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Finding the cheapest car insurance quotes in East Haven shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in East Haven
The car insurance rate in East Haven is $1760 for a six-month policy, which is $329 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $899, making it a popular choice for budget-conscious drivers. Rates in East Haven can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $899 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: Travelers
Travelers offers auto
insurance rates at $927 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: USAA
USAA offers auto insurance
rates at $1089
for six months, making it
the third cheapest auto insurance company in East Haven.
East Haven Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in East Haven, CT is Kemper, offering policies at just $899 for a six-month term. This is followed by Travelers, which has an average six-month premium of $927.
At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $4128 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help East Haven drivers find the best deals.
Way's key takeaways about car insurance in East Haven
The auto insurance costs in East Haven fall around $899 for six
months.
The cheapest auto insurance company in East Haven is USAA.
Teen drivers pay the highest rate in East Haven at $1733 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in East Haven
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in East Haven are given below.
USAA provides
the cheapest minimum car insurance
coverage in East Haven. Their Average 6 Month Premium is $380.
Farmers is the most
expensive at $1191 for the same
period.
Cheapest Full Coverage Car Insurance in East Haven
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in East Haven is Kemper
at $151 per month and $899
for six months.
Cheapest Full Coverage Car Insurance Quotes in East Haven,
CT
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Average Car Insurance in East Haven by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in East Haven, CT increasing?
Despite maintaining a clean driving record, your car insurance rates
in East Haven, Connecticut, may be increasing due to several external factors.
Connecticut has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, East Haven's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in East Haven
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
East Haven,CT
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the East Haven at $76
per
month. At $10192 for a six-month premium,
Travelers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in East Haven.
As young drivers face the highest rates in East Haven, N/A
offers the cheapest auto insurance rates at $N/A for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in East Haven,
Kemper is
the cheapest car insurance provider. At $519 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
East Haven is Amica, offering
rates of around $6042 for six
months.
Save up to $971/yr on car insurance rates in East Haven.
Car Insurance Rates with An Accident in East Haven
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In East Haven, CT,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in East Haven
The cheapest car insurance companies after an at-fault accident in
East Haven include Amica Mutual
and Kemper, offering $636
and $665,
respectively. Hanover is an expensive provider
with an average six-month premium of
$7371.
Here is a list of driving violations that can increase your car
insurance rates in East Haven CT. For example, the car
insurance in East Haven
after a DUI increases to $2331 for a six
month policy. While the rate increases by $306 for a six-month policy in the case of
a speeding ticket.
East Haven auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1491
$248
One Med/PIP claim
$1491
$253
Not-at-fault accident
$1541
$257
Two Med/PIP claims
$1549
$263
One comp claim
$1571
$262
Two comp claims
$1665
$283
Driving without lights
$1732
$289
Failure to wear a seat belt
$1754
$298
Child safety restraint
$1775
$296
Failure to show documents
$1782
$303
Speeding 6 - 10 MPH over limit
$1797
$300
Driving with expired registration
$1804
$306
Speeding 11 - 15 MPH over limit
$1804
$301
Speeding 16 - 20 MPH over limit
$1804
$306
Cell phone violation
$1812
$303
Texting while driving
$1812
$308
Driving too slowly
$1819
$304
Failure to stop at a red light
$1819
$309
Failure to yield
$1819
$304
Following too closely
$1819
$309
Illegal turn
$1819
$304
Improper passing
$1827
$311
Wrong way/wrong lane
$1827
$305
Speeding in school zone
$1834
$312
Speeding 21 - 25 MPH over limit
$1856
$309
At-fault accident - less than $1000
$1878
$320
In 65 MPH zone
$1951
$325
Operating a vehicle without permission
$2016
$343
Open container
$2127
$354
At-fault accident - $1000-$2000
$2331
$396
At-fault accident - greater than $2000
$2331
$389
Passing school bus
$2726
$464
Reckless driving
$3588
$598
Racing
$3697
$629
Driving with a suspended license
$3726
$621
Refusal to submit to a chemical test
$3755
$638
DUI
$3822
$637
Leaving scene of an accident/hit and run
$3887
$661
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in East Haven after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in East Haven.
The cheapest car insurance premiums in
East Haven are
offered by Kemper at $811 for a six-month policy.
However, it can be as
expensive as $21648 with companies
like Hanover.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in East Haven are offered by Kemper
at $512. However,
it can be as expensive as $5874
with companies like Hanover for a similar
six-month premium.
Cheapest Car Insurance in East Haven after Speeding ticket
Car Insurance Price Trends in East Haven,
Connecticut
Car insurance rates in East Haven have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the East Haven rose by
$406 in January
compared to $293 of December. In other words, there has been an increase by $113 when you
compare January and December.
The average cost of liability insurance in the East Haven dipped to $100 in January,
compared to $106 in December.
This represents an decrease of $6
when comparing January and December.
Average Car Insurance Cost in East Haven by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
East Haven. At $3520 for a
six-month policy, insuring
your car at 6512 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in East Haven?
The car insurance in East Haven is $65 per month, which is lower than the national average.
What is the cheapest car insurance in East Haven?
The cheapest car insurance in East Haven
is $151 per month
for full coverage.
How much is car insurance in East Haven for teenagers?
Car insurance for teenagers costs $453 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
East Haven?
The average cost of car insurance is $1431 for a six-month
policy. It will cost around $296 per month to insure your
car in East Haven.
Is car insurance expensive in East Haven?
Car insurance can be expensive in East Haven if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in East Haven can be
affordable.
What is the best car insurance in East Haven,
CT?
The best car insurance company in East Haven
CT is
Kemper, offering $899 for a
six-month policy.
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Find Car Insurance Rates in Cities Near East Haven, CT
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East Haven Car Insurance
