Compare New Haven, CT Car Insurance Rates (2021)

The cheapest New Haven, CT car insurance is offered by State Farm, but rates will vary by driver. Auto insurance in New Haven must meet the state requirements of 25/50/25 in liability coverage and 25/50 in uninsured/underinsured motorist coverage. Compare New Haven, CT auto insurance rates online to find the cheapest coverage for you.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Aug 16, 2021

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Here's what you need to know...

  • State Farm offers the cheapest New Haven, CT car insurance
  • New Haven has above average auto insurance rates
  • Drivers in New Haven must have a minimum amount of liability and uninsured/underinsured motorist coverages

New Haven, CT car insurance is expensive. In fact, it’s higher than the national and Connecticut car insurance average rates.

Although rates are generally high, you can still find affordable New Haven, CT car insurance if you shop around. Compare rates from multiple companies to find the cheapest car insurance for you.

Monthly New Haven, CT Car Insurance Rates by ZIP Code

Find more info about the monthly New Haven, Connecticut 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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Enter your ZIP code now to compare free New Haven, CT car insurance quotes today.

What is the cheapest car insurance company in New Haven, CT?

State Farm offers the cheapest car insurance in New Haven. However, rates will be different for every driver.

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 top New Haven, CT car insurance companies listed from least to most expensive are:

  • State Farm – $3,935.59
  • GEICO – $4,223.88
  • USAA – $4,277.17
  • Nationwide – $4,890.12
  • Allstate – $6,858.52
  • Progressive – $7,231.86
  • Liberty Mutual – $8,718.72
  • Travelers – $9,256.06

Your car insurance is affected by many different factors, including your age, ZIP code, driving record, and credit history. Even the New Haven, CT weather can affect your rates since rain and snow can lead to more accidents.

Each company will consider these factors differently and charge different rates. Compare multiple companies to find cheap car insurance for you.

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, and Massachusetts. 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, Connecticut.

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What car insurance coverage is required in New Haven, CT?

Like most states, Connecticut does require drivers to carry at least a minimum amount of car insurance. New Haven drivers must have:

  • $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

In a serious accident, these limits would be exhausted quickly, leaving you to pay out of pocket for damages. Drivers in New Haven should consider increasing these limits and adding additional coverages, such as collision and comprehensive coverages.

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What affects car insurance rates in New Haven, CT?

Traffic can have a big impact on your car insurance rates because more cars on the road can mean more accidents.

INRIX ranks New Haven as the 36th most congested city in the U.S. Drivers in New Haven lose about 18 hours a year sitting in traffic.

City-Data reports that drivers in New Haven, CT spend about 25 minutes commuting. While most commuters drive alone, a significant amount chooses to carpool, walk, or use public transportation.

Theft can also increase your auto insurance rates. According to the FBI, there were 643 motor vehicle thefts in New Haven in one year.

New Haven, CT Car Insurance: The Bottom Line

New Haven car insurance is expensive, although State Farm offers on average the cheapest coverage.

Shop around before you buy New Haven car insurance to find the best coverage and the cheapest rates for you.

Enter your ZIP code now to compare New Haven, CT car insurance rates from multiple companies.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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