Waterbury, CT Auto Insurance Rates

Waterbury, CT residents can save $740 by comparing multiple quotes & reading reviews & research on Waterbury car insurance rates, quotes, agents & coverage.

Compare Quotes from Top Providers and Save now!

$1341 $1841 $2691

Latest Auto Insurance Reviews in Waterbury, Connecticut

State Farm
My Premium and deductible is competitive in the market I live in. There is a lot of mom and pop insurance shops that do really well around me. I've been with state farm my whole life and my rates are amazing.
I think in this situation you get what you pay for. The premium is very fair, customer service not so good. Best advice is take your chances that you don't have to call customer service very often.
My insurance offerings seem industry standard. I've switched coverage a couple of times but there wasn't any issues that arose when doing so. This allowed me to easily adjust my budget based on my current needs.
The most an insurance company will cover for bodily injury per accident. ... At the very least, you need to know how much you're paying and for what services.
Liberty Mutual
The cost and offers of the vehicle policies are quite similar with respect to other companies. Something that pleases me is that they respect the loyalty of their customers and with the passing of the years.
Encompass Insurance
I feel that we have very good coverage compared to others including things like repair of cracked windshields. I also like that we have a low deductible cost.
Encompass Insurance
I feel that we have very good coverage compared to others including things like repair of cracked windshields. I also like that we have a low deductible cost.
Narragansett Bay Insurance Company
The company has a very cooperative customer care who responds to any queries or any issue and at all time
American National Property And Casualty Company
I really like the premium price. we have yet to file a claim so we are satisfied with the company so far. If we have to file a claim I don't know how good the company will be but I guess we will find out.
It is easy to do business with them. Everything I've needed to do is online and fast. I've had one claim in ten years and they took care of everything in just days.
What I dislike about my insurance company is that I pretty much pay a lot of money because they raise my price every six months for no apparent reason.
New Jersey Manufacturers Insurance Company
They have the lowest rates in NJ and the highest quality customer service. I have been with them since I turned 18. I have always been treated fairly and had my claims settled quickly
State Farm
My accessibility and interactive customer service have been exceptional I must say. The offices are right around the corner from my home. My agent is amazing. We have had to file some claims over the years and never had any problems. They are always professional and supportive in any given situation.
More discounts available.
Write Your Review | Waterbury, Connecticut Auto Insurance Analysis
Safeco Insurance, Waterbury, CT
$154/1 month
Car Insurance Policy Holder
  • Single 20 Years old Male licensed 1 year ago with Own Honda CR-V EX-L used for Commute to Work or School with estimated annual mileage of 15,001 - 20,000.
  • vocational education & Freelancer.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $20K (Per Person Bodily Injury) / $40K (Per Accident Bodily Injury)
  • 25 K Property Damage
  • 50 K Personal Injury Protection
  • 20 K Uninsured Motorists Bodily Injury
  • 40 K Uninsured Motorists Property Damage

Waterbury Car Insurance Rate Comparisons

Waterbury, CT's average car insurance of $1841 differs from Bristol, CT (-$472), Watertown, CT (-$1), Wolcott, CT (+$89) and Connecticut (-$118)

Waterbury Bristol, CT Watertown, CT Wolcott, CT Connecticut
Median Insurance Rates $1841 -$472 -$1 +$89 -$118

Waterbury Car Insurance Savings By Neighborhood & Street Area

Waterbury Driver Street Residence & Car Locations Car Details in Waterbury Waterbury Driver Demographics Waterbury Auto Insurance Estimates Recent Waterbury Insurance Savings
East Farms
Fairbanks St2002 Cadillac Seville STS39 year woman$2039$781
Ashmun St2005 Chrysler Pacifica Base18 year female teenager$4633$531
Austin Rd2006 Buick Rendezvous CX66 year female senior$2356$631
Fairlawn Ave2009 Ford Fusion V6 SEL40 year married woman$1603$993
Other Area
Waterville St2010 Mazda Mazda3 s Sport77 year senior$2253$488
Wheeler St2012 Hyundai Sonata GLS16 year teenager$4596$612
Sheffield St2011 Nissan Rogue S74 year male senior$2346$716
Town Plot Hill
Macnamara St2010 Toyota Prius I19 year male teenager$5207$914
Greenmount Ter2013 Honda Civic LX27 year married man$2353$594
Seymour St2009 Acura TSX Base27 year man$2816$319

Waterbury Post DUI Car Insurance Rates

Waterbury Bethlehem Village Watertown Terryville Connecticut
Median Post DUI Insurance Rate $3424 -$430 -$2 +$761 -$220
Male Teenager Post DUI Insurance Rate $9895 -$1243 -$6 +$2198 -$635
Female Teenager Post DUI Insurance Rate $8115 -$1020 -$6 +$1802 -$521

The Post DUI insurance in Waterbury, CT's is $3424 compared to Bethlehem Village (-$430), Watertown (-$2), Terryville (+$761) and Connecticut (-$220)

In Waterbury, a male teenager with Post DUI pays $1780 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2006 Buick Rendezvous CX in Waterbury, CT would pay $10555 on auto insurance while a female teenager POST DUI would pay $8656.

Waterbury Car Insurance by Segment

Waterbury Teenagers Car Insurance Rates Comparison

8122 Waterbury Teenagers (7% of total population), 49% Male & 51% Female.

Waterbury Oakville Cheshire Village Bethlehem Village Connecticut
All Teenagers $4639 +$602 -$910 -$582 -$298
Male Teenager $5320 +$691 -$1043 -$668 -$341
Female Teenager $4363 +$566 -$856 -$548 -$280

Waterbury teenagers pay $4639 in insurance in contrast with Oakville (+$602), Cheshire Village (-$910), Bethlehem Village (-$582) and Connecticut (-$298). The difference between Male & Female teenagers in Waterbury is $957


  • 2013 Volkswagen Beetle Male Teenager Insurance Rate $5415
  • 2005 Chevrolet Silverado 2500HD Work Truck Female Teenager Insurance Rate $4329

Waterbury Men & Women Car Insurance

110074 Waterbury Adults (100% of total population), 47% Men & 53% Women.

Waterbury Southington Beacon Falls Heritage Village Connecticut
All Women $1748 -$19 -$19 +$380 -$112
Married Women $1675 -$19 -$19 +$363 -$108
All Men $2558 -$29 -$29 +$555 -$164
Married Men $2466 -$28 -$28 +$535 -$158

The typical insurance rate of $2558 that Waterbury Men pay varies from Southington (-$29), Beacon Falls (-$29), Heritage Village (+$555) and Connecticut (-$164). In Waterbury, married men pay $791 more than married women.


  • 2008 Lexus GS 350 Base Married Men Insurance Rate $2168
  • 2014 Kia Sorento LX Married Women Insurance Rate $2261

Waterbury Senior Car Insurance

19037 Waterbury Seniors (17% of total population), 43% Senior Men & 57% Senior Women.

Waterbury Terryville Middlebury Prospect Connecticut
All Seniors $2264 +$503 -$715 -$260 -$145
Senior Men $2319 +$516 -$732 -$266 -$149
Senior Women $2209 +$491 -$697 -$253 -$142

Waterbury seniors pay $2264 in insurance compared to Terryville (+$503), Middlebury (-$715), Prospect (-$260) and Connecticut (-$145). In Waterbury, senior men pay $110 more than senior women.

Waterbury Car Insurance Discounts for Multiple Vehicles

Waterbury Population with 1 Vehicle 17008 (40% of Waterbury population), 2 Vehicles 12705 (30% of the Waterbury population) and 3 vehicles 3903 (9% of the population)

Waterbury Thomaston Terryville Beacon Falls Connecticut
2 Vehicles $3498 +$416 +$777 -$40 -$224
3 Vehicles $5339 +$635 +$1186 -$61 -$342
4 Vehicles $7180 +$854 +$1595 -$82 -$460

Car Insurance Agents in Waterbury, CT

Rank Agent Name Agent Contact
1 IRA J. KAPLAN 331 Meriden Rd, Waterbury, CT 6705
2 Paul J. Fitzgerald 27 Woodtick Rd, Waterbury, CT 06705-2208

Waterbury Auto Insurance Rates Vary by Deductible

Low Deductible ($500) High Deductible ($1000)
Make & Model Example Claim Amount Yearly Premium Total Yearly Cost Yearly Premium Total Yearly Cost Net Savings for High Deductible Plan
Chevrolet, Camaro LT $1000 $1930 $2430 $1770 $2770 $-340
GMC, Yukon XL 2500 SLT $200 $2060 $2260 $1910 $2110 $150
Mazda, CX-9 Touring $1500 $2020 $2520 $1870 $3370 $-850
Toyota, 4Runner SR5 $500 $2130 $2630 $1990 $2490 $140
GMC, Yukon XL 2500 SLT $400 $1920 $2320 $1800 $2200 $120