Cheap Auto Insurance Quotes in Waterbury, CT (2023)

With a population of over 109,000, Waterbury has thousands of drivers on the road daily—finding their way through traffic to jobs, appointments, shopping, and family fun. With that many people on the road, accidents are bound to happen. Ensuring you have a solid insurance plan in place can protect you and your family while driving in Connecticut.

While watching out for other drivers is a top priority on the road, drivers in this state know all too well that crashes don’t always have to involve another person. In fact, in 2018, over 56 percent of all crashes in Connecticut were single-vehicle crashes. Having the kind of insurance that can protect you no matter what kind of accident you are in is important.

Car Insurance in Waterbury, CT

The average cost of Connecticut car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Waterbury, CT to find you the cheapest quotes in the area.

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• Cheap Car Insurance Connecticut

• Compare Car Insurance

Cheapest Car Insurance in Waterbury, CT

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Waterbury, CT

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Waterbury. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in Connecticut

All motor vehicles operated or parked on Connecticut roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Connecticut^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Connecticut is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $25,000 per person for uninsured/underinsured motorist bodily injury

• $50,000 per accident for uninsured/underinsured motorist bodily injury

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Connecticut, you’re required to purchase insurance that covers bodily injuries under these circumstances.

Waterbury Car Insurance Rates by Driver Age

All but the most affluent Waterbury teenagers will have a hard time paying for car insurance at $716 per month. Connecticuters see their prices go down as the number of years behind the wheel goes up. That’s why young adults in their 20s chop more than $250 off what teen drivers pay. From that point, except for those in their 40s, everyone beats the state average of $297. Those in their 60s win the day and snag a premium that’s over $500 cheaper than what the youngest drivers shell out.

Waterbury Car Insurance Rates by Driving and Accident History

In the Constitution State, safe driving saves the day. Drivers cruise with the peace of mind that defensive driving provides, and insurance companies reward the most responsible motorists with “good driver” and “accident-free” discounts. But that all goes “bye-bye” if there’s a missed alarm clock and a driver races to work or school and receives a speeding ticket; their new premium is $434 per month. Worst of all, a failure-to-stop violation pumps the rate up by $199 per month. The good news is after three years of careful driving, tickets and accidents stop affecting rates.

See More:

• High-risk Car Insurance Connecticut

• DUI Car Insurance Connecticut

Waterbury Car Insurance Rates by Credit Tier

Many Waterbury residents have wondered just what credit has to do with driving. In Connecticut, like most states, insurance companies use credit when setting rates. Typically, drivers with better credit pay less. Why do those with average credit pay less than those with good credit? Drivers with better credit can finance costlier cars and need more coverage to protect their assets. Either way, moving from poor to excellent credit will save over $90 per month, or $1,080 per year.

See More: Bad Credit Car Insurance Connecticut

Find local Waterbury agents

Waterbury, CT DMV Information

Want to visit the Waterbury DMV? You’ll have to make an appointment first. However, once here, you can take care of all your driver’s license and titling needs. The office is located at 2210 Thomaston Ave. Vehicle and licensing services are taken care of by DMVs across the state. You aren’t limited to the Waterbury location. The quickest way to check off your DMV to-do list, however, is by going online. The Connecticut DMV offers a range of driver licensing and vehicle services that can be taken care of in just a few clicks. Want to be reminded when registration renewal is due? You can sign up for email notifications online as well.

Public Transportation in Waterbury, CT

CTTransit is the face of public transportation in Waterbury. Residents can get around town using this system of buses and other paratransit options. Local bus routes make frequent stops, typically every two to three blocks, linking neighborhoods to urban centers and providing connections within and between communities. Waterbury itself has over 31 routes, including express services and a bus rapid transit system, CTfastrak. There is also a rail service connecting Waterbury to Bridgeport. Traditional taxis operate here, as well as on-demand ride providers Uber and Lyft.

For more detailed Connecticut city level guides, check out these below.

• Average Cost of Car Insurance Rates in Connecticut

• DUI Car Insurance Rates in Connecticut

• High-Risk Driver Car Insurance Rates in Connecticut

• Connecticut Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Connecticut

• SR-22 Insurance in Connecticut

How to get the best and cheapest car insurance in Hartford

As New England drivers know too well, enough of their precious time is wasted sitting in traffic each year. There’s no need to waste more time finding the perfect auto insurance policy.

Use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.

There are nearly 1.4 million registered vehicles in Connecticut- and with an estimated 9.4 percent of Connecticut vehicles driving uninsured, with driving comes huge risk. Don’t become just one more uninsured motorist—use Insurify to get the best coverage and rates for your car at a price that works for you.

FAQs - Waterbury, CT Car Insurance