Cheapest Auto Insurance in Waterbury, Connecticut (2024)

The cheapest liability auto insurer in Waterbury is State Farm, which has rates as low as $69 per month.

Melanie Lockert
Written byMelanie Lockert
Melanie Lockert
Melanie Lockert
  • 10+ years writing on personal finance topics

  • Host of the Mental Health and Wealth podcast

Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Updated July 11, 2024

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Cheapest recent rates near Waterbury, Connecticut

Recent Waterbury, Connecticut car insurance prices for Toyota, Jeep, Nissan , and more.

*Quotes generated for Insurify users in and around Waterbury, Connecticut within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Waterbury, Connecticut within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Waterbury’s growing population and proximity to Connecticut’s capital can increase the city’s average car insurance rates.[1] The overall average cost of car insurance in Waterbury is $349 per month, based on Insurify data.

This is more expensive than the national average, which is $160 per month, and the state average of $288 per month.

Here’s what you need to know about comparing rates and coverage options in Waterbury to find the best and cheapest car insurance for you.

Quick Facts
  • The average cost of car insurance in Waterbury is $261 per month for liability coverage and $436 per month for full coverage.

  • State Farm, GEICO, and USAA offer the cheapest liability-only policies in Connecticut. 

  • Insurance companies in Connecticut can consider drivers’ credit histories when underwriting new auto insurance policies.[2]

3 of the cheapest car insurance companies in Waterbury

The best car insurance for you will match your budget and provide all the coverage you’re looking for based on your driving history and individual needs. While many insurance companies offer coverage, here are the top three options for cheap car insurance in Waterbury.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
State Farm9.3$96$96Bundling
GEICO9.0$118$118Discounts
USAA9.4$131$131Military members and veterans
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for bundling: State Farm

Compare personalized, real-time quotes
User Reviews
3.3
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$69/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$116/mo

Close to 44% of residents in Waterbury are homeowners, according to U.S. Census data.[1] State Farm offers home insurance and auto insurance, and when you bundle both, you could get an average savings of $1,073, according to the company website.

If you’re looking for cheap car insurance in Waterbury, State Farm has low rates and provides even more savings when you bundle it with a home insurance policy.

Pros
  • Savings of up to 23% when you bundle insurance products

  • Multiple teen-driver discounts

Cons
  • Online quotes not available

  • Gap insurance not available

Read more driver reviews of State Farm
Kharlos - July 7, 2024
Verified

Horrible

The Underwriter Crew is the worst ever! They unnecessarily added someone to my policy after I had already paid, then increased my policy. The person they added had a claim. They found out the claim was not mine and still refused to resolve the situation even after receiving all the information they asked for. They are the worst ever!

Kay - July 7, 2024
Verified

Unreliable

They are not trustworthy. They keep dropping coverage for no apparent reason.

Grace - July 7, 2024
Verified

I own a 2015 Toyota with low mileage, but my rates have been steadily increasing. I've been with this company for over 30 years. Now that I'm retired and drive less than 10 miles every two or three days, my rate has increased to $785 for six months starting this August. I've also been informed that the rates will continue to increase every six months. I've always received good service and I'm reluctant to leave this company. Is there any way this company can accommodate retired individuals like me?

I own a 2015 Toyota with low mileage, but my rates have been steadily increasing. I've been with this company for over 30 years. Now that I'm retired and drive less than 10 miles every two or three days, my rate has increased to $785 for six months starting this August. I've also been informed that the rates will continue to increase every six months. I've always received good service and I'm reluctant to leave this company. Is there any way this company can accommodate retired individuals like me?

Best insurer for discounts: GEICO

Compare personalized, real-time quotes
User Reviews
3.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$85/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$143/mo

The annual incomes in Waterbury are lower than average incomes in the state, and 21.9% of Waterbury residents live in poverty.[1] When financial means are limited, any discounts and savings can make a huge difference.

GEICO has some of the most affordable rates for Waterbury drivers and offers many discounts for safe driving, being a good student, or certain member affiliations. You can explore GEICO’s long list of discounts to see how it may help you save on car insurance.

Pros
  • Offers many discounts

  • No. 1 in J.D. Power’s customer satisfaction study for the New England region[3]

Cons
  • Limited agents in Connecticut

  • Doesn’t offer gap insurance

Read more driver reviews of GEICO
Ashley - July 7, 2024
Verified

Overpriced and not based on driving record

I would not recommend Geico to anyone and would suggest considering other companies.

Pam - July 7, 2024
Verified

Great Insurance

Excellent.

Peggy - July 7, 2024
Verified

Great Company, Switched Only Due to Cost

They provide excellent service.

Best insurer for military members and veterans: USAA

Compare personalized, real-time quotes
User Reviews
3.7
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$95/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$159/mo

Waterbury is home to around 3,500 veterans, a Veterans Affairs (VA) clinic, and the National Guard.[1] Military members, veterans, and their families have unique circumstances and can benefit from car insurance savings. USAA is a car insurance company that caters exclusively to the military and veteran community and provides affordable coverage.

Pros
  • Military-specific discounts

  • Above-average J.D. Power customer satisfaction rating in New England[3]

Cons
  • Gap insurance not available

  • Restrictive membership requirements

Read more driver reviews of USAA
Timothy - July 7, 2024
Verified

Decline of USAA

USAA has become just another big business that only cares about the dollar and has forgotten about veterans!

Thomas - July 7, 2024
Verified

Frustrated with the automated agent

The personal customer service is excellent. However, the automated agent is horrible.

Jeffrey - July 7, 2024
Verified

USAA has broadened its membership eligibility, but not for my parents

Shop carefully if you have time. USAA is no longer the best buy, especially since they have started mass audience advertising. It seems they are seeking a wider and more diverse customer base. Many features of the original organization are gone. Contacting them requires great patience. It's easier to reach most other insurance companies. Their phone contact security is overkill, meaning that callers need a multitude of PIN numbers, passwords, and other protective measures.

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How to get the cheapest car insurance in Waterbury

Car insurance rates depend on different personal factors, including your driving history, age, ZIP code, and credit history. Here’s what you can do to find cheap car insurance in Waterbury:

  • Bundle multiple policies. Insurance companies usually offer savings if you bundle multiple insurance products. In addition to getting auto insurance coverage with a company, you may also get home insurance, condo insurance, renters insurance, life insurance, or business insurance.

  • Look for discounts. Insurers offer different types of discounts like teen driver discounts, military affiliation discounts, good driver discounts, and more. See which ones you qualify for and compare the savings.

  • Improve your credit. Having a low credit score may cause you to have more expensive rates. Practice good credit habits, like paying bills on time, reducing your credit utilization ratio, and limiting the new credit accounts you apply for.

12 Ways to Lower Car Insurance Costs in 2024

12 Ways to Lower Car Insurance Costs in 2024

Cheapest liability-only car insurance in Waterbury: State Farm

Liability-only car insurance is the minimum coverage that Connecticut law mandates. Waterbury drivers must comply and purchase minimum limits to cover bodily liability and property liability, which pay for the other parties’ injuries and damages in a car accident you cause.

Because this coverage is limited to only injuries and damages you cause others, you’re responsible for your own losses. Liability coverage is usually the cheapest car insurance you can get. Waterbury drivers pay an average of $261 per month for liability insurance, but the cheapest company is State Farm.

Here are other affordable liability insurance options in the city.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$69
GEICO$85
USAA$95
Liberty Mutual$109
Midvale Home & Auto$125
Progressive$132
Travelers$141
CSAA$154
Nationwide$154
Allstate$162
Foremost$293
Bristol West$297
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Waterbury: State Farm

Full-coverage car insurance is a mix of multiple insurances. In general, it’s the state-mandated liability coverage plus collision coverage and comprehensive coverage. These added coverages provide more protection on the road and can cover your own vehicle damages, regardless of fault.

Connecticut drivers who want to maximize their coverage options and stay protected in many scenarios should look into full-coverage car insurance. It’s usually more expensive than liability insurance: The average cost is $436 per month in Waterbury, but the cheapest full-coverage rates are through State Farm.

If you want full coverage, here are the options for the cheapest car insurance in Waterbury.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$116
GEICO$143
USAA$159
State Auto$179
Liberty Mutual$210
Midvale Home & Auto$212
Progressive$221
CSAA$222
Travelers$235
Nationwide$258
Allstate$273
Foremost$330
Bristol West$498
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Waterbury, Connecticut

Recent Waterbury, Connecticut car insurance prices for Honda, Nissan, Toyota , and more.

*Quotes generated for Insurify users in and around Waterbury, Connecticut within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Waterbury, Connecticut within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Connecticut

Connecticut is an at-fault — or tort — state. This means the at-fault driver in a car accident is responsible for paying for other parties’ damages and injuries, which their liability insurance can cover.

Connecticut drivers must purchase minimum coverage, also referred to as liability insurance, that meets 25/50/25 limits. Here’s what those numbers mean:[4]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident 
Property damage liability$25,000 per accident
Uninsured/underinsured motorist$25,000 per person / $50,000 per accident

In addition to the minimum coverage, you can purchase add-ons that increase your protection. While liability-only insurance may save you money, adding other insurance policies may be worth it, depending on your individual needs.

These are some common optional insurance coverages:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for vehicle damages from non-collision events, like severe weather, falling objects, theft, vandalism, and more.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    If you hit a stationary object or another car, collision coverage will kick in and pay for your vehicle damages.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Personal injury protection coverage

    Personal injury protection (PIP) coverage reimburses you for medical expenses if you or your passengers sustain injuries in an accident, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental car reimbursement coverage

    Rental reimbursement coverage pays for a rental car while your vehicle is in the shop for repairs under a covered claim.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    Gap insurance covers the difference between your insurance settlement and remaining auto loan balance after a total loss.

Cheapest car insurance for drivers with an incident

A speeding ticket, driving under the influence (DUI) conviction, an at-fault accident, or other moving violation on your driving record can increase your rates.

These incidents signal to insurers that you’re at a higher risk of filing a claim, and they’ll increase your premiums to offset that risk. For example, in 2023, Waterbury reported more than 3,800 car crashes, and drivers with at-fault accidents in the city pay an average of $354 per month for liability insurance.[5]

But more serious violations can increase your rates even more. Drivers in Waterbury with DUIs pay an average of $407 per month for liability coverage.

Here are the cheapest insurance companies for drivers, by their driving record.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
State Farm$69$87$89$112
GEICO$85$108$111$138
USAA$95$121$124$154
Liberty Mutual$109$153$155$177
Midvale Home & Auto$125$165$173$203
Progressive$132$169$175$214
Travelers$141$181$185$229
CSAA$154$201$210$250
Nationwide$154$198$202$250
Allstate$162$206$211$263
Foremost$293$410$417$475
Bristol West$297$377$382$482
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Age is a major risk factor that insurance companies look at when setting rates. The average liability car insurance cost for teens and young adults in Waterbury, Connecticut, is $454 per month, which is much higher than what experienced drivers pay.

Premiums decline around age 35 with older drivers paying less, thanks to experience and other low-risk characteristics. But around age 70, premiums rise as senior drivers may experience coordination and vision declines that affect driving abilities.

Here’s how car insurance rates in Waterbury change based on driver age.

AgeAverage Monthly Quote
Teens$769
20s$503
30s$395
40s$379
50s$330
60s$297
70s$302
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Waterbury, CT

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Waterbury car insurance quotes by credit tier

Insurance companies in Connecticut can use drivers’ credit histories when underwriting new policies. But when renewing policies, insurance companies can only use them if the driver requests or if it’ll reduce insurance premiums.[2]

Insurance companies consider drivers with poor credit scores as higher risk and charge more for insurance coverage. On the other hand, drivers with good or excellent credit usually pay cheaper rates.

Here’s how credit tiers affect Waterbury car insurance quotes.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Waterbury car insurance FAQs

Here’s what you need to know about six- and 12-month insurance policies. Also, check out the answers to common questions about auto coverage in Waterbury below.

  • How much is car insurance in Waterbury?

    The average cost of car insurance in Waterbury is $261 per month for liability coverage and $436 per month for full coverage.

  • What are the cheapest car insurance companies in Waterbury?

    State Farm, GEICO, and USAA are the cheapest car insurance companies in Waterbury, with liability rates of $69, $85, and $95 per month, respectively.

    But the cheapest company for someone else may not be the cheapest for you. It’s important to compare rates from multiple companies to find the one that offers you the best deal. You can also use a quote-comparison website to help you look at multiple rates in one place.

  • What are the best car insurance companies in Waterbury?

    Some of the best car insurance companies in Waterbury include GEICO, State Farm, and USAA. These insurers offer relatively cheap average rates, advertise plenty of coverage options, and have high Insurify Quality (IQ) Scores.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. U.S. Census Bureau. "QuickFacts: Waterbury city, Connecticut."
  2. Connecticut General Assembly. "The Use of Financial History Measurement Programs in Automobile Insurance Underwriting or Rating."
  3. J.D. Power. "2023 U.S. Auto Insurance Study."
  4. Connecticut Insurance Department. "Auto Insurance Coverage Information."
  5. Connecticut Crash Data Repository. "CAST Dashboards: Last 3 years."
Melanie Lockert
Melanie Lockert

Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

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