bestauto insuranceNew HavenCompare 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.
REVIEW AUTO INSURANCE RATES
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 1/6/2023
Edited By |
Stephanie Olsen
Written By |
Mark Fitzpatrick
GEICO is the cheapest car insurer in New Haven, with an annual premium of $879 and a state minimum coverage cost of $440. State Farm is the cheapest option for drivers with tickets. Note that the rate may still change depending on your desired coverage and driver profile.
bestauto insuranceNew HavenThe Cheapest and Best Car Insurance in New Haven
Cheapest Overall - GEICO
Cheapest State Minimum - GEICO
Cheapest With a Driving Violation - State Farm
Best Overall - GEICO
Methodology
MoneyGeek determined the best car insurance companies in New Haven applying data from J.D. Power, NAIC and AM Best.
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 $1,381 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
- Company100/300/100per year
- 1.$879
- 2.$885
- 3.$1,290
- 4.$1,313
- 5.$1,361
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: covers damages to your vehicle that are not caused by a collision
- Collision insurance: 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.
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.
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 with 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
- CompanyState Minimumper year
- 1.$440
- 2.$462
- 3.$689
- 4.$739
- 5.$883
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
- ItemDescription
- 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
- CompanySpeeding Ticketper year
- 1.$1,012
- 2.$1,404
- 3.$1,464
- 4.$1,649
- 5.$1,690
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.
The Best Car Insurance Companies in New Haven
MoneyGeek used average rates, claims ratings and customer satisfaction scores to ascertain the top car insurance companies in New Haven. The two best insurers in the city per our analysis are:
- GEICO: MoneyGeek score of 97 out of 100
- State Farm: MoneyGeek score of 88 out of 100
Despite having a perfect overall MoneyGeek score of 100, we excluded USAA from our rankings since its policies are only available to those with a military background. However, if you qualify, USAA is the best car insurance company in Connecticut.
1
GEICO
Score:97
With a full coverage policy in New Haven costing an average of $879 annually, GEICO ranks first in affordability. It also scores well in claims experience and customer satisfaction. GEICO offers a unique add-on coverage, too, called mechanical breakdown insurance.
More About GEICO
Although it doesn’t have the lengthiest list of add-on coverages, GEICO offers more than enough if you want to personalize your car insurance policy in New Haven.
For example, you can purchase its mechanical breakdown insurance to get better coverage at a more affordable rate than the standard extended warranty most dealers offer. However, this is only available if your car is less than 15 months old or has less than 15,000 miles.
More commonly offered add-on coverages are also available through GEICO. One is roadside assistance, which helps pay for costs if you need to replace flat tires, have your car towed or open your vehicle after locking yourself out.
Read MoneyGeek's GEICO auto Insurance Review2
State Farm
Score:88
State Farm ties with GEICO for customer service, ranking well in terms of claims and affordability. You can purchase a full coverage policy for an average annual premium of $1,290. State Farm offers rideshare insurance as add-on coverage, which is not always available at other insurers.
More About State Farm
Rideshare drivers can take advantage of rideshare insurance, which ensures you remain covered while working. Once you’ve matched with a passenger or are actively transporting one, all coverages in your personal auto policy remain in effect, except liability insurance.
State Farm also offers roadside assistance to New Haven drivers. It may be a commonly-offered add-on coverage, but it comes in handy. It covers towing and other emergency services you may need for your disabled vehicle.
Read MoneyGeek's State Farm auto Insurance Review3
Travelers
Score:80
4
Nationwide
Score:71
5
Allstate
Score:68
6
Progressive
Score:68
7
Amica Mutual
Score:56
8
MetLife
Score:24
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 CodeState 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.
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