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Finding the cheapest car insurance quotes in North 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 North Haven
The car insurance rate in North Haven is $1377 for a six-month policy, which is $158 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $664, making it a popular choice for budget-conscious drivers. Rates in North 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 $664 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: Kemper
Kemper offers auto
insurance rates at $826 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: USAA
USAA offers auto insurance
rates at $959
for six months, making it
the third cheapest auto insurance company in North Haven.
North Haven Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in North Haven, CT is Travelers, offering policies at just $664 for a six-month term. This is followed by Kemper, which has an average six-month premium of $826.
At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3269 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help North Haven drivers find the best deals.
Way's key takeaways about car insurance in North Haven
The auto insurance costs in North Haven fall around $664 for six
months.
The cheapest auto insurance company in North Haven is Travelers.
Teen drivers pay the highest rate in North Haven at $1242 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in North 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 North Haven are given below.
Travelers provides
the cheapest minimum car insurance
coverage in North Haven. Their Average 6 Month Premium is $315.
Hanover is the most
expensive at $1429 for the same
period.
Cheapest Full Coverage Car Insurance in North 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 North Haven is Travelers
at $113 per month and $664
for six months.
Cheapest Full Coverage Car Insurance Quotes in North Haven,
CT
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Average Car Insurance in North 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 North Haven, CT increasing?
Despite maintaining a clean driving record, your car insurance rates
in North 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, North 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 North 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
North Haven,CT
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the North Haven at $70
per
month. At $7450 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 North Haven.
As young drivers face the highest rates in North 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 North Haven,
Kemper is
the cheapest car insurance provider. At $477 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
North Haven is Amica, offering
rates of around $4537 for six
months.
Save up to $971/yr on car insurance rates in North Haven.
Car Insurance Rates with An Accident in North 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 North Haven, CT,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in North Haven
The cheapest car insurance companies after an at-fault accident in
North Haven include Amica Mutual
and Kemper, offering $584
and $611,
respectively. Farmers is an expensive provider
with an average six-month premium of
$3860.
Here is a list of driving violations that can increase your car
insurance rates in North Haven CT. For example, the car
insurance in North Haven
after a DUI increases to $2141 for a six
month policy. While the rate increases by $281 for a six-month policy in the case of
a speeding ticket.
North Haven auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1370
$228
One Med/PIP claim
$1370
$233
Not-at-fault accident
$1416
$236
Two Med/PIP claims
$1423
$242
One comp claim
$1443
$241
Two comp claims
$1530
$260
Driving without lights
$1591
$266
Failure to wear a seat belt
$1611
$273
Child safety restraint
$1631
$272
Failure to show documents
$1637
$278
Speeding 6 - 10 MPH over limit
$1651
$276
Driving with expired registration
$1658
$281
Speeding 11 - 15 MPH over limit
$1658
$277
Speeding 16 - 20 MPH over limit
$1658
$281
Cell phone violation
$1664
$278
Texting while driving
$1664
$283
Driving too slowly
$1671
$279
Failure to stop at a red light
$1671
$284
Failure to yield
$1671
$279
Following too closely
$1671
$284
Illegal turn
$1671
$279
Improper passing
$1678
$286
Wrong way/wrong lane
$1678
$280
Speeding in school zone
$1685
$287
Speeding 21 - 25 MPH over limit
$1705
$284
At-fault accident - less than $1000
$1726
$294
In 65 MPH zone
$1792
$298
Operating a vehicle without permission
$1852
$315
Open container
$1954
$325
At-fault accident - $1000-$2000
$2141
$364
At-fault accident - greater than $2000
$2141
$357
Passing school bus
$2504
$426
Reckless driving
$3296
$549
Racing
$3397
$577
Driving with a suspended license
$3423
$571
Refusal to submit to a chemical test
$3450
$586
DUI
$3511
$585
Leaving scene of an accident/hit and run
$3571
$607
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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 North 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 North Haven.
The cheapest car insurance premiums in
North Haven are
offered by Kemper at $745 for a six-month policy.
However, it can be as
expensive as $19888 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 North Haven are offered by Nationwide
at $463. However,
it can be as expensive as $2168
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in North Haven after Speeding ticket
Car Insurance Price Trends in North Haven,
Connecticut
Car insurance rates in North Haven have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the North Haven rose by
$269 in December
compared to $264 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 North Haven rose to $97 in December,
compared to $94 in November.
This represents an increase of $3
when comparing December and November.
Average Car Insurance Cost in North 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
North Haven. At $2754 for a
six-month policy, insuring
your car at 6473 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 North Haven?
The car insurance in North Haven is $53 per month, which is lower than the national average.
What is the cheapest car insurance in North Haven?
The cheapest car insurance in North Haven
is $113 per month
for full coverage.
How much is car insurance in North Haven for teenagers?
Car insurance for teenagers costs $416 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
North Haven?
The average cost of car insurance is $1219 for a six-month
policy. It will cost around $232 per month to insure your
car in North Haven.
Is car insurance expensive in North Haven?
Car insurance can be expensive in North Haven if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in North Haven can be
affordable.
What is the best car insurance in North Haven,
CT?
The best car insurance company in North Haven
CT is
Travelers, offering $664 for a
six-month policy.
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North Haven Car Insurance
