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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 $1774 for a six-month policy, which is $343 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $906, 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 $906 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: Travelers
Travelers offers auto
insurance rates at $935 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: USAA
USAA offers auto insurance
rates at $1097
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 Kemper, offering policies at just $906 for a six-month term. This is followed by Travelers, which has an average six-month premium of $935.
At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $4161 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 $906 for six
months.
The cheapest auto insurance company in Hamden is USAA.
Teen drivers pay the highest rate in Hamden at $1747 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.
USAA provides
the cheapest minimum car insurance
coverage in Hamden. Their Average 6 Month Premium is $383.
Farmers is the most
expensive at $1200 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 Kemper
at $153 per month and $906
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 $77
per
month. At $10275 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 $523 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 $6091 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 $641
and $671,
respectively. Hanover is an expensive provider
with an average six-month premium of
$7431.
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 $2350 for a six
month policy. While the rate increases by $309 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
$1503
$250
One Med/PIP claim
$1503
$255
Not-at-fault accident
$1554
$259
Two Med/PIP claims
$1561
$265
One comp claim
$1583
$264
Two comp claims
$1679
$285
Driving without lights
$1746
$291
Failure to wear a seat belt
$1768
$300
Child safety restraint
$1789
$299
Failure to show documents
$1797
$305
Speeding 6 - 10 MPH over limit
$1812
$303
Driving with expired registration
$1819
$309
Speeding 11 - 15 MPH over limit
$1819
$304
Speeding 16 - 20 MPH over limit
$1819
$309
Cell phone violation
$1827
$305
Texting while driving
$1827
$310
Driving too slowly
$1834
$306
Failure to stop at a red light
$1834
$311
Failure to yield
$1834
$306
Following too closely
$1834
$311
Illegal turn
$1834
$306
Improper passing
$1841
$314
Wrong way/wrong lane
$1841
$308
Speeding in school zone
$1849
$315
Speeding 21 - 25 MPH over limit
$1871
$311
At-fault accident - less than $1000
$1893
$322
In 65 MPH zone
$1967
$327
Operating a vehicle without permission
$2032
$346
Open container
$2144
$357
At-fault accident - $1000-$2000
$2350
$399
At-fault accident - greater than $2000
$2350
$392
Passing school bus
$2748
$467
Reckless driving
$3617
$603
Racing
$3727
$634
Driving with a suspended license
$3756
$626
Refusal to submit to a chemical test
$3786
$644
DUI
$3853
$642
Leaving scene of an accident/hit and run
$3918
$666
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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 $817 for a six-month policy.
However, it can be as
expensive as $21824 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 Kemper
at $516. However,
it can be as expensive as $5922
with companies like Hanover 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
$409 in January
compared to $295 of December. In other words, there has been an increase by $114 when you
compare January and December.
The average cost of liability insurance in the Hamden dipped to $100 in January,
compared to $107 in December.
This represents an decrease of $7
when comparing January and December.
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 $2572 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 $66 per month, which is lower than the national average.
What is the cheapest car insurance in Hamden?
The cheapest car insurance in Hamden
is $153 per month
for full coverage.
How much is car insurance in Hamden for teenagers?
Car insurance for teenagers costs $456 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 $1431 for a six-month
policy. It will cost around $299 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
Kemper, offering $906 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
