Cheapest Auto Insurance in New Haven, Connecticut (2024)
State Farm offers the cheapest rates in New Haven, starting at $80 per month
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Written byAnna Baluch
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Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Courtney MikulskiSenior Editor, Auto
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Updated October 30, 2024
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Table of contents
New Haven is one of the oldest and most populous cities in the U.S. and is home to renowned educational institutions, including Yale University, New Haven University, and Albertus Magnus College. Having so many students and young drivers on the roads is likely why its car insurance rates are higher than the state’s average.
Drivers in New Haven pay monthly average rates of $311 for liability insurance and $498 for full coverage, compared to the state averages of $215 and $368. Despite these higher premiums, cheap car insurance is still available.
Here’s what you need to know about comparing quotes and finding an affordable auto policy in New Haven.
Quick Facts
State Farm, GEICO, and USAA have the cheapest car insurance in New Haven.
The Connecticut Department of Insurance recommends buying comprehensive coverage to protect against deer-related vehicle damage.[1]
Connecticut has an Auto Arbitration Program through which the state’s insurance department steps in if an insurance company and body shop can’t agree on an auto repair price.
3 of the cheapest car insurance companies in New Haven
The best car insurance policy for you will depend on several factors including your budget, driving record, coverage preferences, and more. That's why it's so important to compare quotes from several insurers. As you start your search, keep these three top insurers in mind.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $96 | $57 | Liability-only coverage |
| Foremost | 3.4 | N/A | N/A | High-risk drivers |
| GEICO | 9.0 | $118 | $70 | Digital experience |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for liability-only coverage: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $80/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $135/mo |
4.2
Best choiceBased on 8831 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,847)
Jannie
October 29, 2024
Verified Review
Good
The insurance is higher than other companies' policies.
Marsha
October 29, 2024
Verified Review
Friendly agents!
Check out their prices!
Linda
October 29, 2024
Verified Review
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is one of the largest car insurers in the U.S. and offers a variety of products in addition to car insurance, including motorcycle insurance, boat insurance, and small-business insurance. It offers a number of discounts and optional auto policies, such as emergency roadside assistance, rideshare insurance, and rental car coverage.
Pros
Personalized experience with local insurance agents
Select Service program for vehicle claims and repairs
Cons
Gap insurance not available
Can’t purchase a policy online
Best insurer for high-risk drivers: Foremost
| User Reviews | 3.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $339/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $382/mo |
3.7
A solid optionBased on 17 verified guest reviews and ratings
How drivers feel about Foremost
Drivers appreciate the patient customer service and flexible payment options but dislike the roadside service and inconsistent pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Collectible auto coverage
New and financed vehicles
How drivers feel about Foremost
Drivers appreciate the patient customer service and flexible payment options but dislike the roadside service and inconsistent pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Collectible auto coverage
New and financed vehicles
Reviews (11)
Barbara
October 22, 2024
Verified Review
Foremost Takes Care of My Home
I haven't had much contact with Foremost, but the interactions I've had have been very good and professional.
Tayla
October 8, 2024
Verified Review
Average
I could never get a hold of anyone.
Jessica
September 10, 2024
Verified Review
Somewhat Fair
During the COVID period, they didn't come out to my home for a claim. I feel they should have covered it based just on pictures.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.4A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Foremost is part of Farmers Insurance Group and has sold insurance products since 1952. The company partners with Bristol West to provide auto policies to high-risk drivers with DUIs, speeding tickets, and other traffic violations on their records. You can work with a Foremost agent for a personalized experience.
Pros
Caters to high-risk drivers
Offers collectible and classic car coverage
Cons
No online quotes
Few discounts advertised
Best insurer for digital experience: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $98/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $166/mo |
4.0
Best choiceBased on 10113 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,563)
Herman
October 29, 2024
Verified Review
Excellent
For us, it came down to cost and having all of our insurance with the same company, not farmed out.
Greg
October 29, 2024
Verified Review
It's Expensive
It's expensive.
Robert
October 29, 2024
Verified Review
Unpleasant Experience on Cape Cod
My insurance has gone from $37 a month to $82. Stay far away from this company.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
The Government Employees Insurance Company, now called GEICO, started in 1936. As a customer, you can create a personalized dashboard and manage your account online or on the go via the mobile app. It has a highly rated digital experience for policyholders, as evident in J.D. Power’s Insurance Digital Experience Study.
Pros
Robust mobile app
Top spot in J.D. Power’s auto insurance study in New England
Cons
Only six local agents in New Haven
Gap insurance and rideshare insurance not available
How to get the cheapest car insurance in New Haven
To find a great deal on an auto policy in New Haven, you’ll need to shop around and explore your options at different car insurance companies. Here are several additional tips that might help you find the cheapest rates for your unique situation:
Look for discounts. Most car insurance companies offer various discounts that can lower your car insurance costs. You can call a local insurance agent to ask about available discounts that may apply to you.
Take a defensive driving course. Some car insurers offer discounts to drivers who complete an approved defensive driving course. You might be able to take it online and get a lower rate.
Bundle insurance. If you pair your car insurance with homeowners insurance, renters insurance, or even life insurance, you can potentially save some money on your auto insurance premiums.
Drive safely. A driving record with incidents like speeding tickets and DUIs can increase your car insurance rates. Do your best to drive safely and maintain a clean driving record.
Find Cheap Car Insurance in New Haven
Liability rates start at $80 per month
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Cheapest liability-only car insurance in New Haven: State Farm
Connecticut law mandates that drivers purchase and maintain liability car insurance. This type of policy helps pay for the other driver’s property damage and injury costs after an at-fault accident.
Liability-only policies cost $311 per month on average in New Haven. This insurance is often the cheapest car insurance available because it offers limited coverage.
Here’s a look at the cheapest quotes for liability-only auto policies in New Haven.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $80 |
| GEICO | $98 |
| USAA | $109 |
| Liberty Mutual | $126 |
| Midvale Home & Auto | $144 |
| Progressive | $153 |
| Travelers | $163 |
| CSAA | $178 |
| Nationwide | $178 |
| Allstate | $188 |
| Foremost | $339 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in New Haven: State Farm
Full-coverage car insurance is optional in New Haven and typically includes liability, collision, and comprehensive insurance. Because it includes more coverages, it often costs more than a liability-only policy. The average price for full-coverage car insurance in New Haven is $498 per month.
If you finance or lease your car, your lender or lessor may require full-coverage car insurance to protect against financial losses from vehicle damages.
Here’s a look at the cheapest full-coverage car insurance companies in New Haven.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $135 |
| GEICO | $166 |
| USAA | $184 |
| State Auto | $208 |
| Liberty Mutual | $243 |
| Midvale Home & Auto | $245 |
| Progressive | $255 |
| CSAA | $257 |
| Travelers | $272 |
| Nationwide | $299 |
| Allstate | $316 |
| Foremost | $382 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near New Haven, Connecticut
Recent New Haven, Connecticut car insurance prices for Chevrolet, Subaru, Dodge , and more.
*Quotes generated for Insurify users in and around New Haven, Connecticut within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around New Haven, Connecticut within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Connecticut
Connecticut is an at-fault state — also called a tort state — and has been since 1994.[2] This means that the driver who causes a car accident is responsible for paying for the damages and injuries of the other involved parties, usually through their liability insurance.
Per Connecticut’s modified comparative negligence rule, you may be able to collect compensation for your losses, even if you were partially responsible for the accident. As long as you’re 50% or less at fault, you may be able to recover damages. Drivers are required to show proof of insurance to avoid fines and registration suspension.
Here are Connecticut’s minimum car insurance requirements:[3]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
While liability-only insurance is the most affordable option, you may want to invest in optional car insurance to protect you financially in different situations. Here are several policies you might want to explore as a driver in New Haven:
Comprehensive coverage
Comprehensive coverage may kick in after your vehicle sustains damage from non-collision events, such as fire, theft, and vandalism.
Collision coverage
Collision coverage pays to repair or replace your vehicle if you get into an accident with another driver or stationary object, no matter who’s responsible.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage can save you from hefty out-of-pocket costs if a driver without car insurance or with insufficient coverage hits you.
Rental car reimbursement
If you can’t drive your vehicle because it needs repairs after a car accident, rental car reimbursement can help cover the cost of a rental car.
Roadside assistance
Roadside assistance helps pay for emergency services, like towing or gas delivery, if you’re stranded on the side of the road.
Cheapest car insurance for drivers with an incident
A few examples of incidents that can increase your car insurance premiums are at-fault accidents, speeding tickets, and driving under the influence (DUI) convictions. New Haven drivers with clean records often pay the lowest premiums because car insurance companies view them as less risky.
Here’s an overview of the average cost of car insurance in New Haven, based on driving history.
Shop for Car Insurance in New Haven, CT
Monthly rates start at $98 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding can cause you to lose control of your vehicle and impair your ability to react to dangerous situations on the road, according to the National Highway Traffic Safety Administration.[4] For this reason, New Haven drivers with speeding tickets usually face higher rates. The average monthly insurance rate for drivers with a speeding ticket in New Haven is $432 for liability coverage and $691 for full coverage.
The table below shows the cheapest car insurance companies in New Haven for drivers with speeding tickets on their records.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $80 | $102 |
| GEICO | $98 | $126 |
| USAA | $109 | $140 |
| Liberty Mutual | $126 | $175 |
| Progressive | $153 | $196 |
| Travelers | $163 | $211 |
| CSAA | $178 | $234 |
| Nationwide | $178 | $231 |
| Allstate | $188 | $241 |
| Foremost | $339 | $472 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Between 2016 and 2021, Connecticut reported 501,320 car accidents.[5] If you cause a car accident, car insurers will perceive you as a greater risk on the road and likely charge you higher premiums as a result. Drivers in New Haven with an accident on their record pay an average of $434 per month for liability coverage and $695 for full coverage.
Here are the cheapest monthly quotes for New Haven drivers with an at-fault accident on their records.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $80 | $105 |
| GEICO | $98 | $130 |
| USAA | $109 | $145 |
| Liberty Mutual | $126 | $179 |
| Progressive | $153 | $206 |
| Travelers | $163 | $218 |
| CSAA | $178 | $246 |
| Nationwide | $178 | $239 |
| Allstate | $188 | $250 |
| Foremost | $339 | $482 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
There were 8,908 DUI-related accidents in Connecticut between January 2020 and April 2023.[6] The state takes DUIs very seriously and imposes consequences such as hefty fines and jail time. A DUI can also lead to higher auto insurance rates and warrant the need for an SR-22 insurance form.
Drivers in New Haven with a DUI pay monthly averages of $496 for liability coverage and $795 for full coverage.
The table below shows the cheapest car insurance companies for drivers with a DUI in New Haven.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $80 | $130 |
| GEICO | $98 | $159 |
| USAA | $109 | $177 |
| Liberty Mutual | $126 | $205 |
| Progressive | $153 | $248 |
| Travelers | $163 | $265 |
| CSAA | $178 | $289 |
| Nationwide | $178 | $289 |
| Allstate | $188 | $305 |
| Foremost | $339 | $550 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Because senior drivers are more likely to cause an accident than middle-aged drivers, their car insurance costs tend to be higher. Average rates usually go down around age 35 and pick back up a bit again around age 70, but seniors still typically have lower-than-average rates.[7]
Seniors in New Haven pay a monthly average of $229 for liability coverage and $367 for full coverage.
Here are the cheapest car insurance companies for New Haven seniors.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $99 | $59 |
| GEICO | $125 | $74 |
| USAA | $139 | $82 |
| Progressive | $172 | $103 |
| CSAA | $187 | $130 |
| Liberty Mutual | $192 | $100 |
| Travelers | $201 | $121 |
| Nationwide | $210 | $125 |
| Allstate | $240 | $143 |
| Foremost | $287 | $254 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teen drivers have less experience on the road and usually pay higher car insurance premiums as a result. In New Haven, teens pay a monthly average of $546 for liability coverage and $874 for full coverage.
Fortunately, teen drivers can save on a policy if they stay on their parents’ insurance, complete a defensive driving course, and lock in a good student discount.[8]
The table below shows average monthly car insurance quotes for teens and young drivers in New Haven.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $231 | $137 |
| GEICO | $264 | $156 |
| USAA | $308 | $182 |
| CSAA | $418 | $290 |
| Liberty Mutual | $431 | $224 |
| Progressive | $455 | $273 |
| Travelers | $492 | $295 |
| Nationwide | $518 | $308 |
| Allstate | $560 | $333 |
| Foremost | $681 | $604 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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New Haven car insurance quotes by credit tier
Connecticut allows car insurance companies to use your credit history when underwriting policies. Car insurance companies believe that drivers with good to excellent credit are less risky and file fewer claims than drivers with poor credit.[9] This is why many car insurers look at the credit histories of prospective policyholders to help determine rates.
The chart below shows that New Haven drivers with excellent credit pay $329 per month, on average, while drivers with poor credit pay an average of $661 per month.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in New Haven?
Car insurance premiums for New Haven drivers are significantly higher than the national average. It’s important to note that rates can vary by ZIP code and city within Connecticut due to differences in population, crime rates, weather conditions, and other factors.
New Haven has plenty of students attending school in and around the city, which could contribute to higher car accident rates. Bridgeport reported close to 18,000 car accidents between January 2020 and April 2023, but New Haven reported more than 20,000.[6]
More cities in Connecticut
Here’s a look at average car insurance quotes in some other Connecticut cities.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Bridgeport | $460 | $273 |
| Hartford | $499 | $328 |
| Waterbury | $436 | $261 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
New Haven car insurance FAQs
Check out Insurify’s guides on car insurance for college students and professors, and read the answers to common questions about car insurance in New Haven.
How much is car insurance in New Haven?
The average cost of car insurance in New Haven is $311 per month for liability insurance and $498 per month for full coverage.
Which company has the cheapest car insurance rates in New Haven?
State Farm offers the cheapest rates in New Haven, starting at $80 per month. GEICO and USAA also offer low rates in the area, at $98 and $109 per month, respectively.
What are the best car insurance companies in New Haven?
Some of the best car insurance companies in New Haven include GEICO and State Farm. These insurers have plenty of car insurance coverage options and solid Insurify Quality (IQ) Scores. But the best auto insurer for you depends on your specific needs, coverage options, and budget. New Haven drivers should always compare quotes to find the best deal for their needs.
What are the minimum car insurance requirements in New Haven?
Connecticut requires 25/50/25 minimum insurance limits. This translates to $25,000 per person and $50,000 per accident for bodily injury liability insurance and $25,000 per accident for property damage liability.[3]
How does living in New Haven affect your car insurance rates?
New Haven’s rate of car accidents and motor thefts affects your car insurance rates. Over a three-year period, New Haven reported more than 20,000 car accidents, approximately 7,000 a year, on average.[6] Additionally, New Haven’s schools attract young drivers in college, which can increase the risk of accidents. Higher accident rates like these can contribute to more expensive premiums for everyone.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Connecticut Department of Insurance. "Steer Clear of Deer."
- Connecticut General Assembly. "Substitute for H.B. No. 5176 Session Year 1993."
- Connecticut General Assembly. "State Minimum Auto Insurance Requirements."
- NHTSA. "Speeding and Aggressive Driving Prevention."
- Connecticut General Assembly. "State Crash Statistics and Backseat Passengers (2016-2021)."
- Connecticut Crash Data Repository. "Crash Emphasis Areas Dashboard: Last 3 years."
- III. "Senior driving safety and insurance tips."
- III. "Auto insurance for teen drivers."
- Connecticut General Assembly. "The Use of Financial History Measurement Programs in Automobile Insurance Underwriting or Rating."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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