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.
Car Insurance in Waterbury
Updated: August 8, 2025
Advertising & Editorial Disclosure
Key Takeaways
Waterbury's cheapest car insurance companies are GEICO, Kemper and Amica, with savings up to 43% compared to the city average.
In Waterbury, monthly car insurance costs average $178 for full coverage and $101 for minimum coverage.
You'll find the best cheap auto insurance in Waterbury by comparing quotes from multiple sources and choosing the right level of coverage for your needs.
Who Has the Cheapest Car Insurance in Waterbury?
| GEICO | $52 | $115 | -43% |
| Kemper | $80 | $143 | -24% |
| Amica | $83 | $175 | -12% |
| State Farm | $113 | $222 | 14% |
| Nationwide | $135 | $219 | 20% |
Cheapest Waterbury Car Insurance by Category
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.
| Young Drivers | GEICO | $180 |
| Adult Drivers | GEICO | $52 |
| Senior Drivers | GEICO | $76 |
| Drivers With an Accident | GEICO | $73 |
| Drivers With a DUI | State Farm | $122 |
| Drivers With a Speeding Ticket | GEICO | $61 |
| Drivers With Bad Credit | Nationwide | $134 |
| Drivers With Newer Cars | GEICO | $58 |
| Drivers With Old Cars | GEICO | $46 |
Compare the Cheapest Waterbury Car Insurance for You
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.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| Geico | $52 | $628 | -54% |
| Kemper | $80 | $960 | -30% |
| Amica | $83 | $999 | -27% |
| State Farm | $113 | $1,356 | -1% |
| Allstate | $122 | $1,469 | 7% |
Best Car Insurance Companies in Waterbury
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.
| GEICO | 93 | 1 | 4 | 6 |
| Amica | 89 | 3 | 1 | 5 |
| Progressive | 81 | 5 | 2 | 2 |
| Kemper | 79 | 2 | 8 | 7 |
| Allstate | 79 | 4 | 6 | 3 |
GEICO: Most Affordable Overall
pros
Lowest rates in Waterbury
Multiple driver category wins
Easy quote process
cons
Limited coverage options
Average customer service ratings
COMPANY HIGHLIGHTS
GEICO ranks as Waterbury's top car insurance provider, offering the most affordable rates across multiple driver categories. The company leads the market for adult drivers, seniors, and those with speeding tickets or accidents. Strong affordability scores translate to real savings for Connecticut drivers. GEICO maintains competitive service standards while focusing on keeping premiums low.
Amica: Best Customer Service
pros
Top-rated customer experience
Quick claims processing
Strong coverage options
cons
Higher than average rates
Few local offices
COMPANY HIGHLIGHTS
Amica stands out for exceptional customer service in Waterbury, earning the highest satisfaction ratings among local providers. While rates run higher than some competitors, customers benefit from smooth claims handling and responsive support. The company's strong coverage options and professional service make it ideal for drivers prioritizing quality over cost.
How Much Is Car Insurance in Waterbury?
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.
| Full Coverage | $178 | $2,137 |
| Minimum Coverage | $101 | $1,214 |
Waterbury Car Insurance Cost by Category
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.
| Young Drivers | $306 | $518 |
| Adult Drivers | $101 | $178 |
| Senior Drivers | $150 | $250 |
| Drivers With an Accident | $158 | $277 |
| Drivers With a DUI | $190 | $336 |
| Drivers With a Speeding Ticket | $124 | $219 |
| Drivers With Bad Credit | $186 | $368 |
| Drivers With Newer Cars | $110 | $196 |
| Drivers With Old Cars | $91 | $161 |
Waterbury Car Insurance Costs by ZIP Code
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.
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ZIP Code:06701
| 06701 | $96 | $171 |
Compare Personalized Waterbury Car Insurance Costs
While our rate breakdowns show common scenarios, use this table to find average costs that match your age, driving record and other personal factors.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $101 | $1,210 | 30% |
How to Get the Best Cheap Waterbury Car Insurance
While Waterbury drivers face some of Connecticut's highest car insurance rates, you can lower your costs with the right approach. Here's your step-by-step guide to finding affordable coverage that meets your needs.
- 1
Calculate your coverage needs
Start by determining exactly how much coverage you need for your situation in Waterbury. Use our car insurance coverage needs calculator to get a personalized recommendation. Consider your car's value, your assets, and your comfort level with risk when making this decision.
- 2
Explore different coverage types
Familiarize yourself with various types of car insurance available in Waterbury. If you drive infrequently, consider pay-per-mile insurance. Don't own a car? Look into non-owner coverage for occasional driving.
- 3
Know the average costs
Research average vehicle insurance costs in Waterbury to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying. Your specific rate will depend on factors like your driving record and coverage choices.
- 4
Check available discounts
Look into every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts if you have multiple vehicles. Safe driver and good student discounts can also lead to significant savings.
- 5
Research insurance company ratings
Check customer reviews and financial strength ratings for insurance companies serving Waterbury. Look for insurers with strong claims-handling reputations and good customer service scores.
- 6
Get quotes from multiple insurers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites to compare rates. Make sure each quote includes the same coverage levels and deductibles for accurate comparison.
- 7
Review your policy annually
Life changes like improving credit scores, moving or buying a new car can affect your rates. Shopping around annually helps ensure you maintain the best rates for your situation.
Cheapest Car Insurance in Waterbury: Bottom Line
Car insurance rates in Waterbury depend on your driving record, credit score and coverage choices. GEICO and Kemper offer the lowest average premiums in the city, but compare quotes from multiple providers to find your best rate.
Cheap Waterbury Car Insurance: FAQ
Looking for affordable car insurance in Waterbury? Our FAQ section provides clear answers about finding the right coverage at the best rates. We'll help you understand your options and make confident decisions about your auto insurance needs.
What is the cheapest car insurance company in Waterbury, Connecticut?
GEICO offers the lowest rates in Waterbury, with average annual premiums of $628 for minimum coverage and $1,377 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Waterbury?
GEICO leads Waterbury's car insurance providers with a MoneyGeek score of 93 out of 100, scoring 4 points higher than Amica. GEICO delivers excellent value through competitive rates and quality service.
What is the average cost of car insurance in Waterbury?
In Waterbury, full coverage car insurance costs $2,137 annually, while minimum coverage averages $1,214. Your actual rates will vary based on individual factors.
Is car insurance in Waterbury expensive?
Car insurance in Waterbury costs more than average, ranking 259th for minimum coverage affordability and 245th for full coverage compared to all other Connecticut cities.
How We Chose the Best and Cheapest Car Insurance in Waterbury, CT
To help Waterbury drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Connecticut Department of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Connecticut to tailor options as closely as possible to you.
Waterbury Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 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 certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Waterbury
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Connecticut are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $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, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.