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Get Cheap Car Insurance in Waterville, NY
We monitor insurance prices, helping the average driver in Waterville save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Waterville
The chart below shows the cheapest car insurance company in Waterville 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 Kemper, followed by Plymouth Rock Assurance, Safeco Insurance, and Geico.
| Waterville Insurer | Monthly Cost |
|---|---|
| Kemper | $77 |
| Plymouth Rock Assurance | $102 |
| Safeco Insurance | $110 |
| Geico | $114 |
Savings for Every Kind of Waterville Driver
Based on our extensive insurance data, we know the average Waterville driver will save about 30% 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 $621 per year by choosing the right vehicle insurance company. Some Waterville residents are paying out over $2,083 extra every year for auto insurance in Waterville. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Waterville, NY Savings / Yr. |
|---|---|
$621 |
|
$396 |
|
$791 |
|
$800 |
|
$1,961 |
|
$656 |
|
$1,045 |
Waterville Car Insurance vs. New York
People living in Waterville pay an average of 14.11% less than the typical driver in the state. The average driver in Waterville can expect to pay about $1,511 per year, or $2,083 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Waterville for most people.
Car Insurance Prices by Waterville Neighborhood
Insurance Prices
Where is insurance cheapest within Waterville?
The map shows insurance prices in and around Waterville, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $54 per year within the city boundaries, with insurance premiums ranging from a high of $2,098 to a low of $2,044. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northeast parts of Waterville.Pick the Best Car Insurance Company for You in Waterville
The best car insurance provider for most drivers in Waterville
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $621 over the average Waterville car insurance company.
The best car insurance provider for Waterville drivers with accidents on their records
In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $396 over the competition.
The best car insurance company for Waterville drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $791 better than other car insurance companies.
The best auto insurance for Waterville drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $800 less each year.
The least expensive car insurance company for new and young drivers in Waterville
In Waterville, Progressive costs young drivers $1,961 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Waterville
Progressive gave the largest car insurance discounts to married couples, averaging $656 saved each year compared to an average Waterville couple's premiums.
The cheapest car insurance in Waterville for drivers with bad credit
The best Waterville car insurance company for customer service
Nationwide was the best company for customer service in Waterville according to the NAIC.
Recent price drops
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The cheapest large national provider in Waterville
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Waterville driver can expect to pay about $183 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 Waterville, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, drivers with a DUI conviction, drivers with accidents, good drivers, married couples, and young drivers.Auto Insurance Prices in and Around Waterville
What Influences the Cost of Car Insurance in Waterville?
On average, car insurance in Waterville 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:
- The average commute time in Waterville is 26 minutes, which is far less than average for a driver in the state.
- New York state insurance regulations may require higher prices.
- An average of 11 to 12 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Waterville are about 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 A+ according to CrimeGrade.org.
- Waterville 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 Waterville is $126 per month for minimum coverage and $174 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
- Sangerfield: Insurance costs 0.48% more
- Forge Hollow: Insurance costs 1.68% less
- Five Corners: Insurance costs 0.53% more
- Stockwell: Insurance costs 0.48% more
- Daytonville: Insurance costs 1.87% less
- Paris Station: Insurance costs 1.44% less
- Deansboro: Insurance costs 0.86% less
- Oriskany Falls: Insurance costs 0.38% less
- North Brookfield: Insurance costs 0.72% more
- Cassville: Insurance costs 0.82% less
Cities with Similar Populations
- Pine Forest: Insurance costs 21.99% less
- Grove Hill: Insurance costs 27.36% less
- Garysburg: Insurance costs 38.65% less
- Fairchild AFB: Insurance costs 32.65% less
- El Dorado: Insurance costs 10.18% less
- Eagle: Insurance costs 33.85% less
- Dutton: Insurance costs 26.88% less
- Deposit: Insurance costs 2.88% more
- Damascus: Insurance costs 41.57% less
- Dale: Insurance costs 43.69% less