Cheapest Car Insurance in Waterbury, CT (2026)

Waterbury drivers pay an average of $1,212 per year for minimum coverage and $2,136 per year for full coverage. Comparison shopping gives you confidence that you're getting the lowest rates.

• Cheapest minimum liability coverage: GEICO has Waterbury's cheapest minimum coverage at $628 per year ($52 monthly). That's 48% lower than the city average of $1,212, saving you $584 annually. Kemper ranks second for minimum coverage at $960 per year ($80 monthly), a 20% savings compared to the city average.
• Cheapest full coverage: GEICO offers the lowest full coverage at $1,377 annually ($115 monthly), 35% below the city average of $2,136. That's $759 in annual savings. Kemper's full coverage costs $1,722 per year ($144 monthly), still 19% below the city average but $345 more than GEICO annually.

Young drivers in Waterbury have the highest car insurance costs, while adults and seniors enjoy more affordable options. Here are the most budget-friendly insurers by age group:

• Adults: GEICO at $52 and Kemper at $80 monthly
• Seniors: GEICO at $76 and Amica at $102 monthly
• Young drivers: GEICO at $180 and Amica at $187 monthly

Young drivers can save with GEICO's Good Student Discount, earning up to 15% off by maintaining a B average or higher.  Amica rewards senior drivers aged 50 and older with its Mature Driver Discount for completing a defensive driving course.

Driving violations make car insurance more expensive, but shopping around helps you find better rates. These companies offer the most affordable coverage in Waterbury for drivers with violations:

• Accident: GEICO at $73 and Amica at $105 monthly
• Ticket: GEICO at $60 and Amica at $103 monthly
• DUI: State Farm at $121 and Kemper at $134 monthly 

In Connecticut, minor violations stay on your record for three years before rates decrease.

Insurance costs fluctuate across Waterbury neighborhoods based on your ZIP code. Areas like 06704 and 06706 cost $195 monthly for full coverage, making them the priciest locations. Residents in 06701, 06702, 06705, 06708 and 06710 pay just $171 monthly.

GEICO earned 92 out of 100 on MoneyGeek's rating scale, establishing it as Waterbury's top car insurance provider, while Amica follows closely with 88 out of 100. It leads in affordability and delivers a solid customer experience. 

Our evaluation considered agent network ratings, complaint data from the National Association of Insurance Commissioners, J.D. Power studies and customer reviews across multiple platforms to measure how effectively insurers handle claims and support policyholders.

GEICO dominates in affordability and comprehensive coverage options. Amica excels in customer service and claims satisfaction. Both companies maintain excellent financial stability ratings.

See below for why each insurer is best and which fits your needs.

Waterbury drivers have some of Connecticut's highest car insurance premiums. Shop around, reduce your costs and secure the right coverage for your needs:

Our insurance experts provide answers to common questions about finding affordable car insurance in Waterbury:

We analyzed hundreds of thousands of quotes from major insurers using data from the Connecticut Insurance Department and Quadrant Information Services. Our research covered all Waterbury ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation. 

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Connecticut's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing winter weather claims or handling theft reports.

Coverage options (10%): More choices mean better odds of matching coverage to Waterbury risks like winter storm damage, uninsured motorists and theft in high-risk areas.