Best Cheap Auto Insurance in New Haven, CT (2021)

The cheapest auto insurance in New Haven, CT is from State Farm, although rates will vary for each person. New Haven, CT auto insurance must meet the Connecticut minimum requirements with coverage levels of 25/50/25 for liability and 25/50 UM/UIM coverage. Compare New Haven, CT car insurance rates online to get the best price for you.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 5, 2021

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to Remember

  • The cheapest auto insurance company in New Haven, CT is State Farm
  • New Haven, CT is one of the most expensive cities in Connecticut
  • You can guarantee cheaper rates with defensive driver and good credit discounts
  • Use public transportation to reduce driving and to qualify for a low mileage discount

New Haven, CT auto insurance rates are $6,238 per year, which is $1,619 more than the average Connecticut auto insurance and $2,306 more expensive than the national average.

You can save on New Haven, CT auto insurance quotes by shopping around, comparing rates, and looking for discounts. Read through this guide to learn how to get cheap auto insurance in New Haven, CT for every age, credit history, and driving record.

Monthly New Haven, CT Car Insurance Rates by ZIP Code

Find more info about the monthly New Haven, CT auto insurance rates by ZIP Code below:

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New Haven, CT Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s vital to compare New Haven, CT against other top US metro areas’ auto insurance rates.

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Are you ready to find affordable New Haven, CT auto insurance? Enter your ZIP code above to get started.

What is the cheapest New Haven, CT auto insurance company?

The cheapest auto insurance company in New Haven, based on average rates, is State Farm.

The cheapest New Haven, CT car insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Connecticut car insurance company rates?” We cover that as well.

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The best auto insurance companies in New Haven, Connecticut, ranked from cheapest to most expensive are:

  • State Farm – $3,936
  • GEICO – $4,224
  • USAA – $4,277
  • Nationwide – $4,890
  • Allstate – $6,859
  • Progressive – $7,232
  • Liberty Mutual – $8,719
  • Travelers – $9,256

State Farm, GEICO, USAA, and Nationwide have cheaper premiums than New Haven, CT auto insurance average.

Several factors determine the costs at New Haven, CT car insurance company. One of the most significant factors is your driving history.

Any accident, DUI conviction, or speeding ticket can drive up your New Haven, CT car insurance quotes. Therefore, the quickest road to affordable New Haven, CT car insurance is through a clean driving record.

Even your ZIP code is a factor. However, our research found that New Haven, CT car insurance rates have a fixed rate across all six of its ZIP codes.

New Haven, Connecticut car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your New Haven, CT car insurance rates. Find the cheapest New Haven, Connecticut car insurance rates by coverage level below:

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Your credit score will play a major role in your New Haven, CT car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest New Haven, Connecticut car insurance rates by credit score below.

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Your driving record will affect your New Haven car insurance rates. For example, a New Haven, Connecticut DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest New Haven, Connecticut car insurance rates by driving record.

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Factors affecting car insurance rates in New Haven, CT may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest New Haven, Connecticut car insurance.

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These states no longer use gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a large factor because young drivers are considered high-risk drivers in New Haven. CT does use gender, so check out the average monthly car insurance rates by age and gender in New Haven, CT.

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What are the minimum auto insurance requirements in New Haven, CT?

All New Haven drivers have to meet the Connecticut state law minimum requirements for car insurance.

In Connecticut, you have to carry at least:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $25,000 per incident for property damage
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist coverage

Connecticut is an at-fault state. This means that an at-fault driver must use their auto insurance policy to pay for bodily injury and property damage to the no-fault driver.

It’s recommended that the driver pursue 50/100/50 coverage to reassure that you don’t have any out-of-pocket costs if you’re at fault in an accident.

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What other factors affect auto insurance in New Haven, CT?

New Haven, CT auto insurance companies will consider your age when calculating insurance premiums. Age correlates to the driving experience of the driver on the policy.

If you’re a parent with one or more young drivers on your policy, try to stack discounts with good credit and secure more affordable New Haven, CT car insurance.

According to Experian, auto insurance companies issue cheaper rates to customers with good and exceptional credit.

City-Data reports that New Haven is mostly urban. Urban areas are known for dense populations and higher chances of filed claims.

To reduce your risks in New Haven, you can drive less than average. According to Data USA, the average commute time in New Haven, CT is 22 minutes.

If you public transportation more and drive less, you can lower your New Haven, CT auto insurance with a low-mileage discount.

New Haven, CT Auto Insurance: What’s the bottom line?

New Haven, CT carries some of the most expensive auto insurance premiums in the state. New Haven, CT car insurance is so costly because it’s the second most populated city in Connecticut.

However, you can slash high prices by stacking discounts. If a company’s quote is too expensive, keep shopping around until you find what’s best for you.

Before you buy New Haven, CT auto insurance, be sure you’ve checked rates with multiple companies. Use our free online quote tool below to get fast, free auto insurance quotes.

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Monthly New Haven, CT Auto Insurance Rates by ZIP Code
New Haven, CT Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
New Haven, CT Auto Insurance Rates by Company vs. City Average
New Haven, CT Auto Insurance Rates by Company and Age
The Cheapest New Haven, CT Auto Insurance Rates by Coverage Level
The Cheapest New Haven, CT Auto Insurance Rates by Credit Score
The Cheapest New Haven, CT Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in New Haven, CT
Average Monthly Auto Insurance Rates by Age & Gender in New Haven, CT
Monthly New Haven, CT Auto Insurance Rates by ZIP Code
New Haven, CT Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
New Haven, CT Auto Insurance Rates by Company vs. City Average
New Haven, CT Auto Insurance Rates by Company and Age
The Cheapest New Haven, CT Auto Insurance Rates by Coverage Level
The Cheapest New Haven, CT Auto Insurance Rates by Credit Score
The Cheapest New Haven, CT Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in New Haven, CT
Average Monthly Auto Insurance Rates by Age & Gender in New Haven, CT