Watertown, NY Car Insurance

Residents of Watertown pay around $85 monthly for their car insurance coverage. To find out more check out our guide below.
How do rates in Watertown measure up compared to neighboring areas, including New York as a whole? What rates should residents of Watertown expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Watertown?

Area Average Monthly Car Insurance Premium
Watertown$85
NY$198
United States$80

Compared to the rest of the New York, coverage in Watertown is about $113 a month cheaper.

That being said Watertown residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's about $5 more expensive than the national average to insure your vehicle in Watertown.

These rates may be the average amount Watertown drivers pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.

But don't worry, we've broken down the average rates for Watertown residents based on several different factors so that you can get a more accurate idea of what you might 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$162
25-34$66
35-44$68
45-54$62
55-64$60
65+$55

The older you are, the more experience you're likely to have on the roads, right? When it comes to car insurance bills, that experience pays off. According to the table above, you can see that 18-24-year-olds pay $107 more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may rise again in Watertown.

Average Car Insurance Rates by Gender

Gender Average
Male$89
Female$81

Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in Watertown is around $8 a month. Based on the chart above, you can see that male drivers pay $89 on average, while female drivers typically pay $81 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$75
Multiple Accidents$81
1 TicketNot Enough Data
Multiple TicketsNot Enough Data

Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. Drivers in Watertown with one accident will pay around $75 a month.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$56
2-3 Years$76
4-5 Years$74
6-7 Years$91
8-10 Years$67
11-14 Years$97
15 Years or Older$96

According to the first table above, the cheapest vehicles to insure in Watertown are usually trucks and vans, at $63 per month.

Car owners, on the other hand, typically pay around $91 per month, while SUV drivers can expect to pay about $81 a month for insurance coverage.

In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is about 5 years old. The most expensive vehicles to insure in Watertown are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$89
Married$68

More often than not, those who are currently married will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

The difference in rates based on relationship status in Watertown can be as much as $21 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$63
Rent$90
Live with parents$71

One other element taken into consideration is your living situation. Drivers who own property in Watertown can expect to pay around $27 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Watertown, NY

Recent trends in car insurance for Watertown drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.

Car insurance rates in Watertown increased from 2016-2019, but began to decrease in 2020. This trend has continued through 2021 when rates have most recently reached $72 per month.

How does Watertown compare to neighboring areas?

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

When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Rate of crime
  • Frequency of car accidents
  • Number of drivers in the community
  • Off-street parking availability
  • Laws

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Watertown?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Fortunately, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from several of the car insurance companies offering coverage in Watertown.

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Watertown Insurance FAQs

What factors affect car insurance quotes in Watertown?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.

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

Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

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

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

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

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Watertown or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes