Waterbury, CT Car Insurance

The average cost for car insurance in Waterbury is about $128 a month. Learn more in our handy guide below.
How does Waterbury compare to the surrounding area and the rest of Connecticut? What rates should residents of Waterbury expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Waterbury?

Area Average Monthly Car Insurance Premium
Waterbury$128
CT$114
United States$81

You can see in the chart above that it's around $14 a month more expensive to insure your vehicle in Waterbury than it is in the rest of Connecticut.

Similarly, residents of Waterbury might expect to pay higher rates for coverage than the rest of the country. It's around $47 more expensive to insure your vehicle in Waterbury compared to the average rate for the rest of the U.S.

While these are the average car insurance rates for Waterbury, keep in mind that you could end up paying a different amount. The amount that insurance companies end up charging you is determined by a number of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.

But worry not, we've done the heavy lifting and broken down the average rate for Waterbury to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$255
25-34$130
35-44$111
45-54$113
55-64$95
65+$106

The older you are, the more experience you're likely to have on the roads, right? When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay two times the price that drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement, however, you may see your rates begin to go back up in Waterbury.

Average Car Insurance Rates by Gender

Gender Average
Male$126
Female$130

Despite the national trend of women paying less than men to insure their vehicle, in Waterbury men actually pay $126 per month for coverage while women pay $130.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$166
Multiple Accidents$198
1 Ticket$164
Multiple Tickets$166

Your driving record can have a huge impact on your car insurance rates. Those with clean records will obviously pay much less than those with infractions. In Waterbury, drivers with one accident on their record will experience rates around $166 a month. In addition, drivers with a single ticket on their record can expect to pay around $164 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$117
2-3 Years$113
4-5 Years$117
6-7 Years$133
8-10 Years$151
11-14 Years$128
15 Years or Older$123

The cheapest vehicles to insure in Waterbury are usually trucks and vans, with each type typically costing about $108 per month.

SUV drivers will see rates of about $133, while the rates for car owners average out to about $129 a month.

You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Waterbury are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$133
Married$99
Divorced$111
Widowed$74

Overall, those who are currently married will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

According to the table above, the difference in rates based on relationship status in Waterbury can be as much as $34 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$112
Rent$130
Live with parents$255

One other element taken into consideration is your housing situation. In Waterbury, homeowners can expect to pay around $18 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Waterbury, CT

Recent trends in car insurance for Waterbury drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

In Waterbury, the rates for car insurance dropped from 2017-2018, before leveling out in 2019. Rates decreased again, reaching a low of $108 in 2021, and finishing up at $146.

How does Waterbury compare to neighboring areas?

Why are car insurance rates in Waterbury different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:

  • Area laws
  • Road safety
  • Total amount of drivers in the community
  • Off-street parking accessibility
  • Local crime rates

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Waterbury?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Good news! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Waterbury.

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Waterbury Insurance FAQs

What factors affect car insurance quotes in Waterbury?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, credit score, driving record, and marital status.

Why is the cost of car insurance in Waterbury different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Waterbury?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Waterbury?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Waterbury or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes