Buy Cheap Waterbury, CT Auto Insurance (2022)

Waterbury, CT auto insurance rates average $483 a month. Minimum auto insurance requirements in Waterbury, Connecticut are 25/50/20 to comply with Connecticut laws. To buy cheap auto insurance in Waterbury, CT, compare Waterbury auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Waterbury, CT for teens drivers are $12,105/year
  • The most expensive auto insurance company in Waterbury is Travelers
  • Average auto insurance rates in Waterbury, CT after a DUI are $7,075/year

Finding affordable Waterbury, Connecticut auto insurance can be challenging, but everything you need to know to buy cheap Waterbury, CT auto insurance with confidence is right here. Auto insurance rates in Waterbury are affected by local factors as well as personal ones like your driving record.

See how Waterbury, CT car insurance rates compare to Waterbury auto insurance rates, Bristol auto insurance rates, and Danbury auto insurance rates before you read more about the cost of auto insurance in Waterbury.

Don’t buy Waterbury, CT auto insurance until you’ve compared rates. Get free Waterbury, Connecticut auto insurance quotes when you enter your ZIP code above.

Waterbury, CT Minimum Auto Insurance Requirements

The required auto insurance in Waterbury, CT is 25/50/20 according to the auto insurance laws in Connecticut. The minimum auto insurance in Waterbury, Connecticut is outlined here.

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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Find Cheap Waterbury, CT Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Waterbury, CT. Take a look at Waterbury, Connecticut auto insurance rates by credit history.

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

Buy Cheap Waterbury, CT Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Waterbury, Connecticut auto insurance rates? Find out how car insurance rates in Waterbury, CT are impacted by demographics.

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

Buy Cheap Waterbury, CT Auto Insurance for Teen Drivers

Auto insurance for teenagers in Waterbury can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Waterbury, CT are listed here.

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

Buy Cheap Waterbury, CT Auto Insurance for Seniors

You can save on senior auto insurance rates in Waterbury, Connecticut by comparing Waterbury senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Waterbury, CT here.

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

Find Cheap Auto Insurance Rates in Waterbury, CT by Coverage Level

The amount of coverage you choose is a big factor in the cost of Waterbury, Connecticut auto insurance. Compare Waterbury, CT 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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Find Cheap Waterbury, CT Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Waterbury. Compare auto insurance rates in Waterbury, CT by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Waterbury, Connecticut

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Find Cheap Waterbury, CT Auto Insurance Rates by ZIP Code

Auto insurance rates in Waterbury, Connecticut can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Waterbury, CT to see how much where you live in Waterbury affects the cost of car insurance.

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

Find Cheap Waterbury, CT Auto Insurance Rates by Driving Record

Auto insurance rates in Waterbury, Connecticut are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Waterbury, CT, take a look at the average cost for various violations versus rates for a clean driving record in Waterbury.

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

Find Cheap Waterbury, CT Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Waterbury, Connecticut is higher than for a clean driving record. You can buy auto insurance after a DUI in Waterbury for less when you shop around and compare rates from multiple Waterbury, CT auto insurance companies.

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

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Winners by Category: Where to Buy Cheap Auto Insurance in Waterbury, CT

Compare rates from the cheapest auto insurance companies in Waterbury, CT for your needs. Take a look at how Waterbury, Connecticut auto insurance companies stack up for each category.

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

Find Cheap Waterbury, Connecticut Auto Insurance Companies

If you’re looking for the cheapest Waterbury, CT auto insurance companies overall, you can compare them here. Find the best price for Waterbury, Connecticut car insurance by company.

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 Waterbury, Connecticut auto insurance rates?

Local factors affect auto insurance rates in Waterbury, CT, including traffic, theft statistics, and commute length. Take a look at the things that impact Waterbury auto insurance rates.

Commute Times in Waterbury

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Waterbury, CT is 25.4 minutes according to City-Data.

Traffic in Waterbury

How is traffic in Waterbury, Connecticut? Inrix data shows that Waterbury, CT traffic makes it the 703rd-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Waterbury, CT

You can buy cheap Waterbury, CT auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Waterbury, Connecticut auto insurance quotes from top companies.

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