Car Insurance in Waterbury, CT – Cheapest to Insure (2025) + Rankings

• Waterbury car insurance rates cost an average of $2,908 per year, or about $242 per month.
• Monthly car insurance rates for a few popular vehicles in Waterbury include the Toyota Corolla at $236, Honda Accord at $234, and Subaru Forester at $216.
• SUV models like the Mazda CX-5, Toyota Corolla Cross, and Chevrolet Trailblazer get the nod for cheap car insurance in Waterbury.
• Models with segment-leading car insurance rates include the Nissan Titan, Acura RDX, Honda Passport, and Mercedes-Benz CLA250.

What is average car insurance cost in Waterbury?

Average car insurance cost in Waterbury is $2,908 per year, which is around $242 per month. Waterbury car insurance costs 26.8% more than the overall U.S. national average rate of $2,221.

Average auto insurance cost in Connecticut is $2,674 per year, so Waterbury drivers pay an average of $234 more per year than the overall Connecticut state-wide average rate. The average cost of auto insurance in Waterbury compared to other Connecticut cities is about $116 per year cheaper than in Bridgeport, $304 per year more expensive than in Stamford, and $104 per year less than in Hartford.

The age of the rated driver is one of the largest influencers on the cost of auto insurance, so the list below details how age impacts cost by showing average car insurance rates for driver ages from 16 to 60.

Average car insurance cost for Waterbury, CT, drivers age 16 to 60

• 16 year old – $10,359 per year or $863 per month
• 17 year old – $10,036 per year or $836 per month
• 18 year old – $8,995 per year or $750 per month
• 19 year old – $8,190 per year or $683 per month
• 20 year old – $5,850 per year or $488 per month
• 30 year old – $3,102 per year or $259 per month
• 40 year old – $2,908 per year or $242 per month
• 50 year old – $2,578 per year or $215 per month
• 60 year old – $2,416 per year or $201 per month

The next chart shows additional data for the 20 to 60-year-old age groups by including rates for three different policy deductibles. Showing these different rates can help you understand how auto insurance cost increases with lower deductibles, and decreases when the policy has higher deductibles.

The average cost of car insurance per month in Waterbury is $242, and ranges from $170 to $567 for the driver ages and policy deductibles shown above.

Car insurance rates are not static and small changes in a driver’s risk profile can cause significant changes in car insurance premiums. The high chance of significant rate differences increases the need to get multiple auto insurance quotes when trying to find the cheapest car insurance coverage.

The cost of car insurance for Waterbury’s favorite vehicles

The car insurance rates referenced up to this point consist of an average based on every 2024 vehicle model, which is helpful when making generalized comparisons like the average cost difference between different locations in Connecticut. But for more useful auto insurance cost comparisons, we get better data if we analyze the exact vehicle being insured.

In the next few sections, we do cost comparisons for all different kinds of vehicles, but for now, a few of the most popular models will be used to see how car insurance prices size up in Waterbury.

This next chart details the cost of car insurance in Waterbury for popular cars, trucks, and SUVs. At the end of this article, there is a section that explores the cost of insuring some of these vehicles in much more detail.

What are the cheapest vehicles to insure in Waterbury?

When comparing all 2024 makes and models, the vehicles with the most affordable car insurance quotes in Waterbury, CT, tend to be compact SUVs and crossovers like the Chevrolet Trailblazer, Subaru Crosstrek, and Toyota Corolla Cross. Average auto insurance rates for those crossover SUVs cost $2,362 or less per year for a policy with full coverage.

A few other models that are in the top 20 in our cost comparison are the Honda CR-V, Volkswagen Tiguan, Nissan Murano, and Subaru Outback. Average rates are a little higher for those models than the cheapest crossover SUVs at the top of the rankings, but they still have average rates of $2,530 or less per year, or $211 per month.

The following table breaks down the cheapest vehicles to insure in Waterbury, sorted by average cost.

A table of 20 of the cheapest vehicles to insure in Waterbury is not the most useful way to show a detailed summary of car insurance rates in Waterbury. Considering the fact that we rate over 700 vehicles, less than 3% of makes and models are shown in the table. Let’s try a different approach and break out the vehicles with the best rates in a better format, by vehicle segment.

The section below showcases the cost of insurance based on different automotive segments. The rates shown in the chart will give you a good foundation of the vehicle segments that have the overall least expensive average auto insurance rates. If you read beyond the chart, the next six sections rank the most affordable auto insurance in each automotive segment.

Average cost to insure by segment

When shopping for a different vehicle, it’s advantageous to know which types of vehicles have cheaper car insurance rates.

To illustrate this, you may be curious if midsize cars cost less to insure than full-size cars or if full-size SUVs have more expensive insurance than midsize or compact SUVs.

The next chart displays the average cost of car insurance rates in Waterbury for different vehicle segments. From a segment comparison perspective, small SUVs, vans, and midsize pickups have the cheapest average auto insurance rates, while exotic performance cars have the most expensive overall rates.

Average rates by automotive segment are suitable for making an overall comparison, but the insurance cost for specific vehicles ranges considerably within each vehicle segment listed in the chart above.

For example, in the midsize SUV segment, rates range from the Honda Passport at $2,316 per year for full coverage insurance to the Rivian R1S costing $3,576 per year, a difference of $1,260 within that segment. In the large SUV segment, the cost of insurance ranges from the Chevrolet Tahoe costing $2,734 per year up to the Toyota Sequoia at $3,638 per year.

In the sections going forward, we eliminate this variability by looking at the cost of car insurance in Waterbury for specific vehicles rather than by segments.

Cars with the cheapest insurance rates in Waterbury

The three top-ranked 2-door and 4-door sedans and hatchbacks with the most affordable auto insurance rates in Waterbury are the Toyota GR Corolla at $2,528 per year, the Nissan Leaf at $2,546 per year, and the Honda Civic at $2,574 per year.

Additional cars that rank well are the Toyota Corolla, Toyota Prius, Chevrolet Malibu, and Kia K5, with average annual insurance rates of $2,836 per year or less.

Ranked in the lower half of the top 20, cars like the Mazda 3, Hyundai Ioniq 6, Hyundai Sonata, Subaru Legacy, and Volkswagen Arteon cost between $2,836 and $3,006 per year for insurance.

On a monthly basis, full-coverage insurance on this segment in Waterbury for a middle-age safe driver will start around $211 per month, depending on your location.

The table below ranks the cars with the most affordable car insurance rates in Waterbury, starting with the Toyota GR Corolla at $2,528 per year and ending with the Mazda 3 at $3,006 per year.

For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Don’t see insurance rates for your vehicle? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Waterbury car insurance quotes from top auto insurance companies in Connecticut.

Cheap SUVs to insure in Waterbury

The most affordable non-luxury SUVs to insure in Waterbury are the Subaru Crosstrek at $2,148 per year, the Chevrolet Trailblazer at $2,186 per year, and the Kia Soul at $2,272 per year.

Not the cheapest SUVs to insure, but still affordable, are models like the Hyundai Venue, Mazda CX-5, Toyota Corolla Cross, and Buick Envision, with average annual insurance rates of $2,384 per year or less.

On a monthly basis, full-coverage insurance in Waterbury on this segment for the average driver will start around $179 per month, depending on your location. The next table ranks the twenty SUVs with the most affordable average insurance rates in Waterbury, starting with the Subaru Crosstrek at $2,148 per year ($179 per month) and ending with the Subaru Ascent at $2,532 per year ($211 per month).

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see your SUV in the table above? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Waterbury car insurance quotes from top-rated companies in Connecticut.

Cheapest sports car insurance rates

The top three sports cars with the lowest-cost average insurance rates in Waterbury are the Mazda MX-5 Miata at $2,692 per year, the Toyota GR86 at $3,066 per year, and the Ford Mustang at $3,196 per year.

Other cars that have cheaper rates include the Subaru BRZ, Lexus RC F, Nissan Z, and BMW M2, with average annual insurance rates of $3,478 per year or less.

Car insurance rates in Waterbury for this segment for a middle-age safe driver starts at an average of $224 per month, depending on where you live. The next table ranks the twenty sports cars with the cheapest average car insurance rates in Waterbury.

Looking for rates for a different vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Connecticut.

Cheapest pickups to insure

The top five models for the cheapest Waterbury auto insurance rates in the pickup segment are the Ford Ranger, Chevrolet Colorado, Nissan Titan, Ford Maverick, and Nissan Frontier. Car insurance rates for these vehicles average $2,818 or less per year.

Not the cheapest, but still very affordable, are models like the Honda Ridgeline, Toyota Tacoma, GMC Sierra 2500 HD, and Hyundai Santa Cruz, with an average cost to insure of $2,992 per year or less.

From a cost per month standpoint, full-coverage auto insurance in this segment for a middle-age safe driver will start around $214 per month, depending on your company and location. The comparison table below ranks the twenty pickups with the cheapest average insurance rates in Waterbury, starting with the Chevrolet Colorado at $2,562 per year and ending with the Ram Truck at $3,364 per year.

See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.

Don’t see your pickup model? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Waterbury car insurance quotes from top companies in Connecticut.

Cheap luxury cars to insure

For 2024 models, the five lowest-cost luxury cars to insure in Waterbury are the Acura Integra, BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. Average insurance rates for for these models range from $2,588 to $3,010 per year.

Also ranking well in our comparison are cars like the Cadillac CT4, Genesis G70, Mercedes-Benz AMG CLA35, and Lexus ES 350, with average annual insurance rates of $3,058 per year or less.

On a monthly basis, full-coverage insurance in this segment for an average middle-age driver starts at an average of $216 per month, depending on your company and location.

The comparison table below ranks the twenty luxury cars with the most affordable average insurance rates in Waterbury.

For more luxury car insurance comparisons, see our complete guide for luxury car insurance.

Looking for a different vehicle? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Connecticut.

Luxury SUVs with cheap auto insurance

Sitting at number one in Waterbury for cheapest average insurance in the luxury SUV segment is the Acura RDX, coming in at $2,434 per year. Second place is the Lexus NX 250 costing $2,576 per year, coming in third is the Cadillac XT4, costing an average of $2,628 per year, and the fourth most affordable is the Jaguar E-Pace, costing an average of $2,720 per year.

Not the cheapest to insure, but still ranked well, are SUVs like the Lexus NX 350h, Lexus NX 450h, Lincoln Corsair, and Mercedes-Benz GLB 250, with an average car insurance cost of $2,806 per year or less.

Ranking between positions 10 and 20, SUVs like the Lexus RX 350, Land Rover Evoque, Infiniti QX60, Cadillac XT6, Mercedes-Benz AMG GLB35, and Lexus NX 350 average between $2,806 and $2,920 per year for insurance.

As a cost per month, full-coverage auto insurance in Waterbury on this segment for a middle-age safe driver will start around $203 per month, depending on where you live.

The table below ranks the luxury SUVs with the most affordable insurance rates in Waterbury, starting with the Acura RDX at $2,434 per year and ending with the Lexus RX 350 at $2,920 per year.

See our guides for luxury SUV insurance to compare rates for additional makes and models.

Is your luxury SUV missing from the table above? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Connecticut.

What to expect when shopping for car insurance

To help show the extent to which car insurance rates can vary from one driver to the next, the charts below contain multiple rates for four popular models in Waterbury: the Ford F150, Toyota RAV4, Honda Pilot, and Toyota Camry.

Each chart uses different risk profiles to illustrate how rates can be very different when using different driver profiles.

Ford F150 insurance rates

Ford F150 insurance in Waterbury costs an average of $3,254 per year, or around $271 per month, and has a range of $2,698 to $7,518 annually.

The Ford F150 is a full-size truck, and other similar models that are popular in Waterbury, Connecticut, include the GMC Sierra, Ram Truck, Nissan Titan, and Toyota Tundra.

Toyota RAV4 insurance rates

Insurance for a Toyota RAV4 in Waterbury costs an average of $2,682 per year (about $224 per month) and has a range of $2,232 to $6,172 annually.

The Toyota RAV4 is a compact SUV, and other models popular in Waterbury include the Honda CR-V, Mazda CX-5, Ford Escape, and Chevrolet Equinox.

Honda Pilot insurance rates

In Waterbury, Honda Pilot insurance averages $2,832 per year (about $236 per month) and varies from $2,350 to $6,546.

The Honda Pilot is considered a midsize SUV, and additional similar models include the Ford Explorer, Toyota Highlander, and Kia Telluride.

Toyota Camry insurance rates

Toyota Camry insurance in Waterbury costs an average of $3,124 per year, or around $260 per month, and has a range of $2,598 to $7,184 per year for the sample risk profiles shown in the chart below.

The Toyota Camry is a midsize car, and other similar models that are popular in Waterbury include the Honda Accord, Kia K5, Hyundai Sonata, and Chevrolet Malibu.

Money-saving tips for finding cheaper auto insurance

Smart drivers in Waterbury are always looking to cut the monthly cost of insurance, so take a minute to read through the tips and ideas in this next list to see if you can save a few bucks the next time your policy renews.

• Shop your coverage around. Setting aside the time to get a few free car insurance quotes is a great way to save money. Rates are always changing and you do not even have to wait until your policy renewal date to switch.
• Research discounts to lower the cost. Savings may be available if the policyholders are good students, are accident-free, are senior citizens, are loyal customers, belong to certain professional organizations, or many other discounts which could save the average Waterbury driver as much as $492 per year on auto insurance.
• Remain claim free and save. Most car insurance companies offer discounts if you have no claims on your account. Insurance should be used to protect you from large financial hits, not nickel-and-dime type claims.
• If your vehicle is older, reduce coverage. Removing physical damage coverage from older vehicles that are not worth a lot can cheapen the cost considerably.
• Choose vehicles that have more affordable insurance. The type of vehicle you drive is an important factor in the cost of auto insurance. As an example, a Kia Telluride costs $1,132 less per year to insure in Waterbury than a Porsche 911. Lower performance vehicles cost less to insure.