Cheapest Auto Insurance in Waterbury, Connecticut (2025)

Waterbury’s growing population and proximity to Connecticut’s capital can increase the city’s average car insurance rates.1 The overall average cost of car insurance in Waterbury is $277 per month, based on Insurify data.

This is more expensive than the national average, which is $144 per month, and the state average of $236 per month.

Here’s what you need to know about comparing rates and coverage options in Waterbury to find the best and cheapest car insurance for you.

3 of the cheapest car insurance companies in Waterbury

The best car insurance for you will match your budget and provide all the coverage you’re looking for based on your driving history and individual needs. While many insurance companies offer coverage, here are the top three options for cheap car insurance in Waterbury.

Best insurer for bundling: State Farm

Best insurer for discounts: GEICO

Best insurer for military members and veterans: USAA

How to get the cheapest car insurance in Waterbury

Car insurance rates depend on different personal factors, including your driving history, age, ZIP code, and credit history. Here’s what you can do to find cheap car insurance in Waterbury:

• Bundle multiple policies. Insurance companies usually offer savings if you bundle multiple insurance products. In addition to getting auto insurance coverage with a company, you may also get home insurance, condo insurance, renters insurance, life insurance, or business insurance.

• Look for discounts. Insurers offer different types of discounts like teen driver discounts, military affiliation discounts, good driver discounts, and more. See which ones you qualify for and compare the savings.

• Improve your credit. Having a low credit score may cause you to have more expensive rates. Practice good credit habits, like paying bills on time, reducing your credit utilization ratio, and limiting the new credit accounts you apply for.

Cheapest liability-only car insurance in Waterbury: State Farm

Liability-only car insurance is the minimum coverage that Connecticut law mandates. Waterbury drivers must comply and purchase minimum limits to cover bodily liability and property liability, which pay for the other parties’ injuries and damages in a car accident you cause.

Because this coverage is limited to only injuries and damages you cause others, you’re responsible for your own losses. Liability coverage is usually the cheapest car insurance you can get. Waterbury drivers pay an average of $225 per month for liability insurance, but the cheapest company is State Farm.

Here are other affordable liability insurance options in the city.

Cheapest full-coverage car insurance in Waterbury: State Farm

Full-coverage car insurance is a mix of multiple insurances. In general, it’s the state-mandated liability coverage plus collision coverage and comprehensive coverage. These added coverages provide more protection on the road and can cover your own vehicle damages, regardless of fault.

Connecticut drivers who want to maximize their coverage options and stay protected in many scenarios should look into full-coverage car insurance. It’s usually more expensive than liability insurance: The average cost is $329 per month in Waterbury, but the cheapest full-coverage rates are through State Farm.

If you want full coverage, here are the options for the cheapest car insurance in Waterbury.

Car insurance requirements in Connecticut

Connecticut is an at-fault — or tort — state. This means the at-fault driver in a car accident is responsible for paying for other parties’ damages and injuries, which their liability insurance can cover.

Connecticut drivers must purchase minimum coverage, also referred to as liability insurance, that meets 25/50/25 limits. Here’s what those numbers mean:4

In addition to the minimum coverage, you can purchase add-ons that increase your protection. While liability-only insurance may save you money, adding other insurance policies may be worth it, depending on your individual needs.

These are some common optional insurance coverages:

Cheapest car insurance for drivers with an incident

A speeding ticket, driving under the influence (DUI) conviction, an at-fault accident, or other moving violation on your driving record can increase your rates.

These incidents signal to insurers that you’re at a higher risk of filing a claim, and they’ll increase your premiums to offset that risk. For example, in 2023, Waterbury reported more than 3,800 car crashes, and drivers with at-fault accidents in the city pay an average of $281 per month for liability insurance.5

But more serious violations can increase your rates even more. Drivers in Waterbury with DUIs pay an average of $362 per month for liability coverage.

Here are the cheapest insurance companies for drivers, by their driving record.

Average cost of car insurance by age

Age is a major risk factor that insurance companies look at when setting rates. The average liability car insurance cost for teens and young adults in Waterbury, Connecticut, is $378 per month, which is much higher than what experienced drivers pay.

Premiums decline around age 35 with older drivers paying less, thanks to experience and other low-risk characteristics. But around age 70, premiums rise as senior drivers may experience coordination and vision declines that affect driving abilities.

Here’s how car insurance rates in Waterbury change based on driver age.

Waterbury car insurance quotes by credit tier

Insurance companies in Connecticut can use drivers’ credit histories when underwriting new policies. But when renewing policies, insurance companies can only use them if the driver requests or if it’ll reduce insurance premiums.2

Insurance companies consider drivers with poor credit scores as higher risk and charge more for insurance coverage. On the other hand, drivers with good or excellent credit usually pay cheaper rates.

Here’s how credit tiers affect Waterbury car insurance quotes.