Best Cheap Auto Insurance in Waterford, CA (2021)

The average Waterford, CA auto insurance rates are $300 per month. The minimum auto insurance in Waterford is at least 15/30/5 in coverage to comply with California auto insurance laws. To find the best cheap auto insurance in Waterford, California, 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: May 17, 2021

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Things to Remember

  • The average commute length in Waterford is 31.5 minutes
  • The minimum auto insurance required in Waterford, California is 15/30/5
  • The cheapest auto insurance company in Waterford is USAA

Waterford, California auto insurance requirements are 15/30/5 according to California auto insurance laws. Finding cheap auto insurance in Waterford 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 Waterford, California, including driving record, credit, commute time, and more.

Compare auto insurance in Waterford to other California cities, including Long Beach auto insurance rates, Fresno auto insurance rates, and Anaheim auto insurance rates to see how Waterford, California auto insurance rates stack up.

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

Minimum Auto Insurance in Waterford, California

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

Minimum Required Auto 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

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Cheap Waterford, California Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Waterford, California 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 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

Cheap Waterford, California Auto Insurance for Teen Drivers

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

Annual Auto 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

Cheap Waterford, California Auto Insurance for Seniors

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

Annual Auto 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

Cheap Waterford, California 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 Waterford, California compared to the annual auto insurance rates with a clean record in Waterford, California.

Annual Waterford, California Auto 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

Cheap Waterford, California Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Waterford, California

Insurance Company Annual Auto 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

Cheap Waterford, California Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Waterford, California

ZIP Code Average Annual Rates
95386 $4,919

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Cheap Waterford, California Auto Insurance Rates By Commute

Commute length and annual mileage affect Waterford, California auto insurance. Find the cheapest annual Waterford, California auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Waterford, California

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

Cheap Waterford, California Auto Insurance Rates By Coverage Level

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

Annual Auto 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

Best By Category: Cheapest Auto Insurance in Waterford, California

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

Best Annual Auto 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

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The Cheapest Waterford, California Auto Insurance Companies

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

Average Annual Auto 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

What affects auto insurance rates in Waterford, California?

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

Waterford Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Waterford, California auto theft statistics, there have been 34 auto thefts in the city.

Waterford Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Waterford, California commute length is 31.5 minutes according to City-Data.

Waterford Traffic

How does Waterford, California rank for traffic? According to Inrix Waterford, California is the 196th most congested worldwide.

Compare Waterford, California Auto Insurance Quotes

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