Compare the Cheapest Car Insurance Quotes in New Haven, CT

MoneyGeek ranked car insurance companies in New Haven with great service and affordable rates. To help you find the best rates, we analyzed policies using varying coverage amounts and driving records. The average car insurance rate in New Haven is $1,469 annually, 1.9% higher than Connecticut’s average. The insurer with the cheapest rate is GEICO, at roughly $879 per year.

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Last Updated: 5/16/2022
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GEICO is the cheapest car insurer in New Haven, with an annual premium of $879 and a state minimum coverage cost of $440. It’s also the cheapest option for drivers with tickets. Note that the rate may still change depending on your desired coverage and driver profile.

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The Cheapest and Best Car Insurance in New Haven

The Cheapest Car Insurance Companies in New Haven

If you are looking for the most affordable full coverage policy in New Haven, here are your top choices:

  • GEICO: $879 per year
  • State Farm: $1,290 per year

Members of the military and veterans should consider USAA. The company offers the second cheapest full coverage policy in New Haven.

A full-coverage policy has comprehensive and collision insurance in addition to the liability coverage. GEICO’s rate is $970 less than that of MetLife, whose full coverage policy is the most expensive in the city. Nevertheless, the policy’s rate may still change depending on the amount of liability insurance you get.

Cheapest Car Insurance in New Haven
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    GEICO
    $879
  • 2.
    USAA
    $885
  • 3.
    State Farm
    $1,290
  • 4.
    Progressive
    $1,313
  • 5.
    Amica Mutual
    $1,361
  • 6.
    Nationwide
    $1,464
  • 7.
    Travelers
    $1,486
  • 8.
    Allstate
    $1,702
  • 9.
    MetLife
    $2,260

The average rates used in this analysis were based on a sample profile of a 40-year-old New Haven male driver carrying a full coverage policy, as defined in our methodology.

A full coverage auto insurance policy may be more expensive than a state’s minimum coverage. Nevertheless, this policy offers better protection with its comprehensive and collision insurance.

  • Comprehensive insurance: This will cover damages to your vehicle that are not caused by a collision.
  • Collision insurance: It covers damage to your vehicle resulting from a collision with an object.

If you have an older car, you may want to choose liability-only insurance or state minimum insurance instead of the full coverage because it’s more expensive than your car.

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Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in New Haven for Minimum Coverage

The minimum coverage is the cheapest available insurance. In New Haven, the cheapest minimum coverage are available from:

  • GEICO - $440 per year
  • Amica Mutual - $689 per year

USAA actually comes next to GEICO with a minimum coverage premium of $462 per year. However, it’s only available for those working or who have worked in the military.

Compared to the most expensive company, which is MetLife, GEICO’s price is cheaper by $1,206. The policy may be cheap, but it also offers the least protection. You’ll only get what you pay for, which is a low level of liability coverage. See the table below for the liability coverage costs.

Cheapest Minimum Liability Car Insurance in New Haven
State Minimum

As mentioned above, a minimum coverage policy is the cheapest policy you can buy in New Haven and probably elsewhere. It only includes liability insurance, without comprehensive or collision coverage. If you’ve been in an accident and need to pay $60,000 in medical bills, $40,000 is the only amount your bodily injury liability insurance will cover. In this case, you will shoulder the remaining $20,000.

Connecticut Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
  • Uninsured Motorist
    $25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.

Cheapest Car Insurance in New Haven if You Have Driving Violations

If you often commit serious driving violations, like DUI, you’ll pay a higher insurance premium than drivers with no violation. If you need a car insurance, here’s where you can get the cheapest for different violations:

  • Cheapest after a ticket: State Farm, $1,404 per year
  • Cheapest after an at-fault accident: GEICO, $1,266 per year
  • Cheapest after a DUI: State Farm, $1,404 per year

For speeding tickets and at-fault accidents, USAA may be the cheapest option for military members and veterans.

You can save more and find cheaper deals by improving your driving records. It may take a while, so in the meantime, you can resort to comparing rates to find the best cheap car insurance after tickets and accidents.

Cheapest Car Insurance in New Haven With a Violation
Speeding Ticket

Average Cost of Car Insurance in New Haven

New Haven$1,469
CT$1,442
U.S.$1,424

The average rate of car insurance in New Haven is more expensive than the state and national averages.

Although drivers in Connecticut pay an average of $1,442 per year, those in New Haven spend a little more. With the average price of car insurance in New Haven costing $1,469 per year, it’s 1.9% higher than Connecticut’s average rate. The variance between the city average and the nation's is bigger. The national average is $1,424 per year, meaning that New Haven’s average rate is 3.2% higher.

Personalized Quotes to Get You the Cheapest Car Insurance in New Haven

Different car insurance companies in New Haven have different rates. Factors like your car’s make and model, annual mileage and driving history also affect your policy’s premium. Drivers are encouraged to compare personalized auto insurance rates regularly since you never know when you might be eligible for rebates or a discount.

Compare Car Insurance Rates in New Haven

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in New Haven

MoneyGeek evaluated several carriers, and the ones offering the best car insurance in New Haven balancing high-quality service at affordable rates are:

  • State Farm: MoneyGeek score of 92.5 out of 100
  • GEICO: MoneyGeek score of 92.5 out of 100

USAA offers the best plans that exclusively cater to former and current military members and their families.

The unique rating system used by MoneyGeek uses several parameters, including J.D. Power’s user satisfaction, financial strength and affordability.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
State Farm
Score:92.5

5/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

3
GEICO
Score:92.5

5/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Allstate
Score:87.5

3/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

5
Nationwide
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Progressive
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

7
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

8
Hanover
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
MetLife
Score:77.5

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

10
Liberty Mutual
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

11
MAPFRE Insurance
Score:75

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

12
Safety Group
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

13
Arbella Insurance Group
Score:72.5

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

14
Plymouth Rock Assurance
Score:72.5

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

15
Safeco
Score:72.5

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

Average Cost of Car Insurance by Postal Code

What part of the city you reside in affects the price of car insurance in New Haven. Postal codes help insurers determine the risk level of your neighborhood. You can even use ZIP codes to compare car insurance rates in Connecticut.

In New Haven, however, there is no difference in rates between ZIP codes. Regardless of whether you’re in the 06511 area or 06513, in New Haven, the average rate of car insurance is $1,469 per year.

  • Zip Code
    State Minimumper year
  • 06511
    $1,469
  • 06513
    $1,469

Factors That Impact Insurance Costs in New Haven

In addition to individual driver needs and history, location-specific factors like the rate of fatal accidents and the percentage of uninsured motorists also contribute to car insurance rates in New Haven. How New Haven ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities23rd/300
handcuffs2 icon
Most Car Thefts141st/300
uninsured icon
Most Uninsured Motorists by State36th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall53rd/300
umbrella icon
Most Rainy Days129th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for New Haven are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.