Which insurer offers the best rates will depend on your unique situation as a driver. For drivers with a DUI, State Farm is the cheapest. Amica Mutual is a solid option for those who prioritize customer service. GEICO is best for minimum coverage, full coverage, drivers with tickets, drivers with accidents and teen drivers. USAA is best for military members.
Cheapest and Best Car Insurance in New Haven, CT








Cheapest Minimum Liability Car Insurance in New Haven
MoneyGeek's analysis of New Haven's cheapest minimum plans highlighted the following firms:
- GEICO: approximately $440 per year
- Amica Mutual: approximately $616 per year
Hanover is the least affordable, at $2,573 per year. GEICO is also the cheapest car insurance in Connecticut, at $338 per year, showing that price can vary by location.
According to Connecticut statute, minimum coverage insurance will only cover bodily injury, property damage and personal injury:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $10,000 property damage liability per accident
- $15,000 personal injury protection per person
- $30,000 personal injury protection per accident
For example, a policyholder has an auto insurance policy with a property damage liability limit of $10,000 per accident. If the policyholder causes an accident that results in $20,000 worth of property damage, the policyholder would only be covered up to $10,000. The remaining $10,000 will come from the policyholder’s pocket.
Cheapest Full Coverage Car Insurance in New Haven
The following insurance companies provide the most cost-effective policies for full coverage auto insurance in New Haven:
- GEICO: approximately $981 per year
- Amica Mutual: approximately $1,214 per year
Hanover sits on the other end, at around $5,168 annually. At around $730 a year, GEICO is also the cheapest car insurance across Connecticut. Keep in mind that location may cause premiums to rise or fall.
Typically, your policy isn’t considered "full coverage" unless it includes collision and comprehensive coverage.
- Collision Insurance: This pays for damage to your vehicle if it hits another car or object, such as a tree, building or fence.
- Comprehensive Insurance: This covers damage to your car caused by incidents other than a collision with another vehicle, such as theft and vandalism.
If you have an older car that may not be worth much, spending the extra money each year for full coverage might not be worthwhile.
Cheapest Car Insurance in New Haven After a Driving Offense
The cheapest car insurance companies after driving violations in New Haven are:
- Speeding ticket: GEICO (approximately $1,140 per year)
- At-fault accident: GEICO (approximately $1,416 per year)
- DUI: State Farm (approximately $1,451 per year)
Hanover is the most expensive car insurance company. On average, its rates are $6,566, $8,449 and $29,596 for speeding, at-fault accidents and DUI, respectively. There is a direct correlation between your driving record and your premiums. The cheapest company's rates for poor records are still higher compared to safe driving rates.
It’s important to note that rates may increase more depending on the severity of violations. For example, getting a speeding ticket in New Haven may raise your rates by around $368 annually, while DUI might increase your rates by approximately $4,132 per year. Make sure to research the cheapest car insurance for a poor driving record to save money.
Cheapest Car Insurance in New Haven for Teens and Their Families
In New Haven, the most affordable insurers for adding a teenage driver to a family policy include:
- GEICO: approximately $1,553 per year for female teens; $2,214 per year for male teens
- Kemper: approximately $2,288 per year for female teens; $2,394 per year for male teens
Progressive has the most expensive insurance for females at around $3,782 annually. State Farm offers the most expensive option for males at approximately $4,296 annually. There is a roughly $661 difference in the rate for male and female teens with GEICO. Rates for male teens tend to be higher because they are viewed as riskier drivers. This price difference drops as they reach early adulthood.
When a teen buys a car insurance policy themselves, the rate is much more expensive. A 16-year-old male teen who opts to purchase the cheapest car insurance for teens on his own would pay about $4,501 more than if he was included in his family’s plan.
Cheapest Car Insurance in New Haven for Military Drivers
The cheapest car insurance companies for active or veteran military families in New Haven are:
- USAA: approximately $887 per year
- GEICO: approximately $981 per year
In terms of minimum coverage car insurance policies, GEICO takes the top spot, offering a policy that costs around $440, while USAA takes the second spot with a cost of around $445. These are the same companies that offer cheap military car insurance for full coverage policies.
How to Compare Cheap New Haven Car Insurance Quotes Online
When inquiring about car insurance in New Haven, CT, it could take you 15 mins or even more to get a quote. This is because you must enter a lot of information. When you factor in comparing quotes, the process can become long and tedious.
MoneyGeek’s car insurance calculator can make your inquiry faster and give you a ballpark estimate based only on your age, vehicle type, coverage level and driving record.
Auto Insurance Calculator
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Average Annual Auto Insurance Rates
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Best Car Insurance in New Haven: Summary
The ideal vehicle insurance plan for you will depend on your individual preferences with regard to cost, quality of service and other factors. These are the best car insurance companies in New Haven:
- Best overall: Amica Mutual (MoneyGeek score 84 out of 100)
- Best for service: Amica Mutual (MoneyGeek score 71 out of 100)
- Best cheap: Amica Mutual (MoneyGeek score 84 out of 100)
Scores may change based on category weightings. Amica Mutual is the top auto insurer in Connecticut. Military personnel should consider USAA, which earned a MoneyGeek score of 85 out of 100.
Best Overall Car Insurance in New Haven
The best companies for car insurance in New Haven are:
- Amica Mutual: MoneyGeek score 84 out of 100 (approximately $1,214 per year)
- GEICO: MoneyGeek score 75 out of 100 (approximately $981 per year)
Amica Mutual scored highly in satisfaction and affordability. These high scores in both categories are important, showing that policyholders generally get good service at an affordable price.
USAA is also one of the best car insurance companies in New Haven, with a MoneyGeek score of 85 out of 100.
How was this MoneyGeek score calculated?

pros
High scores in affordability
Great score in satisfaction
Offers roadside assistance, accident forgiveness and gap insurance
cons
Doesn’t offer custom parts coverage or original equipment manufacturer coverage
Low claims score
COMPANY HIGHLIGHTS
Amica Mutual seems to strike a good balance between low prices and high-quality customer care. Costs you could incur due to a breakdown while driving are covered by its roadside assistance coverage. Towing, tire repair and petrol delivery costs are all included. It also gives you access to Amica Mutual's round-the-clock helpdesk.
Earning advantage points by renewing your insurance, recommending friends and family or going a year without an accident will qualify you for Amica Mutual's accident forgiveness program. In turn, you may utilize your accumulated Advantage points to avoid a premium increase after a claim and/or lower or eliminate your deductible.
Meanwhile, Amica Mutual’s gap insurance could be valuable to some policyholders. If your automobile is totaled, this will cover the difference between what you owe on your loan or lease and what the car is now worth. This must be added within 30 days of loan/lease purchase.
Best Car Insurance in New Haven for Customer Service
The New Haven companies with the best customer service, according to our evaluation criteria (excluding price), are:
- Amica Mutual: MoneyGeek score 71 out of 100 (approximately $1,214 per year)
- Hanover: MoneyGeek score 58 out of 100 (approximately $5,168 per year)
Coverage and customer satisfaction are among Amica Mutual’s strongest scoring categories, suggesting that policyholders’ requests and concerns generally do not fall on deaf ears. Amica Mutual’s premiums are also affordable, so customers may not be compromising too much when it comes to savings.
How was this MoneyGeek score calculated?

pros
High scores in service satisfaction
Great score in coverage options
Offers identity theft, full glass and rental car coverages
cons
Doesn’t offer mechanical breakdown insurance
Lower score in claims management
COMPANY HIGHLIGHTS
Amica Mutual may offer you a good combination of high customer satisfaction and affordable price. It can even ensure your financial stability by helping you get back on your feet after an unfortunate event. If your personal information is stolen and used fraudulently, for instance, you might get up to $15,000 to clean up the mess. Your windshield, windows and other car glass may also be fully covered in the event that it is damaged or broken, with no out-of-pocket expense required.
You might also find the option to get reimbursed for vehicle rentals from Amica Mutual to be quite useful. This is helpful if your automobile is broken down or in the shop. You may get up to $5,000 in protection from Amica Mutual.
Best Cheap Car Insurance in New Haven
Based on our research into premiums and quality of service, the following insurance providers in New Haven, Connecticut, have been deemed superior to the state's minimum requirements for coverage:
- Amica Mutual: MoneyGeek score 84 out of 100 (approximately $616 per year)
- GEICO: MoneyGeek score 78 out of 100 (approximately $440 per year)
You and your vehicle are minimally protected by New Haven's minimum coverage plans, which only provide the bare minimum in liability protection in the event of an accident.
How was this MoneyGeek score calculated?

pros
An affordable minimum coverage policy costs $616 per year
Has bundling, defensive driving, safe driving and driver’s education discounts
Near-perfect scores in customer satisfaction
cons
Does not offer affinity organization discounts
Lower score in claims management
COMPANY HIGHLIGHTS
Amica Mutual is the clear frontrunner in New Haven's minimal coverage market because they provide the best of both worlds, including excellent service at an affordable price. Amica Mutual's range of discounts may also be a major selling point for drivers who are looking to keep their costs as low as possible on their auto insurance. For example, insurance premiums may be reduced if you bundle your car coverage with your house, condo or life into one simple policy.
You may also save money on your Amica Mutual premiums just by being a responsible driver by completing a driver’s education program. If you’ve been claims-free for three years, you’ll also be entitled to a discount. Some of these are not frequently offered by other companies in New Haven.
Average Cost of Car Insurance in New Haven
According to our findings, a full coverage auto insurance policy in New Haven costs an average car insurance rate of $1,644 annually. This is $379 more than the national average and $203 more than the Connecticut state average. Location plays a role in premiums, but it's not the only one.
These costs are for a comprehensive policy that covers injuries of up to $100,000 per person, $300,000 per incident and $100,000 in property damage.
About Mark Fitzpatrick
