Waterbury Car Insurance

How much does car insurance cost in Waterbury, CT? Check out the average rates that drivers pay below.

Compare Car Insurance Rates Instantly

What Is the Average Cost of Car Insurance in Waterbury?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Connecticut has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Waterbury typically pay around $231.93 per month compared to the national average of $167.23 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $167.23
Connecticut $205.25
Waterbury, Connecticut $231.93

Waterbury, CT Best Car Insurance Companies

car insurance in Waterbury

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, USAA generally has the most affordable car insurance in Waterbury coming in around $120.31 per month. Other companies to consider if you live in Waterbury is Utica National Ins Group with an average cost of $143.12 per month and State Farm which typically runs around $149.89 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Waterbury.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $120.31-41.39%
2 Utica National Ins Group $143.12-30.27%
3 State Farm $149.89-26.97%
4 Electric $158.79-22.64%
5 Travelers $179.90-12.35%
6 Liberty Mutual $187.23-8.78%
7 Nationwide $195.91-4.55%
8 Safeco $196.24-4.39%
9 Allstate $251.0922.33%
10 Metropolitan $305.1348.66%

How Much is Car Insurance in Waterbury, CT?

how much is auto insurance in Waterbury

Rates can vary from city to city. The residents of Bridgeport typically pay $252.15 per month while people who live in Danbury will pay $187.88 per month on average. See what people pay for car insurance in other cities in Connecticut.

Connecticut CitiesMonthly Average Rate
Bridgeport $252.15
Danbury $187.88
East Hartford$216.52
Hartford $253.61
Meriden $195.08
New Britain $203.22
New Haven $240.80
Norwalk $192.51
Stamford $177.31
Waterbury $231.93
West Hartford$197.53

Cheap Car Insurance in Waterbury by Zip Codes

find cheap auto insurance in Waterbury

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Connecticut. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Waterbury, CT ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Waterbury

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $553.42 per month in Waterbury. Compare that to drivers in their 30’s who typically pay around $213.52 per month drivers in their 40s at $184.80 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Waterbury

If you are teen in Waterbury you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $156.96 per month. This is likely the most affordable option in Waterbury. You might also want to consider Utica National Ins Group and State Farm who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Utica National Ins Group$158.83
State Farm$195.27
Liberty Mutual$216.09

Cheapest Insurance for 20 Year-olds in Waterbury

20 year-olds in Waterbury might want to consider USAA who, on average, offers car insurance rates around $152.24 per month. Utica National Ins Group , Electric , State Farm and Safeco are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Utica National Ins Group$156.37
State Farm$184.00

Cheapest Insurance for 30 Year-olds in Waterbury

If you are in your 30s in Waterbury our research has found that USAA typically has the most affordable coverage coming in around $106.72 per month, followed by Utica National Ins Group at $112.00 and Travelers at $122.07.

CompanyAverage Monthly Rate
Utica National Ins Group$112.00
State Farm$127.78

Cheapest Insurance for 40 Year-olds in Waterbury

On average, Utica National Ins Group offers car insurance for 40 year-olds in Waterbury for around $92.33 per month. If you are looking for affordable coverage, you may also want to consider USAA or Electric. The full list of top companies is below.

CompanyAverage Monthly Rate
Utica National Ins Group$92.33
State Farm$139.89

Cheapest Insurance for 50 Year-olds in Waterbury

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Waterbury we found that USAA generally offers the most affordable coverage at $90.15 per month.

CompanyAverage Monthly Rate
State Farm$120.11
Liberty Mutual$125.09

Cheapest Insurance for 60 Year-olds in Waterbury

If you live in Waterbury and you’re in your 60s, our data indicates that USAA usually has the best rates at $87.69 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Liberty Mutual$112.20
State Farm$114.33

Driver's Coverage Auto Insurance Rates in Waterbury, CT

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Waterbury, the average monthly rate for a driver who is currently insured is $224.84 while drivers who are not currently covered will pay around $242.33.

CoverageAverage Monthly Rate
Not Currently Insured $242.33
Currently Insured $224.84

Compare Recent Car Insurance Quotes in Waterbury

auto insurance quotes in Waterbury city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Waterbury a driver of a 2014 Infiniti Q60 can expect to pay around $2,525.33 per month while someone that owns a 2009 Honda Accord may pay around $107.28 per month. Check out the list of recent quotes in Waterbury below.

VehicleAverage Monthly Rate
2014 Infiniti Q60$2,525.33
2009 Honda Accord$107.28
1994 Toyota Camry$213.92
2015 Infiniti Q40$677.67
2001 Chevrolet Malibu$225.00
2004 Honda Cr-V$40.93

FAQ's for Drivers in Waterbury, CT

driver’s frequently asked question in Waterbury

What Is the Minimum Liability Coverage Requirement in Waterbury, CT?

By law, all Connecticut drivers must carry coverage of at least $20,000 bodily injury per person, $40,000 bodily injury per accident, and $10,000 property damage liability per accident. Uninsured and underinsured motorist coverage, which protects you if you’re in an accident with a driver who has too little or no coverage, is also required in the state; the uninsured/underinsured motorist coverage minimum limits are $20,000 bodily injury per person and $40,000 bodily injury per accident.

Since 1994, Connecticut has used an at-fault system. This means that someone involved in an accident may seek compensation from the driver determined to have caused the incident. They may also file a personal injury lawsuit against the at-fault motorist without the sort of restrictions applied to litigation rights in no-fault states.

  • $20,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $40,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
  • $10,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

If you’re a gambler at heart, you might stick with the minimum coverage limits required by Connecticut state law. That’s one way to keep your premium down. But there are lots of accident situations in which you’ll find minimum coverage to be inadequate, and you could end up on the hook for significant out-of-pocket expenses. Picking up optional coverages is a smart way to ensure your insurance will really come through for you if you need it.

What Is the Blood Alcohol Concentration (BAC) limit in Waterbury, CT?

It’s against the law to drive in Connecticut at the following BAC percentages:

  • .08%+ at 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .02%+ at under 21 years old

In Connecticut, you can be convicted of an OUI (operating under the influence) offense even without direct evidence of you BAC. If your ability to drive is deemed to be impaired, that’s all that’s required for a conviction. OUI applies not only to alcohol, but also to any recreational drug or other substance abused for its ability to intoxicate, prescription or over-the-counter medication, or supplement that impairs the driver’s physical, mental, or emotional state.

Is my credit score a factor when obtaining car insurance in Connecticut?

It is. While your neighbors to the north in Massachusetts are some of the very few Americans protected against this practice, most carriers in Connecticut do use your credit report to determine your “insurance score.” This is a calculation made using a variety of factors, including your credit score, to estimate your likelihood of getting into an accident and filing a claim.

Check Out Other Rates in Waterbury, CT Nearby Cities:

Bristol, CT

Meriden, CT


Commute Time in Waterbury, CT

24.2 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Waterbury, CT


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

Compare Insurance Rates Instantly.

Answer a few questions and let Penny find the best rates in your area.