Waterbury, CT Car Insurance

The average driving in Waterbury pays $160 per month for car insurance. Are you paying too much?

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Auto Insurance in Waterbury, Connecticut

Waterbury premiums are $378 greater than the average in Connecticut, which is why the city is recognized for its expensive premiums, so saving while insuring a vehicle in Waterbury is important. Going over some ways to save on Waterbury car insurance can save you some hard-earned money.

 

Waterbury Average (annual)Connecticut AverageNational Average
$1,922$1,544$1,548

 

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Waterbury Car Insurance by Accident or Violation History

Accidents and violations on your record can cost you in terms of premiums. Compared to at-fault accidents with damages less than $1,000, accidents with damages exceeding $2,000 cost you another 2% per year in premiums. In Waterbury, drivers with a DUI need to spend nearly double the average for the city to insure their vehicle. Reckless driving will bump your rates up as well, with typical rates of $3,526!

  • DUI: $3,577
  • Reckless Driving: $3,526
  • At-fault Accident (damages less than $1000): $2,844
  • At-fault Accident (damages greater than $2000): $2,901
  • Speeding Ticket (16-20 mph over speed limit): $2,261

Get more info on how a bad driving history can impact your car insurance costs.

 

 

Waterbury Car Insurance by Credit Rating

Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you 53% each year on premiums. Drivers can save an average of $473 per year when they upgrade their credit tier from Very Poor (300-579) to Fair (580-669).

  • Very Poor: $3,642
  • Fair: $3,012
  • Good: $2,479
  • Very Good: $2,006
  • Exceptional: $1,701

Learn more about the relationship between poor credit and car insurance.

 

 

Waterbury Car Insurance by Age

Teenage drivers have the highest rates amongst all the age groups, with car insurance payments of $8,314 on average. The largest decrease in premiums for Waterbury drivers happens when they reach their 20s. Once out of the teenage age bracket, they save, on average, $5,693 on car insurance. Car insurance premiums continue to trend downward up until drivers turn 60. Among all age groups, drivers in their 50s have the lowest insurance rates, with rates of $1,771/year. People in their 40s ($1,838) and 60s ($1,840) aren’t paying much more.

  • Teenagers: $8,314
  • 20s: $2,621
  • 30s: $1,897
  • 40s: $1,838
  • 50s: $1,771
  • 60s: $1,840
  • 70s: $2,411

Learn more about the impact of age on auto insurance rates.

 

 

Waterbury Car Insurance by Gender and Marital Status

In Waterbury, both marital status and gender can play a role in your car insurance premiums. Premiums are cheaper for women than for men. Women typically pay $31 less than men each year for insurance. There is no difference in rates between those who are single and those who are widowed or divorced. In contrast, you spend roughly 5% more per year if you're single as opposed to married.

  • Female: $1,891
  • Male: $1,922
  • Single: $1,922
  • Married: $1,824
  • Divorced: $1,922
  • Widowed: $1,922

Learn more about how gender and marital status have on car insurance rates.

 

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Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.