Cheapest Car Insurance Quotes in West Haven

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West Haven Car Insurance

^$ 67

/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 West Haven

The car insurance rate in West Haven is $1817 for a six-month policy, which is $386 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $928, making it a popular choice for budget-conscious drivers. Rates in West 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 West Haven

$1817

Avg. Car Insurance in Connecticut

$1431

National Average

$1278

Cheapest Car Insurance Companies in West Haven

1st place: Kemper

At $928 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $958 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1124 for six months, making it the third cheapest auto insurance company in West Haven.

West Haven Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in West Haven, CT is Kemper, offering policies at just $928 for a six-month term. This is followed by Travelers, which has an average six-month premium of $958.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $4262 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Haven drivers find the best deals.

Cheap Car Insurance Companies in West Haven, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$928	$156
Travelers	$958	$163
USAA	$1124	$189
Amica Mutual	$1252	$211
State Farm	$1501	$253
Progressive	$1668	$281
Allstate	$1803	$304
Nationwide	$1863	$314
Amica	$1984	$330
Farmers	$2656	$452
Hanover	$4262	$718

Key Takeaways

Way's key takeaways about car insurance in West Haven

The auto insurance costs in West Haven fall around $928 for six months.
The cheapest auto insurance company in West Haven is USAA.
Teen drivers pay the highest rate in West Haven at $1789 per month.

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

USAA provides the cheapest minimum car insurance coverage in West Haven. Their Average 6 Month Premium is $392. Farmers is the most expensive at $1229 for the same period.

Cheapest Liability Coverage in West Haven, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$392	$67
Kemper	$415	$70
Amica Mutual	$559	$94
Amica	$566	$94
Progressive	$588	$99
State Farm	$618	$104
Nationwide	$693	$117
Allstate	$808	$136
Hanover	$1607	$273
Travelers	$354	$60
Farmers	$1229	$210

Cheapest Full Coverage Car Insurance in West 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 West Haven is Kemper at $156 per month and $928 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Haven, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$928	$156
Travelers	$958	$163
USAA	$1124	$189
Amica Mutual	$1252	$211
State Farm	$1501	$253
Progressive	$1668	$281
Allstate	$1803	$304
Nationwide	$1863	$314
Amica	$1984	$330
Farmers	$2656	$452
Hanover	$4262	$718

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Average Car Insurance in West 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 West Haven, CT increasing?

Despite maintaining a clean driving record, your car insurance rates in West 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, West 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 West 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 West Haven,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the West Haven at $79 per month. At $10523 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$467	$79
Amica Mutual	$580	$97
USAA	$1591	$268
Amica	$2814	$474
Allstate	$3115	$525
State Farm	$3334	$561
Progressive	$4716	$794
Nationwide	$6510	$1096
Hanover	$9950	$1692
Farmers	$10071	$1679
Travelers	$10523	$1789

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 West Haven, Kemper is the cheapest car insurance provider. At $536 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 West Haven is Amica, offering rates of around $6238 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$536	$89
Amica Mutual	$980	$166
USAA	$1871	$312
Travelers	$1894	$323
Progressive	$2240	$377
Allstate	$2445	$411
Nationwide	$2565	$432
State Farm	$4352	$733
Farmers	$5348	$892
Amica	$6238	$1060

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

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

The cheapest car insurance companies after an at-fault accident in West Haven include Amica Mutual and Kemper, offering $657 and $687, respectively. Hanover is an expensive provider with an average six-month premium of $7611.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$657	$109
Kemper	$687	$116
State Farm	$1071	$180
Travelers	$1071	$182
USAA	$1086	$183
Amica	$1924	$324
Progressive	$2286	$385
Nationwide	$2912	$490
Allstate	$5476	$913
Farmers	$6073	$1033
Hanover	$7611	$1269

West Haven Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Haven CT. For example, the car insurance in West Haven after a DUI increases to $2407 for a six month policy. While the rate increases by $316 for a six-month policy in the case of a speeding ticket.

West Haven auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1539	$257
One Med/PIP claim	$1539	$262
Not-at-fault accident	$1591	$265
Two Med/PIP claims	$1599	$272
One comp claim	$1622	$271
Two comp claims	$1720	$292
Driving without lights	$1788	$298
Failure to wear a seat belt	$1811	$307
Child safety restraint	$1833	$306
Failure to show documents	$1840	$312
Speeding 6 - 10 MPH over limit	$1855	$310
Driving with expired registration	$1863	$316
Speeding 11 - 15 MPH over limit	$1863	$311
Speeding 16 - 20 MPH over limit	$1863	$316
Cell phone violation	$1871	$312
Texting while driving	$1871	$318
Driving too slowly	$1878	$314
Failure to stop at a red light	$1878	$319
Failure to yield	$1878	$314
Following too closely	$1878	$319
Illegal turn	$1878	$314
Improper passing	$1886	$321
Wrong way/wrong lane	$1886	$315
Speeding in school zone	$1894	$323
Speeding 21 - 25 MPH over limit	$1916	$319
At-fault accident - less than $1000	$1939	$330
In 65 MPH zone	$2014	$335
Operating a vehicle without permission	$2082	$354
Open container	$2196	$366
At-fault accident - $1000-$2000	$2407	$409
At-fault accident - greater than $2000	$2407	$401
Passing school bus	$2814	$479
Reckless driving	$3705	$617
Racing	$3818	$649
Driving with a suspended license	$3847	$641
Refusal to submit to a chemical test	$3877	$659
DUI	$3946	$658
Leaving scene of an accident/hit and run	$4013	$682

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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 West 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 West Haven.

The cheapest car insurance premiums in West Haven are offered by Kemper at $837 for a six-month policy. However, it can be as expensive as $22352 with companies like Hanover.

West Haven car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$837	$141
Progressive	$1599	$269
USAA	$1607	$271
Travelers	$1652	$276
Allstate	$2052	$345
State Farm	$2089	$352
Amica Mutual	$3462	$583
Nationwide	$3854	$649
Farmers	$6359	$1081
Amica	$6963	$1161
Hanover	$22352	$3801

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 West Haven are offered by Kemper at $528. However, it can be as expensive as $6066 with companies like Hanover for a similar six-month premium.

Cheapest Car Insurance in West Haven after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$528	$88
Amica Mutual	$641	$109
State Farm	$1298	$218
Travelers	$1298	$221
USAA	$1298	$216
Allstate	$1471	$248
Nationwide	$1833	$309
Progressive	$1976	$333
Amica	$2301	$384
Farmers	$3395	$578
Hanover	$6066	$1011

Car Insurance Price Trends in West Haven, Connecticut

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

The average cost of full coverage in the West Haven rose by $419 in January compared to $302 of December. In other words, there has been an increase by $117 when you compare January and December.

The average cost of liability insurance in the West Haven dipped to $103 in January, compared to $109 in December. This represents an decrease of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in West Haven?

The car insurance in West Haven is $67 per month, which is lower than the national average.

What is the cheapest car insurance in West Haven?

The cheapest car insurance in West Haven is $156 per month for full coverage.

How much is car insurance in West Haven for teenagers?

Car insurance for teenagers costs $467 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 West Haven?

The average cost of car insurance is $1431 for a six-month policy. It will cost around $306 per month to insure your car in West Haven.

Is car insurance expensive in West Haven?

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

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

The best car insurance company in West Haven CT is Kemper, offering $928 for a six-month policy.