Buy Cheap Waterford, CT Auto Insurance (2021)

Waterford, CT auto insurance rates average $341 a month. Minimum auto insurance requirements in Waterford, Connecticut are 25/50/20 to comply with Connecticut laws. To buy cheap auto insurance in Waterford, CT, 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

  • The most expensive auto insurance company in Waterford after a DUI is Liberty Mutual
  • Average auto insurance rates in Waterford, CT for teens drivers are $8,546/year
  • Average auto insurance rates in Waterford, CT after a DUI are $4,967/year

Finding affordable Waterford, Connecticut auto insurance can be challenging, but everything you need to know to buy cheap Waterford, CT 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, CT car insurance rates compare to Hartford auto insurance rates, Bristol auto insurance rates, and Bridgeport auto insurance rates before you read more about the cost of auto insurance in Waterford.

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

Waterford, CT Minimum Auto Insurance Requirements

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

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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Find Cheap Waterford, CT Auto Insurance by Credit History

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

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

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

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

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

Buy Cheap Waterford, CT 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, CT are listed here.

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

Buy Cheap Waterford, CT Auto Insurance for Seniors

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

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

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

The amount of coverage you choose is a big factor in the cost of Waterford, Connecticut auto insurance. Compare Waterford, CT 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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Find Cheap Waterford, CT 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, CT by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Waterford, Connecticut

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

Find Cheap Waterford, CT Auto Insurance Rates by Driving Record

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

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

Find Cheap Waterford, CT Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Waterford, Connecticut 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, CT auto insurance companies.

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

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

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

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

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Find Cheap Waterford, Connecticut Auto Insurance Companies

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

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 Waterford, Connecticut auto insurance rates?

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

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, CT is 22.7 minutes according to City-Data.

Traffic in Waterford

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

Compare Auto Insurance Quotes in Waterford, CT

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

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