Buy Cheap Waterford, CA Auto Insurance (2021)

Waterford, CA auto insurance rates average $300 a month. Minimum auto insurance requirements in Waterford, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Waterford, CA, compare Waterford 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 Waterford, CA for teens drivers are $6,048/year
  • The most expensive auto insurance company in Waterford after a DUI is Allstate
  • Average auto insurance rates in Waterford, CA are $300/month

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

See how Waterford, CA car insurance rates compare to San Jose auto insurance rates, San Francisco auto insurance rates, and Sacramento auto insurance rates before you read more about the cost of auto insurance in Waterford.

Don’t buy Waterford, CA auto insurance until you’ve compared rates. Get free Waterford, California auto insurance quotes when you enter your ZIP code above.

Waterford, CA Minimum Auto Insurance Requirements

The required auto insurance in Waterford, CA is 15/30/5 according to the auto insurance laws in California. The minimum auto insurance in Waterford, California is outlined here.

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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Buy Cheap Waterford, CA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Waterford, California auto insurance rates? Find out how car insurance rates in Waterford, CA are impacted by demographics.

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

Buy Cheap Waterford, CA Auto Insurance for Teen Drivers

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

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

Buy Cheap Waterford, CA Auto Insurance for Seniors

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

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

Find Cheap Auto Insurance Rates in Waterford, CA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Waterford, California auto insurance. Compare Waterford, CA 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

Find Cheap Waterford, CA Auto Insurance Rates by Commute

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

Annual Auto 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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Find Cheap Waterford, CA Auto Insurance Rates by Driving Record

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

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

Find Cheap Waterford, CA Auto Insurance Rates After a DUI

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

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

Winners by Category: Where to Buy Cheap Auto Insurance in Waterford, CA

Compare rates from the cheapest auto insurance companies in Waterford, CA for your needs. Take a look at how Waterford, California auto insurance companies stack up for each category.

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

Find Cheap Waterford, California Auto Insurance Companies

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

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

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What affects Waterford, California auto insurance rates?

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

Auto Theft in Waterford

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Waterford, CA auto theft show a total of 34 vehicle thefts annually.

Commute Times in Waterford

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Waterford, CA is 31.5 minutes according to City-Data.

Traffic in Waterford

How is traffic in Waterford, California? Inrix data shows that Waterford, CA traffic makes it the 196th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Waterford, CA

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

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