Waterbury, CT Car Insurance

The average cost for car insurance in Waterbury is about $129 a month. For more information refer to our guide below.
What rates should residents of Waterbury expect to pay for their car insurance? Compared to their surrounding area, how do rates in Waterbury stack up? What about against the rest of Connecticut? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Waterbury?

Area Average Monthly Car Insurance Premium
Waterbury$129
CT$114
United States$80

As you can see in the chart above, it is around $15 a month more expensive to insure your vehicle in Waterbury than it is in the rest of Connecticut.

Likewise, Waterbury residents will likely pay higher rates for their insurance policy than the rest of the country. Coverage in Waterbury is about $49 more expensive than it is for the rest of the U.S.

Bear in mind that while these rates are the average costs for Waterbury residents, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But don't worry, we've broken down the average rate for Waterbury residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$263
25-34$125
35-44$104
45-54Not Enough Data
55-64$96
65+$98

The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay $165 more than someone who is at retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates climb back up a bit once you hit retirement age in Waterbury.

Average Car Insurance Rates by Gender

Gender Average
Male$128
Female$130

In general, female drivers pay less for car insurance than their male counterparts. While male drivers actually pay slightly less than female drivers on their monthly auto coverage, the difference in Waterbury is only about $2 per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$178
Multiple Accidents$219
1 Ticket$167
Multiple Tickets$178

One of the key factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Waterbury with a single accident on their record will usually see rates around $167 a month. In addition, drivers with one ticket can expect to pay around $178 a month on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. 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$114
4-5 Years$119
6-7 Years$126
8-10 Years$141
11-14 Years$128
15 Years or Older$128

In terms of affordable coverage, the cheapest vehicles to insure in Waterbury are usually trucks and vans, at $109 per month.

SUV drivers will see rates of about $135 for auto insurance coverage, while car owners typically pay around $128 a month.

The age of your vehicle has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Waterbury, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$135
Married$98
Divorced$110
Widowed$76

More often than not, married policyholders will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Waterbury is no exception, with the difference totaling to around $37 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$111
Rent$131
Live with parents$257

One other element taken into consideration is your housing status. If you rent your home or apartment in Waterbury, expect to pay around $20 a month more than if you own your home. But if you live with your parents, your rates will be significantly higher.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.

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 before picking an insurance policy.

Car insurance rates in Waterbury rose from 2016-2017, when they hit a high of $156. This pattern shifted in 2020, when they began to decrease, and have continued to do so through the present, when insurance rates reached a low of $104 per month.

How does Waterbury compare to neighboring areas?

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

When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:

  • Road Safety (frequency of car accidents)
  • Community laws
  • Availability of off-street parking
  • Crime
  • Total amount of drivers in the community

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

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.

Fortunately, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer plans in Waterbury.

Compare the cheapest quotes from dozens of insurance companies

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 gender and age, as well as your credit score, driving record, marital status, and address.

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

Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates 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?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

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

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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?

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