New Haven, CT Auto Insurance | Cheap Car Insurance in New Haven, CT
The average cost of New Haven, CT auto insurance is $188 per month. Car insurance in New Haven, CT, is determined by age, credit score, driving record, and vehicle. Use these factors to your advantage to secure cheap New Haven, CT car insurance. Raising your deductible can also reward you with cheaper car insurance in New Haven, CT. Don't forget to compare multiple companies and shop around the find the best rates.
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Rachael Brennan
Licensed Insurance Agent
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...
Licensed Insurance Agent
UPDATED: Jul 19, 2021
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- New Haven, CT auto insurance rates cost $188 per month on average.
- Age, credit score, driving record, and vehicle type are the most significant factors that determine auto insurance in New Haven, CT.
- Deductibles, education level, and gender have a small effect on your New Haven auto insurance.
- If you move to New Haven, you could earn money just for living there.
Drivers looking for New Haven, CT auto insurance have several choices. Cheap car insurance in New Haven, CT, will take more time to find. The best New Haven, CT car insurance companies provide affordable premiums. The key to securing cheap auto insurance in New Haven, CT, is comparing multiple companies.
Our guide found that Allstate, State Farm, Liberty Mutual, Amica, and Victoria are all reliable companies in New Haven, CT, that provide affordable solutions to auto insurance. Continue reading to learn how you can be eligible for cheap New Haven, CT car insurance.
If you want to dive right into auto insurance quotes, enter your ZIP code in the FREE online tool above to compare New Haven, CT auto insurance quotes from the best companies today.
How much does New Haven, CT auto insurance cost?
Let’s jump right into the average New Haven, CT auto insurance rate, and compare it to the state and national average.
| New Haven, CT Average Monthly Rate | Connecticut Average Monthly Rate | National Average Monthly Rate |
|---|---|---|
| $188 | $141 | $129 |
New Haven’s car insurance average is $47 higher than the state average and $59 higher than the national average. However, there’s a way to get cheaper rates. Continue reading our guide to find out how.
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New Haven, CT Auto Insurance Coverage Requirements
Connecticut auto insurance requires all drivers to have 20/40/10 in liability coverage. Liability insurance pays if the driver is at fault for the accident.
Let’s use this chance to review Connecticut’s auto insurance requirements and compare it to that most common coverage limit.
| Auto Insurance Coverage | CT Coverage Requirements | Most Common Coverage Amounts in CT |
|---|---|---|
| Bodily Injury Liability | 20,000/40,000 | 100,000/300,000 |
| Property Damage Liability | 10,000 | 50,000 |
| Uninsured Motorist Bodily Injury | 20,000/40,000 | 20,000/40,000 |
| Medical Payments | Not required | 5,000 |
| Collision | Not required | 500 deductible |
| Comprehensive | Not required | 0 deductible |
However, keep in mind that liability insurance is extremely limited in what claims it will payout. For theft, vandalism, or an accident that is the other driver’s fault, your insurance will not cover you.
It may be advisable to get more than the minimum if the car is stolen or someone else causes the accident.
Cheapest New Haven, CT Auto Insurance Companies
The average motorist in Connecticut might find themselves paying as high as $141 per month for their automotive insurance. This section will help New Haven drivers get great deals as low as $80 per month. To learn how to become one of these few, keep reading.
Allstate and State Farm have some of the most affordable New Haven, CT auto insurance currently. However, there’s more to good automotive insurance coverage than low monthly New Haven, CT auto insurance rates.
Do they have friendly customer service? Will they pay out on claims as outlined in your agreement? There are various companies to research, including Auto-Cycle Insurance Inc in New Haven, CT (or Auto-Cycle Insurance New Haven CT), and more.
Make sure you get good background information on all your prospective insurance companies before you make a final decision.
Auto insurance carriers evaluate different elements when determining insurance quotes, including driving violations, accident claims, occupation, driving distance to work, and multiple cars and drivers. Also, keep in mind that premiums differ from company to company.
The Best Auto Insurance Companies in New Haven, CT
Before we move on to major factors, let’s review the top 10 companies in New Haven, CT.
- Abbate Insurance Associates
- A&S Insurance
- State Farm
- Allstate
- A-AAABLE Auto Insurance
- ABC Auto Insurance
- Amity Insurance & Financial Services
- Luis Feliciano Insurance Agency
- Auto Cycle Insurance
- Vantage Point Insurance
As you shop for auto insurance, you’ll find several companies that may or may not better. Shop around to secure the best auto insurance policy.
Major Factors in Cheap Auto Insurance in New Haven, Connecticut
New Haven, CT auto insurance companies take many factors into account when creating an auto insurance policy. Unfortunately, many of these factors are difficult or impossible to change, such as your credit score or the vehicle make/model year.
Your Location
Where you park your car each night will have a major impact on your auto insurance rate. Generally, car insurance is cheaper in rural areas because fewer cars mean a smaller chance that you will get into a collision with another vehicle.
The population of New Haven is 130,660, and the median household income is $36,196. Let’s review the cost of car insurance in New Haven and compare it to other Connecticut cities.
Automotive Accidents
If you live in a high-traffic area notorious for motor vehicle accidents, your monthly premiums will likely reflect this danger in the form of a higher payment. You can see the fatal accident statistics for New Haven in the chart below.
There were nine fatalities recorded in 2013, which is low compared to some areas, but your automotive insurance company may still adjust their rates accordingly.
Auto Thefts in New Haven, CT
Auto theft is a major problem, especially in densely populated cities. If your location and vehicle model put you at a greater risk for theft, you may have trouble finding low-cost car insurance.
According to the latest FBI statistics, the total number of stolen vehicles in New Haven was 674 back in 2018. Although this is lower than in previous years, it can’t hurt to consider adding Comprehensive coverage to your policy to protect against auto theft.
Your Credit Score
Your credit score can have a bigger impact on your monthly premiums than you might think. Just look at the data presented in the following chart.
For someone with excellent credit, their monthly premium is anywhere from 50 to 75 percent cheaper than the monthly costs for someone with poor credit.
Why do car insurance companies want to know about your credit score? According to the Federal Trade Commission, auto insurance companies can assess the risk of a customer by looking at their credit score.
The better the credit score, the less likely that the customer will file a claim. People with poor and fair credit pay more because they present a higher risk for auto insurance companies.
Your Age
Young, inexperienced drivers will be charged much higher rates per month than someone in their 30s, 40s, or beyond. The less experience you have behind the wheel, the more likely you are to cause an accident. Charging teenage drivers a higher premium is the insurance company’s way of offsetting potential expenses.
Your Driving Record
Another major factor that influences your auto insurance premiums is your driving record. For minor violations, such as a speeding ticket or a “fender-bender,” your insurance will increase somewhat (anywhere between 18 and 30 percent).
However, some companies with an “Accident forgiveness” policy may ignore past discrepancies from your record.
But for more serious violations, such as a DUI, your car insurance rates could double in price virtually overnight. Some major providers might discontinue your coverage entirely for being cited with a DUI or a reckless driving violation.
Your Vehicle
The only significant factor auto insurance companies care about is how much it will cost them to replace your car if a severe accident occurs.
Because luxury vehicles are so much more expensive than regular sedans, monthly premiums for these automobiles are much higher. Let’s compare a Porche Boxster Spyder to a Honda Accord to see the standard New Haven, CT auto insurance rate for both vehicles.
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Minor Factors in Cheap Auto Insurance in New Haven, Connecticut
This section explores factors that have a small impact on your auto insurance in New Haven, CT. Below are some factors that also have a surprising influence on your rates.
Your Marital Status
For single policies, marital status is a negligible factor when determining your premiums. However, married couples have the option of bundling their policies together. Most insurance providers will offer substantial discounts for this.
Your Gender
Think men are terrible drivers? Well, your insurance provider will most likely beg to differ. Many companies these days are offering the same monthly premiums, regardless of gender. And providers who charge different premiums for men and women only do so by a few dollars per month.
Your Driving Distance to Work
Workers in New Haven can expect a relatively short commute time of about 10 to 19 minutes. A little over 50 percent of motorists drive their cars to work.
The closer you get to the heart of New Haven, the more likely you are to see up to 75 percent of employees walking into the office.
Some companies will adjust your rate based on why you drive or how far you drive each year.
Even though your provider might request this information from you, driving a few thousand miles each year for pleasure tends to cost about the same as driving tens of thousands of miles for work, give or take a few percentage points.
However, if your automobile is registered as a business vehicle on your insurance policy, you could be looking at ten to 15 percent higher premiums each month.
Your Coverage and Deductibles
Someone who only buys the state minimum mandatory coverage will pay less per month than a driver with additional coverage on their policy.
If you feel you need more than the mandatory minimum coverage but don’t want to pay expensive premiums each month, try raising your deductible. This is especially economical for safe drivers who don’t anticipate a need to file multiple claims.
Education in New Haven, CT
If you live in New Haven, you could try going back to school to save money on your car insurance since providers usually give lower rates to drivers with degrees.
Getting a better job or negotiating a higher salary won’t alter your rates as much as having an advanced degree. Most motorists in New Haven have either a high school diploma or less than full high school education.
Yale is the point of pride in the university system in New Haven. As an Ivy League school, it attracts some of the best and the brightest each year and has been educating students since the early 1700s.
Additionally, there are private institutions such as Albertus Magnus College and Southern Connecticut State University. Unfortunately, for most insurance companies, a simple internet search can reveal many of their trade secrets.
But even with the correct information, it can still be difficult for you as an individual to figure out your risk profile and find low-cost insurance. Make sure you do your due diligence before you commit to your next car insurance policy.
New Haven, CT Rankings
New Haven is number two on the top 101 cities with the largest percentage of females in mathematical science occupations.
What other rankings is New Haven, CT is known for in Connecticut? Here’s a list of notable rankings of New Haven, CT.
- New Haven, CT, is number two in “Cities with the Most DUIs Rank.”
- The most popular car in New Haven, CT, is the Honda Accord.
- New Haven is ranked 14th in “Cities with the Most Speeding Tickets.”
Did you know New Haven, CT, is paying people to live in the city? This news report details how New Haven, CT, is ranked as one of the top cities that pay citizens to live there.
Other New Haven, CT Facts
New Haven is home to the prestigious ivy-league university, Yale. But did you know that New Haven is also the home of vulcanized rubber? Additionally, New Haven is a popular seaport and distribution hub. Economically speaking, biotechnology is a major industry in New Haven.
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How We Conducted Our Auto Insurance Analysis
We calculated our average auto insurance rates based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home.
Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
Frequently Asked Questions: New Haven, CT Auto Insurance
Let’s recap on what you’ve learned. We’re dedicating this final section to frequently asked questions. These answers will give you more confidence as you shop for New Haven, CT car insurance.
Are you ready to buy New Haven, CT auto insurance? It’s not too late to grab a quote. Enter your ZIP code in the FREE comparison tool below to compare multiple New Haven, CT auto insurance companies.
#1 – How does my ZIP code affect New Haven, CT auto insurance rates?
Your ZIP code pinpoints where you live in New Haven, CT. It will reveal whether you live in an urban, suburban, or rural area. Auto insurance companies will assess your location and generate a rate based on where you live.
#2 – How can I get the cheapest auto insurance in New Haven, CT?
Comparison shopping is a sure way to find cheap auto insurance in New Haven, CT. Use our FREE comparison tool to find affordable car insurance in New Haven, CT.
#3 – Who offers the cheapest auto insurance in New Haven, CT?
According to our research, Allstate carries the cheapest car insurance in New Haven, CT.
#4 – What are the best ten auto insurance companies in New Haven, CT?
Abbate Insurance Associates, A&S Insurance, State Farm, Allstate, A-AAABLE Auto Insurance, ABC Auto Insurance, Amity Insurance & Financial Services, Luis Feliciano Insurance Agency, Auto Cycle Insurance, and Vantage Point Insurance.
#5 – What’s the average auto insurance rate in New Haven, CT?
The average cost of car insurance in New Haven, CT, is $188/month or $2,256/year.