Cheapest Car Insurance Quotes in Waterbury

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Waterbury Car Insurance

^$ 69

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Waterbury

The car insurance rate in Waterbury is $1875 for a six-month policy, which is $444 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $958, making it a popular choice for budget-conscious drivers. Rates in Waterbury can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Waterbury

$1875

Avg. Car Insurance in Connecticut

$1431

National Average

$1278

Cheapest Car Insurance Companies in Waterbury

1st place: Kemper

At $958 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $988 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1159 for six months, making it the third cheapest auto insurance company in Waterbury.

Waterbury Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Waterbury, CT is Kemper, offering policies at just $958 for a six-month term. This is followed by Travelers, which has an average six-month premium of $988.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $4396 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Waterbury drivers find the best deals.

Cheap Car Insurance Companies in Waterbury, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$958	$161
Travelers	$988	$168
USAA	$1159	$195
Amica Mutual	$1292	$217
State Farm	$1548	$261
Progressive	$1720	$290
Allstate	$1860	$313
Nationwide	$1922	$324
Amica	$2046	$341
Farmers	$2739	$466
Hanover	$4396	$740

Key Takeaways

Way's key takeaways about car insurance in Waterbury

The auto insurance costs in Waterbury fall around $958 for six months.
The cheapest auto insurance company in Waterbury is USAA.
Teen drivers pay the highest rate in Waterbury at $1846 per month.

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Cheapest Minimum Liability Car Insurance in Waterbury

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Waterbury are given below.

USAA provides the cheapest minimum car insurance coverage in Waterbury. Their Average 6 Month Premium is $405. Farmers is the most expensive at $1268 for the same period.

Cheapest Liability Coverage in Waterbury, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$405	$69
Kemper	$428	$72
Amica Mutual	$576	$97
Amica	$584	$97
Progressive	$607	$102
State Farm	$638	$107
Nationwide	$715	$121
Allstate	$833	$140
Hanover	$1657	$282
Travelers	$365	$62
Farmers	$1268	$216

Cheapest Full Coverage Car Insurance in Waterbury

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Waterbury is Kemper at $161 per month and $958 for six months.

Cheapest Full Coverage Car Insurance Quotes in Waterbury, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$958	$161
Travelers	$988	$168
USAA	$1159	$195
Amica Mutual	$1292	$217
State Farm	$1548	$261
Progressive	$1720	$290
Allstate	$1860	$313
Nationwide	$1922	$324
Amica	$2046	$341
Farmers	$2739	$466
Hanover	$4396	$740

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Average Car Insurance in Waterbury by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Waterbury, CT increasing?

Despite maintaining a clean driving record, your car insurance rates in Waterbury, Connecticut, may be increasing due to several external factors. Connecticut has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Waterbury's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Waterbury

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Waterbury,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Waterbury at $81 per month. At $10855 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$482	$81
Amica Mutual	$599	$100
USAA	$1641	$276
Amica	$2903	$489
Allstate	$3213	$541
State Farm	$3439	$579
Progressive	$4864	$819
Nationwide	$6715	$1131
Hanover	$10264	$1745
Farmers	$10388	$1732
Travelers	$10855	$1846

Teen Car Insurance Rates in CT by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Waterbury, Kemper is the cheapest car insurance provider. At $553 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Waterbury is Amica, offering rates of around $6435 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$553	$92
Amica Mutual	$1011	$172
USAA	$1930	$322
Travelers	$1953	$333
Progressive	$2311	$389
Allstate	$2522	$424
Nationwide	$2646	$445
State Farm	$4489	$756
Farmers	$5516	$920
Amica	$6435	$1094

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Car Insurance Rates with An Accident in Waterbury

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Waterbury, CT, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Waterbury

The cheapest car insurance companies after an at-fault accident in Waterbury include Amica Mutual and Kemper, offering $677 and $709, respectively. Hanover is an expensive provider with an average six-month premium of $7851.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$677	$113
Kemper	$709	$119
State Farm	$1104	$186
Travelers	$1104	$187
USAA	$1120	$189
Amica	$1985	$334
Progressive	$2358	$397
Nationwide	$3004	$506
Allstate	$5649	$942
Farmers	$6264	$1065
Hanover	$7851	$1309

Waterbury Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Waterbury CT. For example, the car insurance in Waterbury after a DUI increases to $2482 for a six month policy. While the rate increases by $326 for a six-month policy in the case of a speeding ticket.

Waterbury auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1588	$265
One Med/PIP claim	$1588	$270
Not-at-fault accident	$1641	$274
Two Med/PIP claims	$1649	$280
One comp claim	$1673	$279
Two comp claims	$1774	$301
Driving without lights	$1844	$308
Failure to wear a seat belt	$1868	$317
Child safety restraint	$1890	$316
Failure to show documents	$1898	$322
Speeding 6 - 10 MPH over limit	$1914	$320
Driving with expired registration	$1922	$326
Speeding 11 - 15 MPH over limit	$1922	$321
Speeding 16 - 20 MPH over limit	$1922	$326
Cell phone violation	$1930	$322
Texting while driving	$1930	$328
Driving too slowly	$1937	$324
Failure to stop at a red light	$1937	$329
Failure to yield	$1937	$324
Following too closely	$1937	$329
Illegal turn	$1937	$324
Improper passing	$1945	$331
Wrong way/wrong lane	$1945	$325
Speeding in school zone	$1953	$333
Speeding 21 - 25 MPH over limit	$1977	$329
At-fault accident - less than $1000	$2000	$341
In 65 MPH zone	$2078	$346
Operating a vehicle without permission	$2147	$365
Open container	$2265	$377
At-fault accident - $1000-$2000	$2482	$422
At-fault accident - greater than $2000	$2482	$414
Passing school bus	$2903	$494
Reckless driving	$3821	$637
Racing	$3938	$669
Driving with a suspended license	$3968	$662
Refusal to submit to a chemical test	$3999	$680
DUI	$4070	$679
Leaving scene of an accident/hit and run	$4140	$703

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Waterbury after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Waterbury.

The cheapest car insurance premiums in Waterbury are offered by Kemper at $863 for a six-month policy. However, it can be as expensive as $23056 with companies like Hanover.

Waterbury car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$863	$145
Progressive	$1649	$278
USAA	$1657	$279
Travelers	$1704	$284
Allstate	$2117	$356
State Farm	$2155	$363
Amica Mutual	$3571	$601
Nationwide	$3976	$669
Farmers	$6559	$1115
Amica	$7183	$1197
Hanover	$23056	$3921

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Waterbury are offered by Kemper at $545. However, it can be as expensive as $6257 with companies like Hanover for a similar six-month premium.

Cheapest Car Insurance in Waterbury after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$545	$90
Amica Mutual	$662	$113
State Farm	$1339	$225
Travelers	$1339	$228
USAA	$1339	$223
Allstate	$1517	$255
Nationwide	$1890	$318
Progressive	$2038	$343
Amica	$2374	$396
Farmers	$3502	$596
Hanover	$6257	$1043

Car Insurance Price Trends in Waterbury, Connecticut

Car insurance rates in Waterbury have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Waterbury rose by $432 in February compared to $312 of January. In other words, there has been an increase by $120 when you compare February and January.

The average cost of liability insurance in the Waterbury dipped to $106 in February, compared to $113 in January. This represents an decrease of $7 when comparing February and January.

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Average Car Insurance Cost in Waterbury by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Waterbury. At $2380 for a six-month policy, insuring your car at 6708 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
6708	$2380	$400
6710	$2043	$344
6702	$1912	$322
6704	$2305	$388
6706	$2099	$353
6705	$2305	$388

Frequently Asked Questions

How much is car insurance in Waterbury?

The car insurance in Waterbury is $69 per month, which is lower than the national average.

What is the cheapest car insurance in Waterbury?

The cheapest car insurance in Waterbury is $161 per month for full coverage.

How much is car insurance in Waterbury for teenagers?

Car insurance for teenagers costs $482 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Waterbury?

The average cost of car insurance is $1431 for a six-month policy. It will cost around $316 per month to insure your car in Waterbury.

Is car insurance expensive in Waterbury?

Car insurance can be expensive in Waterbury if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Waterbury can be affordable.

What is the best car insurance in Waterbury, CT?

The best car insurance company in Waterbury CT is Kemper, offering $958 for a six-month policy.