Cheapest and Best Car Insurance Companies in New Haven, CT

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.