Best Cheap Auto Insurance in Waterford, CT (2021)

The average Waterford, CT auto insurance rates are $341 per month. The minimum auto insurance in Waterford is at least 25/50/20 in coverage to comply with Connecticut auto insurance laws. To find the best cheap auto insurance in Waterford, 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: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Waterford, CT for senior drivers are $2,042 per year
  • The most expensive auto insurance company in Waterford for teen drivers is Liberty Mutual
  • The minimum auto insurance required in Waterford, Connecticut is 25/50/20

Waterford, Connecticut auto insurance requirements are 25/50/20 according to Connecticut 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, Connecticut, including driving record, credit, commute time, and more.

Compare auto insurance in Waterford to other Connecticut cities, including Bristol auto insurance rates, Norwalk auto insurance rates, and Hartford auto insurance rates to see how Waterford, Connecticut auto insurance rates stack up.

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

Minimum Auto Insurance in Waterford, Connecticut

Waterford, 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 Waterford, Connecticut.

Minimum Required Auto Insurance Coverage in Waterford, 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 Waterford, Connecticut Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Waterford, 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 Waterford, 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 $3,309 $3,286 $3,038 $3,251 $10,031 $11,836 $3,479 $3,672
GEICO $2,003 $2,009 $1,858 $1,873 $4,631 $5,481 $1,933 $1,876
Liberty Mutual $3,218 $3,495 $2,478 $3,045 $16,032 $18,055 $3,261 $3,561
Nationwide $2,151 $2,175 $1,935 $2,028 $5,929 $7,512 $2,492 $2,677
Progressive $2,193 $2,047 $1,875 $1,946 $9,154 $10,145 $2,510 $2,819
State Farm $1,626 $1,626 $1,497 $1,497 $4,905 $6,166 $1,826 $2,091
Travelers $1,639 $1,663 $1,633 $1,628 $12,476 $20,073 $1,783 $2,011
USAA $1,667 $1,649 $1,556 $1,535 $5,209 $5,466 $2,223 $2,302

Cheap Waterford, Connecticut Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Waterford, Connecticut

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,031 $11,836
GEICO $4,631 $5,481
Liberty Mutual $16,032 $18,055
Nationwide $5,929 $7,512
Progressive $9,154 $10,145
State Farm $4,905 $6,166
Travelers $12,476 $20,073
USAA $5,209 $5,466

Cheap Waterford, Connecticut Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Waterford, Connecticut

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,038 $3,251
GEICO $1,858 $1,873
Liberty Mutual $2,478 $3,045
Nationwide $1,935 $2,028
Progressive $1,875 $1,946
State Farm $1,497 $1,497
Travelers $1,633 $1,628
USAA $1,556 $1,535

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

Annual Waterford, Connecticut Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,468 $5,498 $6,516 $4,468
GEICO $1,713 $2,244 $4,774 $2,102
Liberty Mutual $5,820 $7,286 $7,210 $6,257
Nationwide $2,743 $3,570 $4,084 $3,052
Progressive $3,486 $5,062 $3,663 $4,134
State Farm $2,472 $2,715 $2,715 $2,715
Travelers $4,319 $4,677 $6,804 $5,652
USAA $2,101 $2,635 $3,967 $2,101

Cheap Waterford, Connecticut Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Waterford, Connecticut

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,516
GEICO $4,774
Liberty Mutual $7,210
Nationwide $4,084
Progressive $3,663
State Farm $2,715
Travelers $6,804
USAA $3,967

Cheap Waterford, Connecticut Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Waterford, Connecticut

Insurance Company Poor Fair Good
Allstate $6,657 $5,046 $4,010
GEICO $3,937 $2,377 $1,811
Liberty Mutual $9,429 $5,877 $4,623
Nationwide $4,446 $2,991 $2,650
Progressive $4,445 $3,990 $3,824
State Farm $3,687 $2,367 $1,908
Travelers $6,089 $5,074 $4,927
USAA $3,563 $2,412 $2,126

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Cheap Waterford, Connecticut Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Waterford, Connecticut

ZIP Code Average Annual Rates
6385 $4,136

Cheap Waterford, Connecticut Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Waterford, Connecticut

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,238 $5,238
GEICO $2,667 $2,750
Liberty Mutual $6,643 $6,643
Nationwide $3,362 $3,362
Progressive $4,086 $4,086
State Farm $2,589 $2,720
Travelers $5,363 $5,363
USAA $2,669 $2,733

Cheap Waterford, Connecticut Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Waterford, Connecticut

Insurance Company Low Medium High
Allstate $4,983 $5,232 $5,498
GEICO $2,514 $2,676 $2,934
Liberty Mutual $6,403 $6,597 $6,929
Nationwide $3,424 $3,388 $3,276
Progressive $3,824 $4,052 $4,382
State Farm $2,485 $2,659 $2,819
Travelers $4,985 $5,328 $5,777
USAA $2,528 $2,703 $2,871

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Best By Category: Cheapest Auto Insurance in Waterford, Connecticut

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

Best Annual Auto Insurance Rates by Company in Waterford, Connecticut

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

The Cheapest Waterford, Connecticut Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Waterford, Connecticut

Insurance Company Average Annual Rates
Allstate $5,238
GEICO $2,708
Liberty Mutual $6,643
Nationwide $3,362
Progressive $4,086
State Farm $2,654
Travelers $5,363
USAA $2,701

What affects auto insurance rates in Waterford, Connecticut?

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

Waterford Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Waterford, Connecticut commute length is 22.7 minutes according to City-Data.

Waterford Traffic

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

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Compare Waterford, Connecticut Auto Insurance Quotes

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