Waterbury, CT, Car Insurance

In Waterbury, the average monthly cost for full coverage car insurance is $193. Prices can range from an affordable $195 to a steep $5,906, depending on your specifics like policy, vehicle type, and driving history. To help drivers understand what to expect, the table below outlines average car insurance costs for various profiles in the area.

Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.

In Waterbury, full coverage car insurance costs $2,233 per year, while minimum coverage costs $1,129 annually. These rates are higher than the Connecticut averages, where full coverage is $2,094 and minimum coverage is $1,081. Residents might find these rates less affordable compared to the state's average.

Even though car insurance premiums are increasing in Connecticut, affordable options exist in Waterbury. GEICO offers the cheapest minimum coverage at $50 per month. For full coverage, Kemper stands out with a rate of $110 per month.

GEICO often offers the cheapest minimum coverage, but rates vary by driver. To find the most affordable car insurance, get quotes from several providers. Below is a table with the cheapest rates for various driver profiles.

Car insurance prices vary, so compare Waterbury rates to find the cheapest. We detail the most affordable state minimum and full coverage options below.

GEICO offers the cheapest minimum coverage auto insurance at $50 per month. Kemper follows closely with a rate of $58. See the breakdown of the cheapest options in the table below.

Kemper offers the most affordable full coverage car insurance in Waterbury at $110 per month. Below is a list of other providers and their rates.

To find affordable car insurance in Waterbury, get quotes from several companies. GEICO offers the cheapest rate at $978 annually, while Amica Mutual is the best-rated provider with a MoneyGeek score of 95. Check the table below for more options to consider in your search.

*Rates are for a 40-year-old driver with good credit and no driving violations.

Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $2,233 per year for 40-year-olds and $2,259 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.

GEICO offers the cheapest overall car insurance for teens in Waterbury, with a monthly rate of $133, saving $85 compared to the state average. The table below breaks down more affordable providers for this age group.

*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.

GEICO offers the best minimum coverage rate for young drivers in Waterbury at $64 per month. For full coverage, Kemper provides the most affordable option at $129 per month. Check the table below to see which providers offer the cheapest rate for different young driver profiles.

Kemper offers the most affordable auto insurance for young drivers at $96 per month. Other companies with competitive rates include GEICO and Amica Mutual. The table below shows other companies with competitive rates.

*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.

GEICO and Kemper offer some of the most affordable car insurance rates in the city, but costs vary based on many factors. Below is a table showing the cheapest providers for different driver and coverage profiles that may better fit you.

GEICO offers the cheapest monthly premium for seniors at $81 for both minimum and full coverage. Kemper follows as the second most affordable option, with a rate of $88 per month. The table below shows options of the top car insurance providers for seniors in Waterbury.

*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.

In Waterbury, high-risk drivers face higher insurance rates than the state average, with minimum coverage costing $2,171 and full coverage $4,386. This is compared to the state averages of $1,998 for minimum and $3,982 for full coverage. Drivers with bad credit and DUIs pay the most, while accidents and speeding tickets have a smaller impact on costs.

State Farm offers the cheapest minimum coverage for drivers with a DUI in Waterbury at $1,166 per year. Progressive provides the most affordable full coverage at $2,698 annually. Check out the table below for more low-cost coverage options.

*Rates are for a 40-year-old driver with good credit and a DUI.

GEICO, Kemper, and State Farm provide the cheapest car insurance for drivers with an at-fault accident in Waterbury. The cheapest auto insurance after an at-fault accident can help drivers save. Below, you'll find a table of different providers offering affordable coverage options for these drivers.

*Rates are for a 40-year-old driver with good credit an at-fault accident.

GEICO is the cheapest car insurance provider for drivers with a speeding ticket in Waterbury, offering minimum coverage for $58 and full coverage for $132. Check the table below to see how other providers charge drivers with a speeding ticket.

**Rates are for a 40-year-old driver with good credit and a speeding ticket.*

For drivers with bad credit, most affordable rates for drivers with bad credit in Waterbury are offered by GEICO at $78 per month for minimum coverage and Kemper at $160 for full coverage. Check the table below for other affordable options.

*Rates are for a 40-year-old driver with bad credit and no driving violations.

In Connecticut, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:

• $25,000 for bodily injury liability per person.
• $50,000 for bodily injury liability per accident.
• $25,000 for property damage liability per accident.
• $25,000 uninsured motorist bodily injury per person.
• $50,000 uninsured motorist bodily injury per accident.

For example, if you're in an accident causing $20,000 in damages, your minimum coverage will help cover the costs, keeping you financially secure.

GEICO shines as the cheapest in Waterbury for minimum coverage, while Kemper wins for full coverage. No matter your age or credit, you'll find plans that work for you. Just make sure you have what Connecticut requires: liability and uninsured motorist coverage. Shop around to get the best price but still meet the legal needs of the Nutmeg State.

This section offers quick answers to common questions about finding affordable and best car insurance options in Waterbury. Learn about the cheapest plans and state minimum coverage to help you make informed decisions with ease.

MoneyGeek conducted an analysis of Waterbury auto insurance prices using data from the Connecticut Department of Insurance and Financial Services and Quadrant Information Services.

Waterbury Driver Profile

To assess the best and most affordable auto insurance options for Waterbury residents, MoneyGeek used the following sample driver profile:

• 40-year-old male
• Clean driving history
• 2012 Toyota Camry LE
• 12,000 miles driven per year

By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.

Coverage Levels in Waterbury

In assessing the car insurance quotes for Waterbury, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Connecticut's mandated liability insurance parameters:

The minimum coverage requirements in Connecticut are:

• $25,000 for bodily injury liability per person.
• $50,000 for bodily injury liability per accident.
• $25,000 for property damage liability per accident.
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident

To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability
• Comprehensive and collision coverage with a deductible of $1,000

MoneyGeek’s Scoring System

MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.

Insurers received scores as indicated below, with a total possible score of 100 points:

• General customer satisfaction (up to 35 points)
• Affordability (up to 30 points)
• Claims experience (up to 20 points)
• Essential coverages (up to 10 points)
• Financial stability (up to five points)

MoneyGeek’s Sources

To gauge rates and assess the best service experiences among Connecticut providers, MoneyGeek utilized six sources:

• Quadrant Information Services provided actual policy quotes in Waterbury
• J.D. Power's studies and the NAIC index contributed to the assessment of customer service
• Claims experience metrics came from J.D. Power and the CRASH Network’s report card
• AM Best and Demotech offered financial stability insights through their ratings

MoneyGeek gathered quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated insurance companies in Waterbury.

For a deeper understanding of our research, visit MoneyGeek's methodology.