Cheap Auto Insurance Quotes in Waterbury, CT (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

With a population of over 109,000, Waterbury has thousands of drivers on the road daily—finding their way through traffic to jobs, appointments, shopping, and family fun. With that many people on the road, accidents are bound to happen. Ensuring you have a solid insurance plan in place can protect you and your family while driving in Connecticut.

While watching out for other drivers is a top priority on the road, drivers in this state know all too well that crashes don’t always have to involve another person. In fact, in 2018, over 56 percent of all crashes in Connecticut were single-vehicle crashes. Having the kind of insurance that can protect you no matter what kind of accident you are in is important.

Car Insurance in Waterbury, CT

The average cost of Connecticut car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Waterbury, CT to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Waterbury, CT

Here are the cheapest carriers in Waterbury for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Waterbury, CT

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Waterbury. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Waterbury, CT Driving Facts

Minimum Car Insurance Requirements in CT

All motor vehicles operated or parked on Connecticut roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

Connecticut auto insurance requirements are among the most comprehensive in the country. Coverage requirements mandated by Connecticut law are a bit more comprehensive than the average state. The minimum liability car insurance requirements for private passenger vehicles in Connecticut are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)
  • $25,000/accident for Property Damage (PD)
  • $25,000 per person/$50,000 per accident Uninsured Motorist Bodily Injury (UMBI)
connecticut

Waterbury Car Insurance Rates by Driver Age

All but the most affluent Waterbury teenagers will have a hard time paying for car insurance at $716 per month. Connecticuters see their prices go down as the number of years behind the wheel goes up. That’s why young adults in their 20s chop more than $250 off what teen drivers pay. From that point, except for those in their 40s, everyone beats the state average of $297. Those in their 60s win the day and snag a premium that’s over $500 cheaper than what the youngest drivers shell out.

Driver's AgeAvg. Monthly Cost
teens$716
20s$435
30s$291
40s$313
50s$236
60s$197
70s$266
80sN/A
Driving HistoryAvg. Monthly Cost
No Violation$317
Speeding Ticket$434
At-Fault Accident$430
Failure to Stop for Red Light / Stop Sign$516

Waterbury Car Insurance Rates by Driving and Accident History

In the Constitution State, safe driving saves the day. Drivers cruise with the peace of mind that defensive driving provides, and insurance companies reward the most responsible motorists with “good driver” and “accident-free” discounts. But that all goes “bye-bye” if there’s a missed alarm clock and a driver races to work or school and receives a speeding ticket; their new premium is $434 per month. Worst of all, a failure-to-stop violation pumps the rate up by $199 per month. The good news is after three years of careful driving, tickets and accidents stop affecting rates.

Waterbury Car Insurance Rates by Credit Tier

Many Waterbury residents have wondered just what credit has to do with driving. In Connecticut, like most states, insurance companies use credit when setting rates. Typically, drivers with better credit pay less. Why do those with average credit pay less than those with good credit? Drivers with better credit can finance costlier cars and need more coverage to protect their assets. Either way, moving from poor to excellent credit will save over $90 per month, or $1,080 per year.

Credit TieAvg. Monthly Cost
Excellent$301
Good$343
Average$322
Poor$393

Waterbury, CT DMV Information

Want to visit the Waterbury DMV? You’ll have to make an appointment first. However, once here, you can take care of all your driver’s license and titling needs. The office is located at 2210 Thomaston Ave. Vehicle and licensing services are taken care of by DMVs across the state. You aren’t limited to the Waterbury location. The quickest way to check off your DMV to-do list, however, is by going online. The Connecticut DMV offers a range of driver licensing and vehicle services that can be taken care of in just a few clicks. Want to be reminded when registration renewal is due? You can sign up for email notifications online as well.

Public Transportation in Waterbury, CT

CTTransit is the face of public transportation in Waterbury. Residents can get around town using this system of buses and other paratransit options. Local bus routes make frequent stops, typically every two to three blocks, linking neighborhoods to urban centers and providing connections within and between communities. Waterbury itself has over 31 routes, including express services and a bus rapid transit system, CTfastrak. There is also a rail service connecting Waterbury to Bridgeport. Traditional taxis operate here, as well as on-demand ride providers Uber and Lyft.

Conclusion: How to get the best and cheapest car insurance in Waterbury, CT

Accidents cost drivers a lot in Connecticut. Not only do accident death rates rise year over year, but insurance claims amounting to millions of dollars translate to higher insurance rates regionally. This can leave policyholders wondering what they can do to reduce their insurance rates right now.

Rather than make phone call after phone call to individual insurance companies, Connecticut drivers can use Insurify to compare dozens of insurance quotes in seconds. Insurify’s AI-driven comparison engine gets to know who you are first by asking a series of simple questions regarding your vehicle and your driving habits. Getting to know you this way enables Insurify to return you the best coverage and rates at a price you can afford.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Waterbury stacks up for the state of Connecticut:

honda
Honda Accord
Most Popular Car in
Waterbury, CT
suspended licenses
#4
Cities with Most
Suspended Licenses Rank

FAQs - Waterbury, CT Car Insurance

Whose insurance company pays for an accident in Connecticut?

States are either at-fault or no-fault car accident states. Connecticut is an at-fault state, which means that the financial responsibility for an accident is always held by the person who caused the accident. Therefore, it is their insurance company that pays for any financial losses stemming from the accident, including injuries and lost income. You might also hear at-fault states referred to as “tort states.”

What is the best car insurance company in Connecticut?

The word “best” means something a little different to everyone. But at Insurify, you can view the best car insurance companies per city by looking at how companies rank using the Insurify Composite Score. This score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company, including industry reports, surveys, mobile app reviews, and user-generated reviews. As of this writing, the best car insurance companies in Waterbury according to their Insurify Composite Scores include Nationwide, GEICO, Liberty Mutual, and Travelers. “Best” can also mean best for your wallet. Shopping insurance plans using Insurify can help with that, too.

If I get comprehensive coverage, will it cover everything?

No. Even though the word itself tends to mean “full” or “complete,” in the insurance industry, it has a much more particular meaning. Comprehensive coverage covers things that might happen to your car outside of a collision—fires and floods included. Many times, these types of often costly events are also known as “acts of God.” Other types of coverage you may buy depending on your state and personal preferences include bodily injury (BI) and property damage (PD) liability coverage, personal injury protection (PIP), collision coverage, and uninsured/underinsured motorist (UM/UIM) coverage.