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Finding the cheapest car insurance quotes in Hamden 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 Hamden
The car insurance rate in Hamden is $1499 for a six-month policy, which is $280 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $723, making it a popular choice for budget-conscious drivers. Rates in Hamden 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 $723 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: Kemper
Kemper offers auto
insurance rates at $899 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: USAA
USAA offers auto insurance
rates at $1044
for six months, making it
the third cheapest auto insurance company in Hamden.
Hamden Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Hamden, CT is Travelers, offering policies at just $723 for a six-month term. This is followed by Kemper, which has an average six-month premium of $899.
At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3558 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hamden drivers find the best deals.
The auto insurance costs in Hamden fall around $723 for six
months.
The cheapest auto insurance company in Hamden is Travelers.
Teen drivers pay the highest rate in Hamden at $1352 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Hamden
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 Hamden are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Hamden. Their Average 6 Month Premium is $343.
Hanover is the most
expensive at $1556 for the same
period.
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 Hamden is Travelers
at $123 per month and $723
for six months.
Cheapest Full Coverage Car Insurance Quotes in Hamden,
CT
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 Hamden, CT increasing?
Despite maintaining a clean driving record, your car insurance rates
in Hamden, 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, Hamden's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Hamden
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
Hamden,CT
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Hamden at $76
per
month. At $8109 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 Hamden.
As young drivers face the highest rates in Hamden, 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 Hamden,
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
Hamden is Amica, offering
rates of around $4938 for six
months.
Save up to $971/yr on car insurance rates in Hamden.
Car Insurance Rates with An Accident in Hamden
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 Hamden, CT,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Hamden
The cheapest car insurance companies after an at-fault accident in
Hamden include Amica Mutual
and Kemper, offering $636
and $665,
respectively. Farmers is an expensive provider
with an average six-month premium of
$4202.
Here is a list of driving violations that can increase your car
insurance rates in Hamden CT. For example, the car
insurance in Hamden
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.
Hamden 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 Hamden 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 Hamden.
The cheapest car insurance premiums in
Hamden 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 Hamden are offered by Nationwide
at $504. However,
it can be as expensive as $2360
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Hamden after Speeding ticket
Car insurance rates in Hamden have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Hamden rose by
$293 in December
compared to $288 of November. In other words, there has been an increase by $5 when you
compare December and November.
The average cost of liability insurance in the Hamden rose to $106 in December,
compared to $102 in November.
This represents an increase of $4
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Hamden. At $2174 for a
six-month policy, insuring
your car at 6514 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 Hamden?
The car insurance in Hamden is $58 per month, which is lower than the national average.
What is the cheapest car insurance in Hamden?
The cheapest car insurance in Hamden
is $123 per month
for full coverage.
How much is car insurance in Hamden 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
Hamden?
The average cost of car insurance is $1219 for a six-month
policy. It will cost around $252 per month to insure your
car in Hamden.
Is car insurance expensive in Hamden?
Car insurance can be expensive in Hamden if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Hamden can be
affordable.
What is the best car insurance in Hamden,
CT?
The best car insurance company in Hamden
CT is
Travelers, offering $723 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Hamden, CT
Car Insurance Rates by State in the USA (2025 Update)
Hamden Car Insurance
