Cheapest Car Insurance Quotes in West Haven

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West Haven Car Insurance

^$ 59

/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 $1536 for a six-month policy, which is $317 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $741, 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

$1536

Avg. Car Insurance in Connecticut

$1219

National Average

$1140

Cheapest Car Insurance Companies in West Haven

1st place: Travelers

At $741 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: Kemper

Kemper offers auto insurance rates at $921 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1070 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 Travelers, offering policies at just $741 for a six-month term. This is followed by Kemper, which has an average six-month premium of $921.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3645 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
Travelers	$741	$126
Kemper	$921	$155
USAA	$1070	$180
State Farm	$1205	$203
Amica Mutual	$1242	$209
Progressive	$1377	$232
Nationwide	$1430	$241
Amica	$1617	$270
Allstate	$1759	$296
Farmers	$1894	$315
Hanover	$3645	$620

Key Takeaways

Way's key takeaways about car insurance in West Haven

The auto insurance costs in West Haven fall around $741 for six months.
The cheapest auto insurance company in West Haven is Travelers.
Teen drivers pay the highest rate in West Haven at $1385 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.

Travelers provides the cheapest minimum car insurance coverage in West Haven. Their Average 6 Month Premium is $352. Hanover is the most expensive at $1594 for the same period.

Cheapest Liability Coverage in West Haven, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$352	$59
Kemper	$412	$69
USAA	$412	$69
Amica Mutual	$554	$93
State Farm	$583	$98
Amica	$636	$107
Nationwide	$688	$116
Progressive	$688	$116
Allstate	$876	$147
Farmers	$1220	$208
Hanover	$1594	$266

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 Travelers at $126 per month and $741 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Haven, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$741	$126
Kemper	$921	$155
USAA	$1070	$180
State Farm	$1205	$203
Amica Mutual	$1242	$209
Progressive	$1377	$232
Nationwide	$1430	$241
Amica	$1617	$270
Allstate	$1759	$296
Farmers	$1894	$315
Hanover	$3645	$620

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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 $78 per month. At $8307 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$464	$78
Amica Mutual	$576	$96
Nationwide	$621	$106
USAA	$1467	$247
State Farm	$1901	$320
Amica	$2327	$392
Allstate	$2986	$503
Progressive	$4162	$701
Farmers	$7298	$1241
Travelers	$8307	$1385

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 $532 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 $5059 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$532	$91
Nationwide	$703	$117
Amica Mutual	$973	$165
Travelers	$1452	$242
Progressive	$1632	$275
USAA	$1698	$284
Allstate	$2320	$391
State Farm	$2523	$425
Farmers	$3795	$645
Amica	$5059	$843

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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 $651 and $682, respectively. Farmers is an expensive provider with an average six-month premium of $4304.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$651	$108
Kemper	$682	$115
State Farm	$779	$131
Nationwide	$815	$139
Travelers	$830	$139
USAA	$1011	$170
Progressive	$1609	$271
Amica	$1632	$275
Allstate	$3966	$662
Farmers	$4304	$732

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 $2388 for a six month policy. While the rate increases by $314 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	$1527	$255
One Med/PIP claim	$1527	$260
Not-at-fault accident	$1579	$263
Two Med/PIP claims	$1586	$270
One comp claim	$1609	$268
Two comp claims	$1706	$290
Driving without lights	$1774	$296
Failure to wear a seat belt	$1797	$305
Child safety restraint	$1818	$304
Failure to show documents	$1826	$310
Speeding 6 - 10 MPH over limit	$1841	$307
Driving with expired registration	$1848	$314
Speeding 11 - 15 MPH over limit	$1848	$309
Speeding 16 - 20 MPH over limit	$1848	$314
Cell phone violation	$1856	$310
Texting while driving	$1856	$315
Driving too slowly	$1864	$311
Failure to stop at a red light	$1864	$316
Failure to yield	$1864	$311
Following too closely	$1864	$316
Illegal turn	$1864	$311
Improper passing	$1871	$319
Wrong way/wrong lane	$1871	$312
Speeding in school zone	$1879	$320
Speeding 21 - 25 MPH over limit	$1901	$316
At-fault accident - less than $1000	$1924	$328
In 65 MPH zone	$1998	$333
Operating a vehicle without permission	$2065	$352
Open container	$2179	$363
At-fault accident - $1000-$2000	$2388	$406
At-fault accident - greater than $2000	$2388	$398
Passing school bus	$2792	$475
Reckless driving	$3675	$612
Racing	$3788	$644
Driving with a suspended license	$3817	$636
Refusal to submit to a chemical test	$3847	$654
DUI	$3915	$653
Leaving scene of an accident/hit and run	$3982	$677

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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 $830 for a six-month policy. However, it can be as expensive as $22176 with companies like Hanover.

West Haven car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$830	$140
Travelers	$1280	$218
Progressive	$1347	$227
USAA	$1497	$252
State Farm	$1685	$284
Allstate	$1998	$336
Nationwide	$2342	$394
Amica Mutual	$3435	$578
Farmers	$4573	$762
Amica	$5613	$955
Hanover	$22176	$3696

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 Nationwide at $517. However, it can be as expensive as $2418 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in West Haven after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$517	$88
Kemper	$524	$87
Amica Mutual	$636	$108
State Farm	$815	$137
Travelers	$995	$169
USAA	$1183	$197
Allstate	$1407	$237
Progressive	$1444	$243
Amica	$1871	$319
Farmers	$2418	$403

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 $300 in December compared to $295 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 West Haven rose to $108 in December, compared to $105 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in West Haven?

The car insurance in West Haven is $59 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 $126 per month for full coverage.

How much is car insurance in West Haven for teenagers?

Car insurance for teenagers costs $464 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 $1219 for a six-month policy. It will cost around $258 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 Travelers, offering $741 for a six-month policy.