Car Insurance in Waterbury

GEICO offers the lowest car insurance rates in Waterbury, with average annual premiums of $628 for minimum coverage and $1,377 for full coverage. Kemper, Amica and State Farm also provide affordable coverage options in the city.

GEICO offers the cheapest rates in seven driver categories for Waterbury residents. State Farm wins for drivers with a DUI, while Nationwide provides the most affordable coverage for drivers with bad credit.

Your insurance rates depend on your driving record, age and other personal factors. Check the table below to find which companies offer the best rates for your specific driver profile.

In Waterbury, the leading car insurance companies are GEICO, Amica, Progressive and Kemper. These insurers stand out for offering competitive rates, quality customer service and comprehensive coverage options.

In Waterbury, minimum coverage costs about $101 per month or $1,214 per year, ranking 259th out of all Connecticut cities for affordability. Full coverage averages $178 monthly or $2,137 annually, ranking 245th among Connecticut cities.

In Waterbury, monthly coverage costs vary from $91 to $518 depending on the driver profile. Check the table below to see rates for your category.

In Waterbury, car insurance rates by ZIP code range from $96 to $195 per month. ZIP code 06704 is the most expensive, while 06701 is the cheapest. Check the average rates for your ZIP code on the table below.

While our rate breakdowns show common scenarios, use this table to find average costs that match your age, driving record and other personal factors.

Car insurance rates in Waterbury depend on your driving record, credit score and coverage choices. GEICO and Kemper offer the lowest average premiums, but compare quotes from multiple providers to find your best rate.

Find answers about affordable car insurance in Waterbury, including how to get the right coverage at competitive rates and make confident decisions about your auto insurance.

Waterbury drivers pay some of Connecticut's highest car insurance rates, but premium differences between insurers can exceed $1,000 annually. We gathered quotes from 12 major insurers across all Waterbury ZIP codes using data from the Connecticut Insurance Department and Quadrant Information Services to identify which companies offer the best combination of affordability, service quality and coverage options.

Sample Driver Profile

We built our rate analysis around a baseline Waterbury driver profile, then adjusted key factors to calculate rates for different demographics:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license
• Currently insured
• No claims history

We adjusted age, driving record, credit score and military affiliation to compare rates for teens, seniors, high-risk drivers and military families. This approach reveals which insurers specialize in specific driver categories rather than assuming one company works best for everyone.

Coverage Levels Analyzed

Connecticut's minimum coverage requirements set the baseline for our comparisons:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $25,000 property damage liability per accident

Full coverage rates include higher liability limits plus comprehensive and collision coverage:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident
• Comprehensive and collision insurance with $1,000 deductibles

Full coverage adds comprehensive and collision to your liability policy, paying repair or replacement costs for your vehicle in addition to covering damage you cause others. Most lenders require full coverage for financed or leased vehicles.

Company Rating Factors

We scored insurers on three factors weighted by importance to Waterbury drivers:

Affordability (60%): Rate comparisons across multiple driver profiles matter most because Waterbury drivers face Connecticut's highest average premiums. We evaluated quotes for each demographic category to identify consistently competitive insurers.

Customer experience (30%): We analyzed Google reviews, J.D. Power ratings, AM Best scores and Reddit discussions to assess claims handling and customer service quality. Strong ratings indicate reliable support when you need to file a claim.

Coverage options (10%): We reviewed discounts, policy features and unique benefits each insurer offers. More options increase your chances of finding coverage that matches your needs.