Cheapest Car Insurance Quotes in New Haven

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New Haven Car Insurance

^$ 74

/mo

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 $2003 for a six-month policy, which is $572 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1023, 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

$2003

Avg. Car Insurance in Connecticut

$1431

National Average

$1278

Cheapest Car Insurance Companies in New Haven

1st place: Kemper

At $1023 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $1056 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1239 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 Kemper, offering policies at just $1023 for a six-month term. This is followed by Travelers, which has an average six-month premium of $1056.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $4698 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
Kemper	$1023	$172
Travelers	$1056	$179
USAA	$1239	$209
Amica Mutual	$1380	$232
State Farm	$1655	$279
Progressive	$1838	$309
Allstate	$1988	$335
Nationwide	$2054	$346
Amica	$2187	$364
Farmers	$2927	$498
Hanover	$4698	$791

Key Takeaways

Way's key takeaways about car insurance in New Haven

The auto insurance costs in New Haven fall around $1023 for six months.
The cheapest auto insurance company in New Haven is USAA.
Teen drivers pay the highest rate in New Haven at $1973 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.

USAA provides the cheapest minimum car insurance coverage in New Haven. Their Average 6 Month Premium is $433. Farmers is the most expensive at $1355 for the same period.

Cheapest Liability Coverage in New Haven, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$433	$74
Kemper	$458	$77
Amica Mutual	$616	$104
Amica	$624	$104
Progressive	$648	$109
State Farm	$682	$115
Nationwide	$764	$129
Allstate	$890	$150
Hanover	$1771	$301
Travelers	$391	$66
Farmers	$1355	$231

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 Kemper at $172 per month and $1023 for six months.

Cheapest Full Coverage Car Insurance Quotes in New Haven, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1023	$172
Travelers	$1056	$179
USAA	$1239	$209
Amica Mutual	$1380	$232
State Farm	$1655	$279
Progressive	$1838	$309
Allstate	$1988	$335
Nationwide	$2054	$346
Amica	$2187	$364
Farmers	$2927	$498
Hanover	$4698	$791

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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 $87 per month. At $11600 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$515	$87
Amica Mutual	$640	$106
USAA	$1754	$295
Amica	$3102	$522
Allstate	$3434	$578
State Farm	$3675	$619
Progressive	$5198	$875
Nationwide	$7176	$1208
Hanover	$10969	$1865
Farmers	$11102	$1851
Travelers	$11600	$1973

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 $591 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 $6877 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$591	$98
Amica Mutual	$1081	$183
USAA	$2062	$344
Travelers	$2087	$356
Progressive	$2470	$416
Allstate	$2695	$454
Nationwide	$2828	$476
State Farm	$4798	$808
Farmers	$5895	$983
Amica	$6877	$1169

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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 $724 and $757, respectively. Hanover is an expensive provider with an average six-month premium of $8390.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$724	$120
Kemper	$757	$127
State Farm	$1180	$199
Travelers	$1180	$200
USAA	$1197	$202
Amica	$2121	$357
Progressive	$2520	$424
Nationwide	$3210	$540
Allstate	$6037	$1007
Farmers	$6695	$1138
Hanover	$8390	$1399

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 $2653 for a six month policy. While the rate increases by $348 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	$1697	$283
One Med/PIP claim	$1697	$288
Not-at-fault accident	$1754	$293
Two Med/PIP claims	$1763	$300
One comp claim	$1788	$298
Two comp claims	$1896	$322
Driving without lights	$1971	$329
Failure to wear a seat belt	$1996	$339
Child safety restraint	$2020	$337
Failure to show documents	$2029	$344
Speeding 6 - 10 MPH over limit	$2045	$342
Driving with expired registration	$2054	$349
Speeding 11 - 15 MPH over limit	$2054	$343
Speeding 16 - 20 MPH over limit	$2054	$349
Cell phone violation	$2062	$344
Texting while driving	$2062	$350
Driving too slowly	$2071	$346
Failure to stop at a red light	$2071	$351
Failure to yield	$2071	$346
Following too closely	$2071	$351
Illegal turn	$2071	$346
Improper passing	$2079	$354
Wrong way/wrong lane	$2079	$347
Speeding in school zone	$2087	$356
Speeding 21 - 25 MPH over limit	$2113	$351
At-fault accident - less than $1000	$2138	$364
In 65 MPH zone	$2220	$370
Operating a vehicle without permission	$2295	$391
Open container	$2421	$403
At-fault accident - $1000-$2000	$2653	$451
At-fault accident - greater than $2000	$2653	$442
Passing school bus	$3102	$528
Reckless driving	$4084	$680
Racing	$4208	$715
Driving with a suspended license	$4241	$707
Refusal to submit to a chemical test	$4274	$727
DUI	$4350	$725
Leaving scene of an accident/hit and run	$4424	$752

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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 $923 for a six-month policy. However, it can be as expensive as $24640 with companies like Hanover.

New Haven car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$923	$155
Progressive	$1763	$297
USAA	$1771	$298
Travelers	$1821	$304
Allstate	$2262	$381
State Farm	$2303	$388
Amica Mutual	$3816	$643
Nationwide	$4249	$715
Farmers	$7010	$1191
Amica	$7676	$1280
Hanover	$24640	$4190

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 Kemper at $582. However, it can be as expensive as $6686 with companies like Hanover for a similar six-month premium.

Cheapest Car Insurance in New Haven after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$582	$97
Amica Mutual	$707	$120
State Farm	$1431	$241
Travelers	$1431	$244
USAA	$1431	$238
Allstate	$1621	$273
Nationwide	$2020	$340
Progressive	$2178	$367
Amica	$2537	$423
Farmers	$3742	$637
Hanover	$6686	$1114

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 $462 in January compared to $333 of December. In other words, there has been an increase by $129 when you compare January and December.

The average cost of liability insurance in the New Haven dipped to $113 in January, compared to $120 in December. This represents an decrease of $7 when comparing January and December.

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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 $2824 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	$2824	$475
6510	$2023	$340
6513	$2604	$438
6515	$2283	$384
6519	$2243	$377

Frequently Asked Questions

How much is car insurance in New Haven?

The car insurance in New Haven is $74 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 $172 per month for full coverage.

How much is car insurance in New Haven for teenagers?

Car insurance for teenagers costs $515 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 $1431 for a six-month policy. It will cost around $337 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 Kemper, offering $1023 for a six-month policy.