Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Waterbury, CT for senior drivers are $2,864/year
  • Average car insurance rates in Waterbury, CT are $483/month
  • The cheapest car insurance company in Waterbury after a DUI is State Farm

Average car insurance rates in Waterbury, Connecticut are $483 a month. But with a little research you can get a great deal from the top car insurance companies in Waterbury, CT. Before you buy Waterbury, Connecticut car insurance, make sure your coverage meets or exceeds the Connecticut minimum of 25/50/20.

It may even be helpful to compare Waterbury car insurance rates with Meriden car insurance rates, New Britain car insurance rates, or Danbury car insurance rates to make sure you’re getting the best Waterbury, CT car insurance quotes available.

Need affordable Waterbury, CT car insurance? Enter your ZIP code to compare Waterbury car insurance quotes from multiple car insurance companies near you.

Waterbury, CT Minimum Car Insurance Coverage

Waterbury, Connecticut law requires drivers carry a minimum of 25/50/20 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car 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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Waterbury, CT Car Insurance Rates by Coverage Level

Some Waterbury drivers can get by with the Connecticut minimum coverage of 25/50/20. Other drivers may need more. See how much your Waterbury, Connecticut car insurance rates may be based on the coverage you need.

Annual Car 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

Waterbury, CT Car Insurance Rates by Age, Gender, and Marital Status

Waterbury, Connecticut car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Waterbury, CT car insurance, get quotes from multiple car insurance companies in the Waterbury area and see how these criteria affect your rates.

Annual Car 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

Waterbury, CT Car Insurance Rates for Teens

How much is Waterbury, Connecticut car insurance for teens? Compare rates from top Waterbury car insurance companies below to help find the cheapest teen car insurance in Waterbury, CT.

Annual Car 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

Waterbury, CT Car Insurance Rates for Seniors

Before seniors buy Waterbury, Connecticut car insurance, they should make sure to shop around. Some Waterbury, CT car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car 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

Waterbury, CT Car Insurance Rates by Credit History

How does your credit history affect Waterbury, CT car insurance rates? Review the numbers here to find out.

Annual Car 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

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Waterbury, CT Car Insurance Rates by Driver History

How does a single speeding ticket affect your Waterbury, Connecticut car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Waterbury.

Annual Waterbury, Connecticut Car 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

Waterbury, CT Car Insurance Rates With a DUI

Even a single DUI can increase your Waterbury, CT car insurance rates. Compare rates below to see which Waterbury car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Waterbury, Connecticut

Insurance Company Annual Car 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

Waterbury, CT Car Insurance Rates by ZIP Code

Just like Waterbury car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Waterbury, CT car insurance rates fluctuate by ZIP code.

Annual Car 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

Waterbury, CT Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Waterbury, CT car insurance rates may be. Let’s take a look at average car insurance rates from top Waterbury companies based on commute time.

Annual Car 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

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Waterbury, CT Cheapest Car Insurance Rates

How do the top Waterbury, Connecticut car insurance companies’ average rates stack up against the Waterbury average monthly car insurance rates of $483? Take a look and see.

Best Annual Car 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

Waterbury, CT Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Waterbury, Connecticut car insurance companies to help you find one that best fits your needs.

Average Annual Car 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

Other Factors Affecting Waterbury, CT Car Insurance Rates

Before you buy Waterbury, Connecticut car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Waterbury, CT Commute Time

How does your Waterbury, CT commute time compare with the average driver? In Waterbury, the average commute is 25.4 minutes.

Waterbury, CT Traffic

Spending time in Waterbury traffic can lead to higher car insurance rates. According to INRIX data, Waterbury, CT ranks as the 703rd-most congested with traffic in the world.

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Waterbury, CT Car Insurance Quotes

Compare Waterbury, CT car insurance quotes from multiple companies by entering your ZIP code now.