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Cheap Car Insurance in Waterville (Jan 2025)
Cheap Car Insurance in Waterville (Jan 2025)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Maine.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Head of Insurance Operations
Edited by Lina Zhang, Lisenced Insurance Agent
Learn more about our insurance review board
What's on this page?
- Cheapest Car Insurance Quotes in Waterville
- Best Car Insurance Companies in Waterville
- Best cheap car insurance quotes in Waterville
- Car insurance quotes in Waterville by rating factors
- How Do Different Factors Impact Your Car Insurance Costs in Waterville?
- Cheap car insurance quotes in Waterville after driving violations
- Cheap car insurance quotes in Waterville by age
- Cheap car insurance quotes in Waterville based on insurance history
- Cheap car insurance quotes in Waterville for popular cars
- How to lower car insurance costs in Waterville
- FAQ
- Methodology
- Meet our Experts
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Cheapest Car Insurance Quotes in Waterville
On average, auto insurance in Waterville costs about $55 per month for minimum coverage liability insurance and about $111 per month for full coverage insurance. Waterville drivers pay -- than the
Maine
average. Shopping for auto insurance
in Waterville can feel like a never-ending battle between high prices and coverage compromises. And if that isn’t enough, no single insurance provider can offer the best price for every driver, so comparing insurance quotes
before you commit is a must to save your wallet. As the nation’s leading independent broker,
Jerry
finds and compares rates from the top providers in Watervilleto help you find the coverage you need at a price you can afford. | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
| Progressive | $133 | Mark, 28 Zip: 04901 | Jeep Liberty Sport | • State Minimum Liability |
Travelers | $75 | Lucas, 42 Zip: 04901 | Ford Fusion SEL | • State Minimum Liability |
Safeco | $70 | Ella, 61 Zip: 04901 | Mitsubishi Outlander Sport ES | • 100,000/300,000 Liability • Comp / Collision |
| Nationwide | $86 | Harry, 37 Zip: 04901 | Honda Accord EXL | • State Minimum Liability • Comp / Collision |
Last Updated Jan 30, 2025Best Car Insurance Companies in Waterville
There is no single best car insurance company in Waterville for all drivers.
Fortunately, Jerry conducted the largest insurance shopping survey in the country to help you sift through the endless array of insurance companies looking to take your money.
We asked more than 15,000 policyholders nationwide to rate their insurance providers on cost, customer service, ease of shopping and renewal, and claims handling.
The table below shows how drivers in Waterville rate different companies on a scale of 0 to 5.
| Insurance Company | Overall Rating | Price | Claims Experience | Customer Service |
|---|---|---|---|---|
| Progressive | 4 | 3.6 | N/A | 3.6 |
Liberty Mutual | 3.3 | N/A | N/A |
But here’s the thing—no single insurance provider will offer the best rate for every driver in Waterville, so you’ll want to shop around and compare what each has to offer before making your decision.
Best cheap car insurance quotes in Waterville
In Maine, all Waterville auto owners and operators must carry the minimum coverage insurance required by law, which includes liability insurance, medical payments coverage (MedPay), and uninsured motorist coverage (UM/UIM).
While collision and comprehensive insurance are not mandatory, it is advisable to consider purchasing full coverage for enhanced protection and to cover potential expenses related to vehicle repairs or replacements.
Cheap minimum liability insurance quotes in Waterville
If you’re purchasing insurance in Waterville, you’ll need liability limits that meet Maine’s 50/100/25 requirements. That means you must have at least the following:
- $100,000 of bodily injury liability coverage per accident
- $2,000 per person inmedical payments (MedPay) coverage
- $100,000 uninsured motorist coverage per accident
Having these coverages means that if you’re involved in an at-accident and the other party is injured or their vehicle is damaged, your insurance will cover their expenses up to your policy limits.
Here are a few examples of Jerry helping Waterville car owners find minimum liability coverage.
Mark (28 years old)
$133
per month
Safeco
Mary (34 years old)
$107
per month
Harry (37 years old)
$86
per month
Do you need more than minimum coverage in Waterville?
In Waterville, the minimum required insurance limits are a starting point for drivers—but they may not offer adequate protection.
Remember, liability insurance covers damages and medical bills that result from an at-fault crash. The average hospital stay after a car accident is almost $60,000, and the average new car is worth between $39,755 to $69,960.
Based on that, a single accident could rack up to more than $100,000! And because
Maine’s car accident laws
allow drivers to file personal injury lawsuits for up to six years after an accident, your liability extends well beyond when the incident happened. The bottom line: If you drive in Waterville, you may want to increase your liability insurance to 100/200/100 for even more protection.
Cheap full coverage car insurance quotes in Waterville
One of the major drawbacks of liability-only coverage is that it protects the other party’s vehicle—not yours. If you want to ensure your vehicle is covered in the event of an accident, you’ll have to purchase
full-coverage car insurance
.A full coverage policy generally includes liability insurance,
collision coverage
, and comprehensive coverage
.- Collision coverage pays for physical damage to your vehicle due to a collision with another car or station object, such as a tree or a stop sign. Investing in collision coverage isn’t generally needed for older cars worth less than $2,000 because you’ll pay more in premium than your car is worth.
- Comprehensive coverage pays for damage to your car from all non-collision-related incidents, such as theft, vandalism, fire, severe weather, floods, and animal damage. A comprehensive policy will also cover broken glass.
Remember that collision and comprehensive insurance are subject to a deductible; the higher your deductible, the lower your payments will be, and vice versa.
While full-coverage insurance isn’t required under Maine’s insurance laws, your lender will require collision and comprehensive insurance until your lease is up or your loan is paid off.
Investing in a full coverage insurance policy costs more than basic liability, but Jerry can help you find the cheapest rates in Waterville.
| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $133 | Lucile, 28 Zip: 04901 | Jeep Liberty Sport |
• State Minimum Liability • Comp / Collision | Travelers | $91 | Noah, 37 Zip: 04901 | Honda Accord EXL |
• 100,000/300,000 Liability • Comp / Collision | Safeco | $70 | Ella, 61 Zip: 04901 | Mitsubishi Outlander Sport ES |
Last Updated Jan 27, 2025The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
In helping hundreds of Waterville drivers find cheaper rates, we found the average cost for minimum liability coverage to be $55 per month or $658 per year.
The average cost for full coverage insurance in Waterville is $111 per month or $1,336 per year.
| Insurance coverage | Average insurance cost (monthly) | Average insurance cost (yearly) |
|---|---|---|
State minimum coverage | $56 | $676 |
Full coverage | $136 | $1,637 |
Looking at
car insurance averages
is a quick way to estimate how much you can expect to pay for insurance, but estimates are just that—they won’t always give you the best indication of how much you will pay.Every driver is different and because so many variables affect insurance rates, your premium could be above or below the Waterville average.
Average cost of car insurance in Waterville by zip code
The cost of car insurance can differ depending on your zip code. Even within the same city, rates may vary from one block to another due to certain risk factors. Auto theft rates and accident frequency are just two variables that impact how much you pay in Waterville.
[AverageInsuranceTable]: insurance data empty
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Car insurance quotes in Waterville by rating factors
Every driver is different, and each insurance provider has a different equation to
calculate your car insurance premium
. Here are some factors that influence rates in Waterville:- Your driving record: Insurers ask about at-fault accidents and moving violations from the past three to five years. Drivers with violations on their record are considered a higher risk and may be charged a higher premium.
- Your location: The claims history of people in your area affects your rate. Just by giving your address, insurers can find out a lot about your risk of financial loss.
- Gender and age: Teen drivers and seniors typically pay the highest insurance rates, but young males do, too, since they’re statistically involved in more accidents.
- Prior insurance coverage: Insurers don’t want to see a lapse in coverage because it signals you’re a high-risk driver. If you’ve been continuously insured, you’ll see lower insurance rates.
- Vehicle types: Luxury, high-performance, and sports cars might be flashy, but they also see some of the highest insurance rates of all vehicle classes.
How Do Different Factors Impact Your Car Insurance Costs in Waterville?
How Do Different Factors Impact Your Car Insurance Costs in Waterville?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Waterville currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Waterville:
Cheap car insurance quotes in Waterville after driving violations
A speeding ticket for surpassing the posted limit might cause a slight increase in your insurance premium, but a slew of moving violations can do a number of your payments and earn you the “high-risk” label.
As a high-risk driver, some insurance providers won’t offer you insurance while others will—but at a premium price.
Cheapest car insurance in Waterville after speeding ticket
Maine speeding tickets
fall into four categories, and the fine you pay depends on how fast you were driving over the posted limit: - 1-9 mph over speed limit: $114 fine
- 10-14 mph over speed limit: $129 fine
- 15-19 mph over speed limit: $170 fine
- 20-24 mph over speed limit: $230 fine
- 25-29 mph over speed limit: $278 fine
If you’re caught going 30 mph or more over the posted speed limit, you’re nailed with a class E crime that comes with up to six months in jail, a maximum of $1,000 in fines, and immediate
license suspension
.Although a minor speeding ticket might not seem like a big deal, Waterville drivers see up to 20% increases for speeding ticket convictions—and rates stay high for five years. But even with a ticket, it’s still possible to find savings.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 1-5 | Travelers | $82 | Lilly, 38 Zip: 04901 | GEO Metro | • 50,000/100,000 Liability • Comp / Collision |
Speeding 6-10 | Nationwide | $84 | Dora, 41 Zip: 04903 | KIA Forte | • State Minimum Liability • Comp / Collision |
Last Updated Jan 30, 2025Cheapest car insurance in Waterville after DUI
A DUI on your driving record is never ideal, and under
Maine’s DUI laws
, that one conviction could land you up to $10,000 in fines and legal fees, a maximum of one year in jail, a minimum 150-day license suspension, and 150 days IID requirements—and that’s just for a first offense. Waterville drivers see an average insurance rate increase of 92% with a DUl and further increases for subsequent convictions.
But a DUI on your driving record doesn’t mean you have to pay exceptionally high rates for insurance as a high-risk driver. Certain insurers put less emphasis on driving records than others, which can help reduce your monthly payments—and Jerry can help you find the best rates, too.
Cheapest car insurance in Waterville after an at-fault accident
Regardless of the severity, insurers aren’t fond of at-fault accidents and will usually raise insurance rates when they see them.
But don’t panic. Even with an accident on your record, Jerry can help you find affordable rates by comparing quotes from the top providers in Waterville.
| Accident Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $77 | George, 37 Zip: 04901 | Honda Accord EXL | • State Minimum Liability • Comp / Collision |
Not At Fault | Safeco | $107 | Dennis, 34 Zip: 04901 | Chrysler Town & Country Touring | • State Minimum Liability • Comp / Collision |
| Allstate | $64 | Martin, 42 Zip: 04901 | Ford Fusion SEL | • State Minimum Liability |
Last Updated Jan 30, 2025Cheapest car insurance in Waterville after other driving violations
A DUI,
reckless driving
, and speeding tickets aren’t the only way you’ll get the “high-risk driver” label—but regardless of what violations are on your Waterville driving record, you can find the best savings by shopping around with Jerry. Last Updated Jan 30, 2025Cheap car insurance quotes in Waterville by age
Age might just be a number, but insurance rates are heavily affected by your age bracket. Rates tend to be highest as you start and finish driving. Teens and seniors pay some of the highest insurance rates of any age—they start high from 16 to 19 and start to increase again in your mid-70s.
Cheapest car insurance in Waterville for young drivers
New drivers
and teenagers pay higher rates for car insurance than most other age brackets. Why? Less experience behind the wheel means a higher rate of accidents, crash fatalities, and violations.But it’s not just about age—teenage males generally pay higher rates for insurance based on a higher rate of unsafe driving behaviors.
That said, teenagers don’t need to break the bank trying to afford insurance. Most insurers offer several discounts for young drivers looking to save, such as
good student discounts
and usage-based insurance tools
. You can always find affordable rates in Waterville by shopping with Jerry!Lillie (22 years old)
$185
per month
Cheapest car insurance in Waterville for senior drivers
Years of experience behind the wheel means drivers between 55 and 75 pay the lowest rates. But after that, rates start to increase again due to a higher risk of mortality, hospitalization, and medical expenses from a car crash.
Seniors also have slower reflexes that increase the risk of being involved in one. Even if you’re a driver with a clean driving record, you’ll likely see higher rates at this age.
That’s where Jerry comes in handy. We can find the
best car insurance rates for seniors
regardless of your age. Callie (68 years old)
$49
per month
Over 3,500,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
They are great and affordable! Needed insurance quick and they were not only the best option but were quick and very nice to work with on the phone.
Ericah
Happy with my insurance coverage and rate Jerry really helped me find the best rate to fit my needs.
Amanda
Always timely response, great claims experience.
Lynn
AAA dependable partnership with local towing company. Alleviates me from any daily bumps In the road.
Freddie
Cheap car insurance quotes in Waterville based on insurance history
Insurance companies look at several variables when determining auto insurance rates. In general, they want to know that you’ve had continuous coverage with no breaks or gaps. A
lapse in insurance coverage
signals that you’re a high-risk driver and insurers won’t be keen to insure you.If this is your first time getting insurance or getting a new policy after taking a break, rates will likely be higher until you build a stronger history of on-time payments and continuous coverage.
Jerry not only helps you find the best rates but also gives you the option to turn on payment notifications so you can avoid a lapse in coverage. Plus, you’ll get a reminder when it’s time to renew so you can continue with your current insurer or shop around for a better rate.
Pauline (28 years old)
$133
per month
Gerald (37 years old)
$86
per month
Travelers
Austin (42 years old)
$75
per month
Travelers
Jayden (42 years old)
$75
per month
Cheap car insurance quotes in Waterville for drivers with poor credit
You’ll need good credit to get a mortgage or finance a car, but did you know you also need good credit for insurance? This is because drivers with poor credit tend to file more insurance claims.
By that logic, drivers with a good credit score (700 or above) pay less than drivers with a poor credit score.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
660 - 750 | Progressive | $185 | Emilie, 22 Zip: 04901 | Mitsubishi Outlander Sport ES | • State Minimum Liability • Comp / Collision |
660 - 750 | Safeco | $70 | Hilda, 61 Zip: 04901 | Mitsubishi Outlander Sport ES | • 100,000/300,000 Liability • Comp / Collision |
550 - 659 | Progressive | $133 | Lelia, 28 Zip: 04901 | Jeep Liberty Sport | • State Minimum Liability |
Last Updated Jan 30, 2025Cheap car insurance quotes in Waterville for popular cars
The more your car costs to buy and repair, the more you’ll pay to insure it—it’s as simple as that.
Typically, high-performance, new cars, luxury cars, and hybrid/electric cars have the highest premiums thanks to their price tag for purchase and repair. Cars with difficult-to-source parts can also be pricey to insure.
If you’re behind the wheel of one of the most popular cars in Maine, you’ll likely see more affordable insurance rates. Drivers in Waterville tend to favor
Subarus
, Toyotas
, the Ford F-150
, and Chevrolet
models. | Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Jeep Liberty Sport | Progressive | $133 | Pauline, 28 Zip: 04901 | • State Minimum Liability |
Last Updated Jan 30, 2025Cheapest car insurance in Waterville for new vs. old car
In general, new cars have higher insurance costs than older models. That’s because new cars have a higher book value and are more likely to come with brand-new tech features that cost more to replace or repair.
We have found that the average insurance cost for a car older than 10 years is -- per month in Waterville. The average cost for insuring a car less than four years old goes up to -- per month.
That said, there is the odd exception for high-value or collector cars that don’t depreciate.
Mark (28 years old)
$133
per month
Harry (37 years old)
$86
per month
Safeco
Ella (61 years old)
2015 Mitsubishi Outlander Sport ES
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Waterville, ME (Zip Code: 04901)
$70
per month
How to lower car insurance costs in Waterville
1. Shop around and compare quotes
To secure the most affordable car insurance, experts recommend comparing quotes from a minimum of three insurance companies and regularly shopping for new rates every six months. This is because each insurance company uses its own rules to determine premiums, which can change frequently.
Fortunately, Jerry makes the comparison process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company provides a
range of discounts
, although the specific offers may vary from company to company. Here are some commonly available discounts:Unknown node type: {ContextField}
- Telematics discounts. Some insurance companies provide discounts to policyholders who use telematics. These devices monitor driving behavior, such as speed, mileage, and braking patterns, and can lead to discounts for safe driving practices.
- Good student discounts. Some insurance companies offer discounts to students who maintain a B average.
- Bundling discounts. Many insurers provide discounts to customers who combine multiple policies together.Bundling your home and auto insurance, for instance, can result in substantial savings.
3. Increase your deductible for comprehensive and collision coverage
One effective method for maintaining full coverage car insurance while reducing your monthly expenses is by raising your deductible. By opting for a higher deductible, you can enjoy adequate protection and lower monthly rates.
Why is car insurance in Waterville so expensive?
Car insurance rates aren’t all that expensive in Maine, but there are a few factors that can result in higher-than-normal premiums, including:
- Increasing healthcare costs
- Population density in urban centers
- Increasing vehicle theft rate
FAQ
How much is car insurance in Waterville?
People living in Waterville pay on average $55 per month – or $658 per year – on state-minimum liability coverage. Full coverage in Waterville costs on average $111 per month of $1,336 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the cheapest car insurance in Waterville?
Based on thousands of Waterville drivers Jerry has worked with, car insurance in Waterville costs an average of $55 per month for state-minimum coverage and $111 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the best car insurance in Waterville?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Amica, Farmers, and The General receive good ratings from Waterville drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.
What is the minimum car insurance in Waterville, Maine?
The state-minimum car insurance in Waterville, Maine is as follows:
- $50,000 bodily injury liability per person
- $100,000 bodily injury liability per accident
- $25,000 property damage liability per accident
These coverages are commonly referred to as 50/100/25 coverage.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
15 Years Working in Insurance
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to Jerry’s rapid growth.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. Before founding YourMechanic, Lina served as an intellectual property attorney at Morrison & Foerster LLP and a postdoctoral biomedical researcher at Stanford University.
Lina is a member of the State Bar of California, and a licensed property and casualty insurance broker in all 50 states and Washington, D.C.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s Vice President Insurance Operations and a licensed insurance professional with 18 years of experience in the industry. Previously, Josh worked for 14 years at GEICO, most recently as Director of Insurance Sales, Service, and Underwriting in the Buffalo, New York region, where he doubled the size of the team to 950+ licensed associates. Josh Damico is a licensed insurance agent in 48 states. Josh has appeared on news channels like FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.