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Cheapest car insurance in New Haven, Connecticut (Nov 2024)
Cheapest car insurance in New Haven, Connecticut (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in New Haven, Connecticut.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor
What's on this page?
- How to find the cheapest car insurance in New Haven
- Best car insurance companies in New Haven
- Cheap minimum liability insurance quotes in New Haven
- Average New Haven car insurance rates
- How do different factors impact your car insurance costs in New Haven?
- Cheap car insurance quotes in New Haven after driving violations
- Cheap car insurance quotes in New Haven based on insurance history
- Cheap car insurance quotes in New Haven for popular cars
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance in New Haven
On average,
car insurance
in New Haven costs $174 per month for minimum liability coverage, or about $197 per month for full-coverage insurance. New Haven drivers pay 31% more than Connecticut's
state average. Below are some of the cheapest car insurance quotes Jerry found for customers in New Haven.
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $287 | Augusta, 46 Zip: 06519 | Ford Escape S | • State Minimum Liability |
| Travelers | $206 | Francisco, 56 Zip: 06512 | Hyundai Tucson Limited | • 50,000/100,000 Liability • Comp / Collision |
| Safeco | $103 | Andre, 37 Zip: 06513 | Ford Explorer Sport | • 100,000/300,000 Liability • Comp / Collision |
| Allstate | $174 | Henrietta, 48 Zip: 06511 | Subaru Outback Premium | • 100,000/300,000 Liability • Comp / Collision |
| Plymouth Rock | $287 | Alma, 57 Zip: 06515 | Mercury Grand Marquis GS | • State Minimum Liability |
Last Updated Nov 24, 2024Best car insurance companies in New Haven
State Farm, Progressive, USAA, and GEICO have the largest market shares in Connecticut and may offer the best rates for Connecticut drivers.
But bigger isn’t always better! Check out what Jerry customers rated various insurance providers below.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Geico | 4.5 | 3.5 | 4.2 | 4.4 |
| Progressive | 4.4 | 3.9 | 3.2 | 4.3 |
| Farmers | 4 | 2.8 | N/A | 4.5 |
Liberty Mutual | 3.9 | 3 | N/A | 3.9 |
| State Farm | 3.8 | 3.2 | N/A | 4.2 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Cheap minimum liability insurance quotes in New Haven
You need at least $25,000 per person and $50,000 per accident in
bodily injury liability coverage
, as well as $25,000 for property damage liability coverage
per accident in Connecticut. For uninsured motorist coverage, your auto insurance policy should meet the same limits. Here are some examples of New Haven car owners that Jerry has assisted in obtaining minimum liability coverage.
Jeremy (25 years old)
$66
per month
Martha (37 years old)
$186
per month
Lawrence (70 years old)
$179
per month
Do you need more than minimum car insurance coverage in New Haven?
Connecticut has fairly average car insurance requirements. But most drivers need more than the 25/50/25 state minimum.
For better financial protection, consider upgrading your liability coverage limits to 50/100/50 or even 100/300/100—and invest in a full-coverage policy with high deductibles.
Cheap full coverage auto insurance quotes in New Haven
Full coverage car insurance
is the only way to protect yourself from costs associated with repairing or replacing your own vehicle. Full coverage policies include
comprehensive
and collision coverage
, in addition to your liability coverage. - Collision coverage helps cover the costs of repairs if your vehicle is damaged in an accident with another vehicle or stationary object (such as a tree or road sign).
- Comprehensive coverage helps cover costs associated with non-collision incidents, such as theft, vandalism, falling objects, or hail.
Take a look at what real Jerry drivers paid for various levels of coverage below.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $226 | Frances, 24 Zip: 06519 | Nissan Rogue S |
• 100,000/300,000 Liability • Comp / Collision | Safeco | $103 | Andre, 37 Zip: 06513 | Ford Explorer Sport |
• 50,000/100,000 Liability • Comp / Collision | Travelers | $206 | Francisco, 56 Zip: 06512 | Hyundai Tucson Limited |
• 100,000/300,000 Liability • Comp / Collision | Allstate | $174 | Henrietta, 48 Zip: 06511 | Subaru Outback Premium |
• State Minimum Liability • Comp / Collision | Plymouth Rock | $474 | Verna, 49 Zip: 06515 | Dodge Avenger SE |
Last Updated Nov 24, 2024Average New Haven car insurance rates
Based on Jerry’s work with drivers in New Haven, we’ve found that the average annual cost of minimum liability coverage is $174 each month, or about $2,092 per year. For full coverage, we’ve found that the average annual cost of minimum liability coverage is $2,360 per year or $197 per month.
Average cost of car insurance in New Haven by zip code
Even within the same city, car insurance rates can still vary.
That’s because the rate of car accidents, auto theft, and other incidents often differs among neighborhoods—and areas that experience higher rates are consequently considered higher risk. As a result, drivers living in these neighborhoods could face higher premiums than drivers in other areas.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
6510 | $119 | $235 |
6511 | $183 | $275 |
6515 | $196 | $228 |
6519 | $175 | $246 |
How do different factors impact your car insurance costs in New Haven?
How do different factors impact your car insurance costs in New Haven?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): Connecticut currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in New Haven:
Cheap car insurance quotes in New Haven after driving violations
Your driving history has a significant impact on car insurance rates. Violations on your record can drive up the cost of your annual premiums, especially if you have serious infractions.
Some common violations that could increase your insurance rates include:
- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in New Haven after speeding ticket
In Connecticut, the penalties for speeding vary based on the degree of the offense, but a
speeding ticket
will generally impact car insurance rates, with harsher penalties for harsher offenses.Last Updated Nov 24, 2024Cheapest car insurance in New Haven after DUI
Car insurance rates can vary dramatically between insurance providers when you have a
DUI on your Connecticut driving record
—so comparing rates is the best way to find the most affordable option after a DUI offense. Luckily, Jerry has helped many drivers in New Haven obtain affordable auto insurance rates after a DUI.
Sarah (34 years old)
$365
per month
Cheapest car insurance in New Haven after an at-fault accident
If you have an at-fault accident on your
Connecticut driving record
, you could see a steep increase in your insurance rates when your car insurance policy is up for renewal.See what Jerry drivers paid for insurance after various accident types below:
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | Travelers | $316 | Luis, 29 Zip: 06513 | Honda Civic EX | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Progressive | $88 | Allie, 40 Zip: 06510 | Nissan Rogue S | • State Minimum Liability • Comp / Collision |
Not At Fault | Allstate | $174 | Herman, 47 Zip: 06511 | Subaru Outback Premium | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Safeco | $226 | Scott, 49 Zip: 06511 | Buick Enclave CX | • State Minimum Liability • Comp / Collision |
Last Updated Nov 24, 2024Cheapest car insurance in New Haven after other driving violations
Car insurance premiums are sensitive to any mistake, big or small—whether it’s a speeding ticket, DUI conviction, or any other traffic violation. Here are some examples of how Jerry has helped other New Haven drivers find cheap car insurance despite previous violations.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Illegal Turn | Progressive | $86 | Florence, 38 Zip: 06513 | Jeep Compass Latitude | • State Minimum Liability |
Failure To Observe A Safety Zone | Nationwide | $335 | Leo, 41 Zip: 06511 | Chevrolet Traverse LT | • 50,000/100,000 Liability • Comp / Collision |
Driving on Sus. License | Safeco | $158 | Leroy, 30 Zip: 06511 | Hyundai Sonata GLS | • State Minimum Liability • Comp / Collision |
Failure to Yield | Bristol West | $350 | Joe, 29 Zip: 06515 | Honda Accord EXL | • State Minimum Liability • Comp / Collision |
Improper Passing | Plymouth Rock | $179 | Linnie, 69 Zip: 06512 | Nissan Rogue SV | • State Minimum Liability |
Last Updated Nov 22, 2024Cheapest car insurance in New Haven for young drivers
Teen drivers pay the highest insurance premiums of any age bracket in the Constitution State, while drivers with at least three years of experience see lower average rates.
Frances (24 years old)
$226
per month
Sarah (21 years old)
$383
per month
Cheap car insurance quotes in New Haven based on insurance history
The longer you have been insured, the lower your car insurance premium should be. Any
lapse in insurance coverage
could lead to being labeled a “high-risk driver,” resulting in higher premiums.Cheap car insurance quotes in New Haven for drivers with poor credit
Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $96 | Helen, 27 Zip: 06511 | Toyota Camry L | • State Minimum Liability • Comp / Collision |
660 - 750 | Allstate | $174 | Cory, 47 Zip: 06511 | Subaru Outback Premium | • 100,000/300,000 Liability • Comp / Collision |
660 - 750 | Bristol West | $299 | Jorge, 29 Zip: 06511 | Hyundai Sonata GLS | • State Minimum Liability |
550 - 659 | AAA | $192 | Marie, 59 Zip: 06519 | Chevrolet Lumina | • State Minimum Liability |
< 550 | National General | $213 | Cynthia, 24 Zip: 06519 | Nissan Sentra SV | • State Minimum Liability |
Last Updated Nov 18, 2024Cheap car insurance quotes in New Haven for popular cars
Your vehicle’s make and model also influence how much you pay for car insurance.
The cheapest cars to insure
have low repair costs, great security systems, and excellent safety ratings.Last Updated Nov 24, 2024FAQ
How much is car insurance in New Haven?
People living in New Haven pay on average $174 per month – or $2,092 per year – on state-minimum liability coverage. Full coverage in New Haven costs on average $197 per month of $2,360 per year.
What is the cheapest car insurance in New Haven?
Based on thousands of New Haven drivers Jerry has worked with, car insurance in New Haven costs an average of $174 per month for state-minimum coverage and $197 per month for full coverage.
What is the best car insurance in New Haven?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.
Nationwide
, Progressive
, and Kemper
receive good ratings from New Haven drivers, based on the largest car insurance survey in the nation conducted by Jerry.What is the minimum car insurance in New Haven, Connecticut?
The state minimum car insurance in New Haven, Connecticut is $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for damage to property. These coverage options are commonly referred to as 25/50/25 coverage.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.