Cheapest Car Insurance Quotes in New Haven

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New Haven Car Insurance

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Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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 New Haven

The car insurance rate in New Haven is $1682 for a six-month policy, which is $463 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $811, making it a popular choice for budget-conscious drivers. Rates in New 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.

Avg. Car Insurance in New Haven

$1682

Avg. Car Insurance in Connecticut

$1219

National Average

$1140

Cheapest Car Insurance Companies in New Haven

1st place: Travelers

At $811 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: Kemper

Kemper offers auto insurance rates at $1009 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1172 for six months, making it the third cheapest auto insurance company in New Haven.

New Haven Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New Haven, CT is Travelers, offering policies at just $811 for a six-month term. This is followed by Kemper, which has an average six-month premium of $1009.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3992 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Haven drivers find the best deals.

Cheap Car Insurance Companies in New Haven, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$811	$138
Kemper	$1009	$170
USAA	$1172	$197
State Farm	$1319	$222
Amica Mutual	$1361	$229
Progressive	$1508	$254
Nationwide	$1566	$264
Amica	$1771	$295
Allstate	$1926	$324
Farmers	$2074	$345
Hanover	$3992	$679

Key Takeaways

Way's key takeaways about car insurance in New Haven

The auto insurance costs in New Haven fall around $811 for six months.
The cheapest auto insurance company in New Haven is Travelers.
Teen drivers pay the highest rate in New Haven at $1517 per month.

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Cheapest Minimum Liability Car Insurance in New 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 New Haven are given below.

Travelers provides the cheapest minimum car insurance coverage in New Haven. Their Average 6 Month Premium is $385. Hanover is the most expensive at $1746 for the same period.

Cheapest Liability Coverage in New Haven, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$385	$65
Kemper	$451	$76
USAA	$451	$76
Amica Mutual	$607	$102
State Farm	$639	$108
Amica	$697	$117
Nationwide	$753	$127
Progressive	$753	$127
Allstate	$959	$161
Farmers	$1336	$228
Hanover	$1746	$291

Cheapest Full Coverage Car Insurance in New 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 New Haven is Travelers at $138 per month and $811 for six months.

Cheapest Full Coverage Car Insurance Quotes in New Haven, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$811	$138
Kemper	$1009	$170
USAA	$1172	$197
State Farm	$1319	$222
Amica Mutual	$1361	$229
Progressive	$1508	$254
Nationwide	$1566	$264
Amica	$1771	$295
Allstate	$1926	$324
Farmers	$2074	$345
Hanover	$3992	$679

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Average Car Insurance in New 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 New Haven, CT increasing?

Despite maintaining a clean driving record, your car insurance rates in New 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, New 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 New 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

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Cheapest Car Insurance Rates for Teen Drivers in New Haven,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the New Haven at $86 per month. At $9098 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$508	$86
Amica Mutual	$631	$105
Nationwide	$680	$116
USAA	$1606	$270
State Farm	$2082	$351
Amica	$2549	$429
Allstate	$3271	$551
Progressive	$4558	$767
Farmers	$7993	$1359
Travelers	$9098	$1517

Teen Car Insurance Rates in CT by Age

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 New Haven, Kemper is the cheapest car insurance provider. At $582 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 New Haven is Amica, offering rates of around $5541 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$582	$99
Nationwide	$770	$128
Amica Mutual	$1065	$181
Travelers	$1590	$265
Progressive	$1787	$301
USAA	$1860	$311
Allstate	$2541	$428
State Farm	$2763	$465
Farmers	$4157	$707
Amica	$5541	$923

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Car Insurance Rates with An Accident in New 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 New Haven, CT, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in New Haven

The cheapest car insurance companies after an at-fault accident in New Haven include Amica Mutual and Kemper, offering $713 and $747, respectively. Farmers is an expensive provider with an average six-month premium of $4714.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$713	$119
Kemper	$747	$126
State Farm	$853	$144
Nationwide	$893	$152
Travelers	$909	$152
USAA	$1107	$186
Progressive	$1762	$297
Amica	$1787	$301
Allstate	$4344	$725
Farmers	$4714	$802

New Haven Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in New Haven CT. For example, the car insurance in New Haven after a DUI increases to $2615 for a six month policy. While the rate increases by $343 for a six-month policy in the case of a speeding ticket.

New Haven auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1673	$279
One Med/PIP claim	$1673	$284
Not-at-fault accident	$1729	$288
Two Med/PIP claims	$1737	$295
One comp claim	$1762	$294
Two comp claims	$1869	$317
Driving without lights	$1943	$324
Failure to wear a seat belt	$1968	$334
Child safety restraint	$1991	$333
Failure to show documents	$2000	$339
Speeding 6 - 10 MPH over limit	$2016	$337
Driving with expired registration	$2024	$344
Speeding 11 - 15 MPH over limit	$2024	$338
Speeding 16 - 20 MPH over limit	$2024	$344
Cell phone violation	$2033	$339
Texting while driving	$2033	$345
Driving too slowly	$2041	$341
Failure to stop at a red light	$2041	$346
Failure to yield	$2041	$341
Following too closely	$2041	$346
Illegal turn	$2041	$341
Improper passing	$2049	$349
Wrong way/wrong lane	$2049	$342
Speeding in school zone	$2058	$351
Speeding 21 - 25 MPH over limit	$2082	$346
At-fault accident - less than $1000	$2107	$359
In 65 MPH zone	$2189	$364
Operating a vehicle without permission	$2262	$385
Open container	$2386	$397
At-fault accident - $1000-$2000	$2615	$444
At-fault accident - greater than $2000	$2615	$436
Passing school bus	$3058	$520
Reckless driving	$4025	$671
Racing	$4148	$705
Driving with a suspended license	$4180	$697
Refusal to submit to a chemical test	$4213	$716
DUI	$4288	$715
Leaving scene of an accident/hit and run	$4361	$741

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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 New 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 New Haven.

The cheapest car insurance premiums in New Haven are offered by Kemper at $909 for a six-month policy. However, it can be as expensive as $24288 with companies like Hanover.

New Haven car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$909	$153
Travelers	$1402	$239
Progressive	$1475	$248
USAA	$1639	$276
State Farm	$1845	$311
Allstate	$2189	$368
Nationwide	$2565	$432
Amica Mutual	$3762	$633
Farmers	$5008	$835
Amica	$6148	$1046
Hanover	$24288	$4048

Cheapest car insurance after a speeding ticket

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 New Haven are offered by Nationwide at $566. However, it can be as expensive as $2648 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in New Haven after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$566	$97
Kemper	$574	$95
Amica Mutual	$697	$119
State Farm	$893	$150
Travelers	$1090	$185
USAA	$1296	$215
Allstate	$1541	$259
Progressive	$1581	$266
Amica	$2049	$349
Farmers	$2648	$442

Car Insurance Price Trends in New Haven, Connecticut

Car insurance rates in New Haven have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the New Haven rose by $328 in December compared to $323 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 New Haven rose to $119 in December, compared to $115 in November. This represents an increase of $4 when comparing December and November.

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Average Car Insurance Cost in New 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 New Haven. At $2371 for a six-month policy, insuring your car at 6511 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
6511	$2371	$398
6510	$1699	$285
6513	$2186	$367
6515	$1917	$322
6519	$1884	$316

Frequently Asked Questions

How much is car insurance in New Haven?

The car insurance in New Haven is $65 per month, which is lower than the national average.

What is the cheapest car insurance in New Haven?

The cheapest car insurance in New Haven is $138 per month for full coverage.

How much is car insurance in New Haven for teenagers?

Car insurance for teenagers costs $508 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 New Haven?

The average cost of car insurance is $1219 for a six-month policy. It will cost around $283 per month to insure your car in New Haven.

Is car insurance expensive in New Haven?

Car insurance can be expensive in New Haven if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in New Haven can be affordable.

What is the best car insurance in New Haven, CT?

The best car insurance company in New Haven CT is Travelers, offering $811 for a six-month policy.