Watertown, NY Car Insurance

The average cost for car insurance in Watertown is about $84 a month. To find out more check out our guide below.
What rates should residents of Watertown expect to pay for their car insurance? How does Watertown stack up to the rest of the area, or even New York as a whole? 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$84
NY$199
United States$81

Looking at the chart above, you can see it's around $115 a month cheaper to insure your vehicle in Watertown than it is in the rest of New York.

On the flip side, Watertown residents will likely pay higher rates for their insurance policy than the rest of the country. The cost of auto coverage in Watertown is about $3 more expensive than the national average.

While these are the average costs to insure your vehicle in Watertown, keep in mind that you could end up paying a different amount. Insurance companies take in a variety of factors when determining how much to charge you for coverage. 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 worry not, we've done the heavy lifting and broken down the average rate for Watertown to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

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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
45-54Not Enough Data
55-64$60
65+$55

It makes sense that the older you are, the more experience you have driving, right? That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.

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

Average Car Insurance Rates by Gender

Gender Average
Male$89
Female$81

Car insurance rates for men are usually slightly more expensive than they are for women. This rings true in Watertown, where women pay around $8 less per month than men. As illustrated in the table above, female drivers in the area pay about $81 on average, while male drivers pay around $89 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

Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Watertown, a driving record with a single accident will usually get you a rate around $75 a month.

Accidents, tickets, and other driving infractions can cost you some serious cash. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

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$95

The cheapest vehicles to insure in Watertown are typically trucks and vans, with each type typically costing about $60 per month.

Car owners, on the other hand, usually pay around $93 per month, while SUV drivers can expect to pay about $81 a month for auto insurance.

In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your rates begin to drop back down. In Watertown, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

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

Overall, those who have settled down into marriage will pay slightly less for auto insurance. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

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$89
Live with parents$71

Another factor taken into consideration is your living situation. Renters can expect to pay around $26 a month more than those who own their own home in Watertown. But if you live with your parents, you can expect to pay a lot more.

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

Car Insurance Companies in Watertown, NY

Recent trends in car insurance for Watertown 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 Watertown, the rates for car insurance rose from 2016-2019, but began to turn downward in 2020. This pattern has continued through 2021 when rates have most recently hit $71 per month.

How does Watertown compare to neighboring areas?

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

Car insurance companies look at many factors when they're choosing how much to charge for a policy. The specifics of where you live will have an impact on your personal policy. This might include things like:

  • Total number of drivers in the region
  • Rate of crime
  • General road safety (how many accidents each locality has)
  • Local regulations
  • Availability of off-street parking

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. 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 Watertown?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

But wait! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from several of the car insurance companies offering policies 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 you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.

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

Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

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

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Watertown or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes