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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Aug 2, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Just What's Essential

  • The cheapest car insurance company in Waterville after a DUI is Progressive
  • Average car insurance rates in Waterville, NY for senior drivers are $2,005/year
  • Average car insurance rates in Waterville, NY are $270/month

Average car insurance rates in Waterville, New York are $270 a month. But with a little research you can get a great deal from the top car insurance companies in Waterville, NY. Before you buy Waterville, New York car insurance, make sure your coverage meets or exceeds the New York minimum of 25/50/10.

It may even be helpful to compare Waterville car insurance rates with Albany car insurance rates, Buffalo car insurance rates, or Mount Vernon car insurance rates to make sure you’re getting the best Waterville, NY car insurance quotes available.

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

Waterville, NY Minimum Car Insurance Coverage

Waterville, New York law requires drivers carry a minimum of 25/50/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Waterville, New York

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Waterville, NY Car Insurance Rates by Coverage Level

Some Waterville drivers can get by with the New York minimum coverage of 25/50/10. Other drivers may need more. See how much your Waterville, New York car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Waterville, New York

Insurance Company Low Medium High
Allstate $3,631 $3,788 $3,976
GEICO $1,838 $1,926 $2,031
Liberty Mutual $4,396 $4,554 $4,754
Nationwide $2,774 $2,914 $3,117
Progressive $2,627 $2,745 $2,904
State Farm $3,413 $3,593 $3,718
Travelers $3,323 $3,450 $3,653
USAA $2,839 $2,901 $2,997

Waterville, NY Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Waterville, New York

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 $2,548 $2,416 $2,377 $2,421 $7,436 $8,040 $2,558 $2,592
GEICO $1,426 $1,374 $1,387 $1,367 $2,967 $4,318 $1,288 $1,324
Liberty Mutual $3,324 $3,324 $3,095 $3,095 $6,426 $10,422 $3,324 $3,533
Nationwide $2,219 $2,219 $2,095 $2,095 $3,940 $5,867 $2,219 $2,827
Progressive $1,684 $1,587 $1,363 $1,381 $5,566 $6,205 $2,168 $2,117
State Farm $2,257 $2,257 $1,964 $1,964 $6,579 $8,480 $2,478 $2,618
Travelers $2,486 $2,499 $2,276 $2,434 $5,818 $6,900 $2,642 $2,748
USAA $1,529 $1,503 $1,379 $1,382 $6,103 $7,296 $1,953 $2,154

Waterville, NY Car Insurance Rates for Teens

How much is Waterville, New York car insurance for teens? Compare rates from top Waterville car insurance companies below to help find the cheapest teen car insurance in Waterville, NY.

Annual Car Insurance Rates for Teen Drivers in Waterville, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,436 $8,040
GEICO $2,967 $4,318
Liberty Mutual $6,426 $10,422
Nationwide $3,940 $5,867
Progressive $5,566 $6,205
State Farm $6,579 $8,480
Travelers $5,818 $6,900
USAA $6,103 $7,296

Waterville, NY Car Insurance Rates for Seniors

Before seniors buy Waterville, New York car insurance, they should make sure to shop around. Some Waterville, NY car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Waterville, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,377 $2,421
GEICO $1,387 $1,367
Liberty Mutual $3,095 $3,095
Nationwide $2,095 $2,095
Progressive $1,363 $1,381
State Farm $1,964 $1,964
Travelers $2,276 $2,434
USAA $1,379 $1,382

Waterville, NY Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Waterville, New York

Insurance Company Poor Fair Good
Allstate $5,397 $3,207 $2,791
GEICO $2,420 $1,779 $1,596
Liberty Mutual $6,379 $4,183 $3,142
Nationwide $2,935 $2,935 $2,935
Progressive $4,361 $2,260 $1,656
State Farm $5,048 $3,165 $2,511
Travelers $4,761 $3,027 $2,638
USAA $4,512 $2,242 $1,983

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Waterville, NY Car Insurance Rates by Driver History

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

Annual Waterville, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,227 $3,227 $4,685 $4,054
GEICO $1,527 $1,664 $3,007 $1,527
Liberty Mutual $3,674 $3,674 $7,251 $3,674
Nationwide $2,245 $2,245 $4,955 $2,296
Progressive $2,686 $2,686 $2,963 $2,701
State Farm $3,407 $3,407 $3,742 $3,742
Travelers $2,965 $3,713 $3,767 $3,457
USAA $2,589 $2,631 $3,799 $2,631

Waterville, NY Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Waterville, New York

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,685
GEICO $3,007
Liberty Mutual $7,251
Nationwide $4,955
Progressive $2,963
State Farm $3,742
Travelers $3,767
USAA $3,799

Waterville, NY Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Waterville, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,747 $3,850
GEICO $1,875 $1,988
Liberty Mutual $4,440 $4,696
Nationwide $2,935 $2,935
Progressive $2,759 $2,759
State Farm $3,449 $3,701
Travelers $3,475 $3,475
USAA $2,883 $2,941

Waterville, NY Cheapest Car Insurance Rates

How do the top Waterville, New York car insurance companies’ average rates stack up against the Waterville average monthly car insurance rates of $270? Take a look and see.

Best Annual Car Insurance Rates by Company in Waterville, New York

Category Insurance Company
Teenagers GEICO
Seniors Progressive
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Progressive
With 1 Speeding Violation GEICO

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Waterville, NY Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Waterville, New York

Insurance Company Average Annual Rates
Allstate $3,798
GEICO $1,931
Liberty Mutual $4,568
Nationwide $2,935
Progressive $2,759
State Farm $3,575
Travelers $3,475
USAA $2,912

Other Factors Affecting Waterville, NY Car Insurance Rates

Before you buy Waterville, New York car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Waterville, NY Commute Time

How does your Waterville, NY commute time compare with the average driver? In Waterville, the average commute is 21.9 minutes.

Waterville, NY Car Insurance Quotes

Compare Waterville, NY car insurance quotes from multiple companies by entering your ZIP code now.