

What auto insurance companies in Waterbury, Connecticut are the cheapest? Compare the top Waterbury, Connecticut auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Waterbury, Connecticut?

There are a lot of reasons why auto insurance rates in Waterbury, Connecticut are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Waterbury, Connecticut. Many local factors may affect your Waterbury auto insurance rates.

Waterbury Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Waterbury, Connecticut commute length is 25.4 minutes according to City-Data.

Waterbury Traffic

How does Waterbury, Connecticut rank for traffic? According to Inrix Waterbury, Connecticut is the 703rd most congested worldwide.

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Compare Waterbury, Connecticut Auto Insurance Quotes

Before you buy Waterbury, Connecticut auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Waterbury, Connecticut auto insurance quotes.

Free Auto Insurance Comparison

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

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