Waterbury Auto Insurance Rates, Quotes, Agents & Reviews in VT

Waterbury, VT Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Waterbury, VT, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Waterbury, VT are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Waterbury, VT Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Waterbury, VT with that of other cities in and around Waterbury.

Waterbury Bolton Washington County Duxbury Stowe Moretown
Average Insurance Rates $1,123 $1,087 $956 $1,119 $1,185 $1,116

Waterbury, VT Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Waterbury, VT based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Waterbury $1,635 $1,381
Duxbury $1,499 $1,266
Bolton $2,255 $1,904
Middlesex $1,723 $1,456
Moretown $1,468 $1,240
Stowe $1,792 $1,514
Worcester $1,606 $1,356
Washington County $966 $816

Waterbury, VT Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Waterbury, VT usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,644
20 Years $1,443
30 Years $1,111
40 Years $1,069
50 Years $990
60 Years $1,004
70 Years $1,169

Waterbury, VT Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Waterbury, VT can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,932 $314
3 Vehicles $2,897 $472
4 Vehicles $3,863 $629

Savings on 2 Vehicles bundle:$314

Savings on 3 Vehicles bundle:$472

Savings on 4 Vehicles bundle:$629


Waterbury, VT Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Waterbury, VT.

Location Average Insurance Cost Post DUI Insurance Rate
Waterbury $1,123 $2,321
Duxbury $1,119 $2,312
Bolton $1,087 $2,246
Middlesex $1,122 $2,319
Moretown $1,116 $2,306
Stowe $1,185 $2,449
Worcester $1,092 $2,257
Washington County $956 $1,976

Waterbury, VT Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $964
Excellent (740-799) $1,100
Good (670-739) $1,170
Average (580-669) $1,527
Poor (300-579) $1,832

Waterbury, VT Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$49 $1,172
Driver's Failure In Showing Documents +$109 $1,232
Driving With An Expired Registration +$116 $1,239
Driving At A Considerably Slow Pace +$244 $1,367
Using A Cellphone While Driving +$257 $1,380
Running A Red Light +$262 $1,385
Speeding +$275 $1,398
Driving A Vehicle Without The Required Permission +$349 $1,472
Driving With An Expired/Suspended License +$757 $1,880

Waterbury, VT Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,078
Active Disabling Device $1,078
Tracking Device $1,056
Passive Disabling Device $1,044