Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Waterbury, NE
We monitor insurance prices, helping the average driver in Waterbury save up to 39.3% on car insurance.
The Cheapest Minimum Coverage in Waterbury
The chart below shows the cheapest car insurance company in Waterbury for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Farm Bureau, followed by American Family Insurance, State Farm, and Progressive.
| Waterbury Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $34 |
| American Family Insurance | $40 |
| State Farm | $40 |
| Progressive | $48 |
Savings for Every Kind of Waterbury Driver
Based on our extensive insurance data, we know the average Waterbury driver will save about 39% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $547 per year by choosing the right vehicle insurance company. Some Waterbury residents are paying out over $1,394 extra every year for auto insurance in Waterbury. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Waterbury, NE Savings / Yr. |
|---|---|
$547 |
|
$412 |
|
$386 |
|
$300 |
|
$1,323 |
|
$158 |
|
$731 |
Waterbury Car Insurance vs. Nebraska
People living in Waterbury pay an average of 2.25% less than the typical driver in the state. The average driver in Waterbury can expect to pay about $572 per year, or $1,394 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Waterbury for most people.
Car Insurance Prices by Waterbury Neighborhood
Insurance Prices
Where is insurance cheapest within Waterbury?
The map shows insurance prices in and around Waterbury, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $45 per year within the city boundaries, with insurance premiums ranging from a high of $1,432 to a low of $1,387. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Central parts of Waterbury.Pick the Best Car Insurance Company for You in Waterbury
The best car insurance provider for most drivers in Waterbury
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $547 over the average Waterbury car insurance company.
The best car insurance provider for Waterbury drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $412 over the competition.
The best car insurance company for Waterbury drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $386 better than other car insurance companies.
The best auto insurance for Waterbury drivers with a DUI conviction
Getting a quote from American Family Insurance may cost the average person with a DUI about $300 less each year.
The least expensive car insurance company for new and young drivers in Waterbury
In Waterbury, Farmers Mutual of Nebraska costs young drivers $1,323 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Waterbury
Nationwide gave the largest car insurance discounts to married couples, averaging $158 saved each year compared to an average Waterbury couple's premiums.
The cheapest car insurance in Waterbury for drivers with bad credit
The best Waterbury car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Waterbury, which was better than other insurers.
The cheapest large national provider in Waterbury
For customers who prefer to work with large national providers, we recommend Nationwide for pricing. The average Waterbury driver can expect to pay about $98 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Waterbury, USAA has the best prices for good drivers, drivers with bad credit, drivers with speeding tickets, married couples, young drivers, drivers with a DUI conviction, and drivers with accidents.Auto Insurance Prices in and Around Waterbury
What Influences the Cost of Car Insurance in Waterbury?
On average, car insurance in Waterbury is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- Nebraska state insurance regulations may allow for lower prices.
- An average of 9 to 10 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Waterbury are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- Waterbury is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Waterbury is $48 per month for minimum coverage and $116 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Willis: Insurance costs 0.36% less
- Allen: Insurance costs the same
- Martinsburg: Insurance costs 2.73% more
- Jackson: Insurance costs 0.36% less
- Ponca: Insurance costs 0.36% more
- Hubbard: Insurance costs 0.65% less
- Emerson: Insurance costs 0.22% more
- Jefferson: Insurance costs 9.04% more
- North Sioux City: Insurance costs 9.47% more
- Dixon: Insurance costs 1.36% more
Cities with Similar Populations
- Hydaburg: Insurance costs 12.63% less
- Jameson: Insurance costs 14.13% more
- Jakeville: Insurance costs 18.29% more
- Ivory: Insurance costs 52.22% more
- Ita: Insurance costs 6.74% less
- Ischua: Insurance costs 52.15% more
- Isabella: Insurance costs 27.76% more
- Irwin: Insurance costs 10.98% less
- Ironto: Insurance costs 15.78% less
- Irona: Insurance costs 75.11% more