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Cheapest car insurance in New Haven, Connecticut (Feb 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in New Haven, Connecticut.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor

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 companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$181
Howard, 31
Zip: 06519
Honda Civic LX
• State Minimum Liability
Allstate
$174
Ella, 47
Zip: 06511
Subaru Outback Premium
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$103
Sophie, 36
Zip: 06513
Ford Explorer Sport
• 100,000/300,000 Liability
• Comp / Collision
Nationwide
$186
Justin, 36
Zip: 06515
KIA Forte EX
• State Minimum Liability
• Comp / Collision
Plymouth Rock
$179
Inez, 69
Zip: 06512
Nissan Rogue SV
• State Minimum Liability
coverageLast Updated Feb 21, 2024

Best 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 companyOverall ratingPriceClaims experienceCustomer 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
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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.
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Howard (31 years old)
coverageCoverage
State Minimum
locationNew Haven, CT
(Zip Code: 06519)
$181
per month
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Dorothy (26 years old)
coverageCoverage
State Minimum
locationNew Haven, CT
(Zip Code: 06513)
$155
per month
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Leo (29 years old)
coverageCoverage
State Minimum
locationNew Haven, CT
(Zip Code: 06515)
$133
per month
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Glenn (28 years old)
coverageCoverage
State Minimum
locationNew Haven, CT
(Zip Code: 06511)
$120
per month
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Harriett (32 years old)
coverageCoverage
State Minimum
locationNew Haven, CT
(Zip Code: 06512)
carToyota C-HR XLE
$128
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 coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$560
Theresa, 47
Zip: 06511
Nissan Altima 2.5
• State Minimum Liability
• Comp / Collision
Nationwide
$186
Charles, 36
Zip: 06515
KIA Forte EX
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$103
Sophie, 36
Zip: 06513
Ford Explorer Sport
• 100,000/300,000 Liability
• Comp / Collision
Allstate
$311
Shane, 40
Zip: 06513
Ford Fusion SE
• 50,000/100,000 Liability
• Comp / Collision
State Auto
$298
Myrtle, 26
Zip: 06519
Ford Fusion Titanium
coverageLast Updated Feb 19, 2024

Average 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 CodeAverage State Minimum Coverage RateAverage 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?

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Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
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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.
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Safeco
$64
Effie, 40
Zip: 06509
Porsche Cayman
• State Minimum Liability
• Comp / Collision
Speeding 6-10
Allstate
$60
Mario, 35
Zip: 06503
Volkswagen Beetle
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Feb 18, 2024

Cheapest 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. 
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Mae (33 years old)
coverageCoverage
State Minimum
locationNew Haven, CT
(Zip Code: 06513)
$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 typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Travelers
$316
Loretta, 29
Zip: 06513
Honda Civic EX
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Progressive
$88
Ian, 40
Zip: 06510
Nissan Rogue S
• State Minimum Liability
• Comp / Collision
Not At Fault
Allstate
$174
Marc, 47
Zip: 06511
Subaru Outback Premium
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Safeco
$226
Allie, 49
Zip: 06511
Buick Enclave CX
• State Minimum Liability
• Comp / Collision
coverageLast Updated Feb 18, 2024

Cheapest 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.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Progressive
$86
Alan, 38
Zip: 06513
Jeep Compass Latitude
• State Minimum Liability
Failure To Observe A Safety Zone
Nationwide
$335
Cordelia, 41
Zip: 06511
Chevrolet Traverse LT
• 50,000/100,000 Liability
• Comp / Collision
Driving on Sus. License
Safeco
$158
Micheal, 30
Zip: 06511
Hyundai Sonata GLS
• State Minimum Liability
• Comp / Collision
Failure to Yield
Bristol West
$350
Ruby, 29
Zip: 06515
Honda Accord EXL
• State Minimum Liability
• Comp / Collision
Improper Passing
Plymouth Rock
$179
Nora, 69
Zip: 06512
Nissan Rogue SV
• State Minimum Liability
coverageLast Updated Feb 20, 2024

Cheapest 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.
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Irene (22 years old)
coverageCoverage
State Minimum
locationNew Haven, CT
(Zip Code: 06519)
$286
per month
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Dollie (21 years old)
coverageCoverage
State Minimum
locationNew Haven, CT
(Zip Code: 06511)
$495
per month
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Brett (23 years old)
coverageCoverage
State Minimum
locationNew Haven, CT
(Zip Code: 06513)
carAcura TSX
$199
per month
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Lucy (20 years old)
coverageCoverage
State Minimum
locationNew Haven, CT
(Zip Code: 06511)
$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 RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$96
Isaiah, 27
Zip: 06511
Toyota Camry L
• State Minimum Liability
• Comp / Collision
660 - 750
Allstate
$174
Tom, 47
Zip: 06511
Subaru Outback Premium
• 100,000/300,000 Liability
• Comp / Collision
660 - 750
Bristol West
$299
Duane, 29
Zip: 06511
Hyundai Sonata GLS
• State Minimum Liability
550 - 659
AAA
$192
Myra, 59
Zip: 06519
Chevrolet Lumina
• State Minimum Liability
< 550
National General
$213
Nettie, 24
Zip: 06519
Nissan Sentra SV
• State Minimum Liability
coverageLast Updated Feb 21, 2024

FAQ

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

avatar
R.E. Fulton
badge icon
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.
avatar
Amy Bobinger
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Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. As a car owner herself, Amy is passionate about creating content that helps consumers navigate challenging and sometimes difficult processes relating to car ownership and achieve financial success in areas relating to cars.
A lifelong writer with over 10 years of experience as a freelance editor, 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.
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Josh Damico
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Head Of Insurance Operations
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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.