Cheapest Car Insurance Quotes in New Haven

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New Haven Car Insurance

^$ 43

/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 $1642 for a six-month policy, which is $318 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $611, 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

$1642

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in New Haven

1st place: Travelers

At $611 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $781 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $847 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, MI is Travelers, offering policies at just $611 for a six-month term. This is followed by USAA, which has an average six-month premium of $781.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1009 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, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$611	$103
USAA	$781	$131
Encompass	$847	$144
Auto-Owners Insurance Co	$869	$145
Chubb	$914	$155
Farm Bureau Ins of MI	$1075	$180
Auto-Owners	$1127	$190
AAA	$1135	$191
Pioneer State Mutual Ins Co	$1171	$200
Progressive	$1200	$202
Westfield	$1458	$246
Farm Bureau	$2084	$347
Pioneer State Mutual	$2269	$386
State Farm	$2423	$408
Frankenmuth	$2578	$439
Bristol West	$2909	$485
Allstate	$2232	$379
Farmers	$4522	$769
Hastings Mutual	$1009	$169

Key Takeaways

Way's key takeaways about car insurance in New Haven

The auto insurance costs in New Haven fall around $611 for six months.
The cheapest auto insurance company in New Haven is Travelers.
Teen drivers pay the highest rate in New Haven at $1198 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 $258. Farmers is the most expensive at $2350 for the same period.

Cheapest Liability Coverage in New Haven, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$258	$43
Westfield	$273	$46
USAA	$324	$55
Encompass	$353	$60
Chubb	$376	$64
Auto-Owners Insurance Co	$405	$67
Auto-Owners	$449	$76
Progressive	$508	$86
AAA	$516	$88
Farm Bureau Ins of MI	$523	$87
Farm Bureau	$656	$112
Pioneer State Mutual	$663	$110
Frankenmuth	$781	$133
State Farm	$1208	$203
Bristol West	$1215	$207
Allstate	$950	$161
Farmers	$2350	$392

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 $103 per month and $611 for six months.

Cheapest Full Coverage Car Insurance Quotes in New Haven, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$611	$103
USAA	$781	$131
Encompass	$847	$144
Auto-Owners Insurance Co	$869	$145
Chubb	$914	$155
Farm Bureau Ins of MI	$1075	$180
Auto-Owners	$1127	$190
AAA	$1135	$191
Pioneer State Mutual Ins Co	$1171	$200
Progressive	$1200	$202
Westfield	$1458	$246
Farm Bureau	$2084	$347
Pioneer State Mutual	$2269	$386
State Farm	$2423	$408
Frankenmuth	$2578	$439
Bristol West	$2909	$485
Allstate	$2232	$379
Farmers	$4522	$769
Hastings Mutual	$1009	$169

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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, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in New Haven, Michigan, may be increasing due to several external factors. Michigan 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,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the New Haven at $51 per month. At $7188 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$303	$51
Westfield	$324	$55
Encompass	$353	$60
Chubb	$420	$72
Auto-Owners Insurance Co	$441	$73
Grange	$574	$98
USAA	$1245	$210
Auto-Owners	$1561	$263
AAA	$2026	$341
Progressive	$2858	$481
Farm Bureau	$3403	$567
Pioneer State Mutual	$3992	$678
Frankenmuth	$4758	$794
State Farm	$6689	$1137
Allstate	$4832	$822
Farmers	$20741	$3527
Bristol West	$7188	$1198

Teen Car Insurance Rates in MI 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, Travelers is the cheapest car insurance provider. At $494 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 Farm Bureau Ins of MI, offering rates of around $1561 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$494	$82
Encompass	$508	$87
Progressive	$714	$119
Westfield	$751	$128
Auto-Owners Insurance Co	$796	$133
Pioneer State Mutual Ins Co	$972	$165
Grange	$1230	$205
Farm Bureau Ins of MI	$1561	$265

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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, MI, 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 Chubb and Westfield, offering $376 and $398, respectively. Pioneer State is an expensive provider with an average six-month premium of $589.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$376	$64
Westfield	$398	$66
Auto-Owners Insurance Co	$464	$79
Encompass	$523	$87
Farm Bureau Ins of MI	$619	$105
Pioneer State Mutual Ins Co	$684	$114
Travelers	$729	$123
USAA	$950	$160
Progressive	$1127	$190
Auto-Owners	$1311	$221
AAA	$1561	$263
Farm Bureau	$2548	$425
Pioneer State Mutual	$2718	$463
State Farm	$3071	$512
Frankenmuth	$3315	$564
Allstate	$3558	$593
Farmers	$6356	$1081
Pioneer State	$589	$98

New Haven Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in New Haven MI. For example, the car insurance in New Haven after a DUI increases to $2976 for a six month policy. While the rate increases by $1621 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	$1621	$270
Failure to wear a seat belt	$1922	$327
Cell phone violation	$2040	$340
Texting while driving	$2040	$347
Illegal turn	$2047	$341
Wrong way/wrong lane	$2047	$348
Speeding in school zone	$2077	$346
Driving with expired registration	$2092	$356
Failure to stop at a red light	$2114	$352
Improper passing	$2114	$360
Speeding 16 - 20 MPH over limit	$2350	$392
Open container	$2769	$471
Driving with a suspended license	$3101	$517
Racing	$3999	$680
Reckless driving	$4346	$724
Leaving scene of an accident/hit and run	$4457	$758
DUI	$4597	$766

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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 Chubb at $376 for a six-month policy. However, it can be as expensive as $11608 with companies like Allstate.

New Haven car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$376	$62
Auto-Owners Insurance Co	$994	$169
Grange	$1002	$167
Farmers	$1017	$172
Progressive	$1120	$188
Pioneer State Mutual Ins Co	$1208	$206
USAA	$1340	$226
Travelers	$1481	$252
Auto-Owners	$2394	$403
Westfield	$2438	$410
AAA	$2688	$453
Bristol West	$3447	$587
Pioneer State Mutual	$4339	$723
Farm Bureau	$5104	$868
State Farm	$6313	$1063
Frankenmuth	$11424	$1943
Allstate	$11608	$1934

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 Westfield at $324. However, it can be as expensive as $14651 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
Westfield	$324	$55
Chubb	$376	$62
Encompass	$398	$68
Travelers	$486	$81
Auto-Owners Insurance Co	$516	$88
Farm Bureau Ins of MI	$737	$123
Grange	$781	$133
Auto-Owners	$980	$164
USAA	$1002	$170
AAA	$1267	$211
Farm Bureau	$1311	$223
Pioneer State Mutual	$1443	$241
Progressive	$1473	$248
Frankenmuth	$2357	$393
State Farm	$4287	$729
Allstate	$2909	$495
Farmers	$14651	$2491

Car Insurance Price Trends in New Haven, Michigan

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 dipped by $260 in January compared to $332 of December. In other words, there has been an decrease by $72 when you compare January and December.

The average cost of liability insurance in the New Haven dipped to $92 in January, compared to $110 in December. This represents an decrease of $18 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in New Haven?

The car insurance in New Haven is $43 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 $103 per month for full coverage.

How much is car insurance in New Haven for teenagers?

Car insurance for teenagers costs $303 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 $1324 for a six-month policy. It will cost around $277 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.

Cheapest Car Insurance Quotes in New Haven

Why you can trust Way?

How Much Is Car Insurance in New Haven

Avg. Car Insurance in New Haven

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in New Haven

1st place: Travelers

2nd place: USAA

3rd place: Encompass

New Haven Car Insurance Rates by Company

Cheap Car Insurance Companies in New Haven, MI

Way's key takeaways about car insurance in New Haven

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in New Haven

Cheapest Liability Coverage in New Haven, MI

Cheapest Full Coverage Car Insurance in New Haven

Cheapest Full Coverage Car Insurance Quotes in New Haven, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in New Haven by Rating Factor

I have a clean driving record. Why is my car insurance rate here in New Haven, MI increasing?

Car Insurance Premiums by Age in New Haven

Cheapest Car Insurance Companies Based on Age Group

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

If you are in your twenties N/A is the best choice for car insurance in New Haven.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in New Haven

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

New Haven Car Insurance Rates by Violation

New Haven auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in New Haven after a DUI

New Haven car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in New Haven after Speeding ticket

Car Insurance Price Trends in New Haven, Michigan

Average Car Insurance Cost in New Haven by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near New Haven, MI

Car Insurance Rates by State in the USA (2025 Update)

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