Cheapest and Best Car Insurance in New Haven, CT (July 2024)


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Updated: July 3, 2024

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In New Haven, the cheapest car insurance varies by coverage and driver profiles. For full coverage, GEICO offers the lowest rates, and it is the most affordable insurer for families with teens. For exceptional customer service, Amica Mutual stands out; it's also the top pick overall for balancing price and service quality, making it an optimal choice for value-minded consumers with specific preferences and coverage needs.

MoneyGeek Logo IconBest & CheapestCar InsuranceNew Haven
2024

Cheapest and Best Car Insurance in New Haven

Why Trust MoneyGeek? We analyzed 29,556 quotes in Connecticut, including the city of New Haven, from nine companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for New Haven insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in New Haven, CT, as of July 2024.

29,556Quotes Analyzed
 
9Companies Compared

Cheapest Minimum Liability Car Insurance in New Haven

MoneyGeek found that GEICO is the cheapest option in New Haven for minimum coverage car insurance. This underscores the importance of comparing rates to find the cheapest car insurance.

  • GEICO: $585 per year
  • Kemper: $809 per year

Hanover offers the most expensive minimum coverage policy in New Haven, with an annual premium of $3,352.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$585Monthly Premium$49
KemperAnnual Premium$809Monthly Premium$67
NationwideAnnual Premium$940Monthly Premium$78
ProgressiveAnnual Premium$977Monthly Premium$81
State FarmAnnual Premium$1,062Monthly Premium$89
Amica MutualAnnual Premium$1,132Monthly Premium$94
AllstateAnnual Premium$1,338Monthly Premium$112
HanoverAnnual Premium$3,352Monthly Premium$279

In Connecticut, including cities like New Haven, car insurance coverage minimums are set by state law. These are the baseline requirements you must meet:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage liability per accident
  • $25,000 uninsured motorist bodily injury per person
  • $50,000 uninsured motorist bodily injury per accident

For example, if you have the minimum coverage and are at fault in an accident that injures another person, your policy would cover up to $25,000 for that person. However, if their medical bills total $40,000, you'd be responsible for the remaining $15,000 out-of-pocket.

Cheapest Full Coverage Car Insurance in New Haven

MoneyGeek found that GEICO is the cheapest option in New Haven for drivers looking for the cheapest full coverage car insurance. Those shopping for the best rates should consider the following providers:

  • GEICO: $1,307 per year
  • Kemper: $1,523 per year

The most expensive full coverage policy in New Haven is offered by Hanover, with an annual premium of $6,572.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
GEICOAnnual Premium$1,307Monthly Premium$109
KemperAnnual Premium$1,523Monthly Premium$127
NationwideAnnual Premium$1,662Monthly Premium$138
ProgressiveAnnual Premium$1,831Monthly Premium$153
State FarmAnnual Premium$2,001Monthly Premium$167
Amica MutualAnnual Premium$2,299Monthly Premium$192
AllstateAnnual Premium$2,355Monthly Premium$196
HanoverAnnual Premium$6,572Monthly Premium$548

An exemplary New Haven full coverage policy offered by MoneyGeek steps up from basic coverage, presenting $100,000 worth of bodily injury protection per individual, $300,000 per accident and property damage liability of $100,000 for each incident. This upgraded protection plan is termed a 100/300/100 policy.

In addition to bolstered liability limits, such comprehensive coverage plans encompass both comprehensive and collision insurance.

  • Collision Insurance: This insurance is crucial as it provides coverage for your vehicle in the event of a collision, whether it be with another car or any object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: This aspect of your coverage takes care of damages to your vehicle stemming from non-collision incidents, including theft or natural events like storms and being struck by an animal like a deer.

Investing in full coverage insurance is a wise decision for new vehicle owners to protect their recent purchase. For those with older vehicles, this level of coverage might not be economical due to the substantial increase in the annual premium. You need to consider both the coverage and costs when determining your car insurance needs.

Cheapest Car Insurance in New Haven After a Driving Offense

MoneyGeek found that GEICO is the most affordable option in New Haven for drivers with a poor driving record seeking full coverage policy, regardless of whether they've received a speeding ticket, been at fault in an accident, or been convicted of a DUI.

  • Speeding Ticket: GEICO ($1,521 per year)
  • At-fault accident: GEICO ($1,898 per year)
  • DUI: Progressive ($2,110 per year)

There's a significant difference in the annual premiums between these incidents; the lowest premium after a speeding ticket with GEICO is $1,521, which escalates to $4,184 after a DUI, illustrating how the gravity of a driving offense can substantially impact car insurance costs.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
GEICOAnnual Premium$1,521Monthly Premium$127
NationwideAnnual Premium$1,596Monthly Premium$133
KemperAnnual Premium$2,137Monthly Premium$178
State FarmAnnual Premium$2,240Monthly Premium$187
ProgressiveAnnual Premium$2,294Monthly Premium$191
AllstateAnnual Premium$2,355Monthly Premium$196
Amica MutualAnnual Premium$2,783Monthly Premium$232
HanoverAnnual Premium$8,505Monthly Premium$709

Insurance premiums in New Haven and other cities escalate because insurers see past offenses as indicative of risky driving behavior, thereby raising costs to mitigate potential future claims.

Cheapest Car Insurance in New Haven for Teens and Their Families

MoneyGeek found that GEICO is the cheapest option in New Haven for full coverage car insurance for teens, both male and female. Here are the two most affordable providers in New Haven for teen car insurance:

  • GEICO: $1,553 per year for female teens and $2,214 per year for male teens
  • Kemper: $2,288 per year for female teens and $2,394 per year for male teens

These competitive rates represent the combined premium for a policy covering two parents and a teen driver.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
GEICOFamily Plan Annual Premium$1,553Individual Plan Monthly Premium$9,893
KemperFamily Plan Annual Premium$2,288Individual Plan Monthly Premium$4,563
NationwideFamily Plan Annual Premium$2,357Individual Plan Monthly Premium$6,092
State FarmFamily Plan Annual Premium$3,406Individual Plan Monthly Premium$4,233
AllstateFamily Plan Annual Premium$3,635Individual Plan Monthly Premium$11,001
ProgressiveFamily Plan Annual Premium$3,782Individual Plan Monthly Premium$11,802

For teens in New Haven, and similarly in other cities, obtaining car insurance independently can be financially challenging. On average, a teenager paying for a policy alone faces an annual premium of $8,912, contrasting sharply with the $3,232 average when included in a family plan. These inflated rates for individual teen policies reflect the heightened risk insurers associate with young drivers.

Cheapest Car Insurance in New Haven for Military Drivers

MoneyGeek found that USAA is the cheapest option in New Haven for full coverage car insurance tailored to individuals with a military background. For the most affordable rates, consider:

  • USAA: $1,254 per year
  • GEICO: $1,307 per year

USAA not only offers the least expensive annual premium at $1,254, but it also provides services that are specifically designed for the needs of active duty military members.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$1,254Monthly Premium$105
GEICOAnnual Premium$1,307Monthly Premium$109
KemperAnnual Premium$1,523Monthly Premium$127
NationwideAnnual Premium$1,662Monthly Premium$138
ProgressiveAnnual Premium$1,831Monthly Premium$153
State FarmAnnual Premium$2,001Monthly Premium$167
Amica MutualAnnual Premium$2,299Monthly Premium$192
AllstateAnnual Premium$2,355Monthly Premium$196

How to Compare Cheap New Haven Car Insurance Quotes Online

In New Haven, you can use MoneyGeek's car insurance calculator to look for rates. You need to enter parameters such as age, driving history, credit score and desired coverage level to get rate estimates.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jul 15, 2024

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Best Car Insurance in New Haven: Overview

Choosing the right auto insurance hinges on your priorities, whether it's exceptional service, low cost, comprehensive coverage or a balance of these factors. MoneyGeek's scoring system varies by category to evaluate New Haven's top insurers tailored to different needs:

  • Best overall: Amica Mutual (MoneyGeek score 95 out of 100)
  • Best for service: Amica Mutual (MoneyGeek score 99 out of 100)
  • Best cheap: Amica Mutual (MoneyGeek score 94 out of 100)

Amica Mutual emerges as New Haven's standout, excelling in overall value, top-tier service and affordability.

Overall Best Car Insurance in New Haven

MoneyGeek found that Amica Mutual best car insurance is the top pick in New Haven, offering superior services and customer satisfaction. Highlighted below are the two leading providers based on MoneyGeek's evaluation:

  • Amica Mutual: MoneyGeek score of 95 out of 100 ($2,299 per year)
  • State Farm: MoneyGeek score of 73 out of 100 ($2,001 per year)

Amica Mutual has high claims and satisfaction scores, emphasizing its commitment to customer service and efficient claims processing.

Company logo for Amica Mutual
Best OverallAmica Mutual
MoneyGeek Score:
95/ of 100

Overview

Driving with Amica Mutual means enjoying a broad range of valuable coverages. Its high MoneyGeek score is largely due to its coverage and claims handling scores. Amica provides reasonably common coverages like accident forgiveness and gap insurance, roadside assistance and rental car and/or travel reimbursement.

Best Car Insurance in New Haven for Customer Service

MoneyGeek found that Amica Mutual is the best option in New Haven for customer service in car insurance. This is based on general satisfaction, claims handling and coverages, without the influence of rates.

  • Amica Mutual: MoneyGeek score of 99 out of 100 ($2,299 per year)
  • Hanover: MoneyGeek score of 72 out of 100 ($6,572 per year)

Amica Mutual is at the forefront of car insurance providers in New Haven, commanding the highest MoneyGeek score for overall excellence.

Company logo for Amica Mutual
Best for Customer ServiceAmica Mutual
MoneyGeek Score:
99/ of 100

Overview

Amica Mutual has a near-perfect MoneyGeek score and ranks high for customer satisfaction. It offers coverages like glass deductible modification, which allows for a lower deductible on glass repairs. Amica Mutual also offers new car replacement, accident forgiveness, roadside assistance and rental car and/or travel reimbursement.

Best Cheap Car Insurance Companies in New Haven

MoneyGeek found that Amica Mutual offers the best cheap car insurance in New Haven. Their balance of affordability, claims handling and customer satisfaction.

  • Amica Mutual: MoneyGeek score of 94 out of 100 ($1,132 per year)
  • State Farm: MoneyGeek score of 75 out of 100 ($1,062 per year)

Amica Mutual distinguishes itself with the highest MoneyGeek score for a minimum coverage policy.

Company logo for Amica Mutual
Best Cheap CompanyAmica Mutual
MoneyGeek Score:
94/ of 100

Overview

Amica Mutual leads with a combination of claims handling and non-claims customer satisfaction, propelling it to the top with a MoneyGeek score of 94 (out of 100). The average driver enjoys Amica Mutual's affordability, paying an average annual premium of just $1,132 for minimum coverage. Amica Mutual leads with a MoneyGeek score. Amica Mutual offers an expansive array of discounts.

Average Cost of Car Insurance in New Haven

In the coastal city of New Haven, the average car insurance cost is $2,165. When compared to the Connecticut average, New Haven's rates are notably higher, with car insurance in the state averaging $1,914. The average cost of car insurance in Connecticut also exceeds the national average, representing a $133 hike when compared to the average national car insurance premium of $1,781.

BridgeportAnnual Premium$2,144
HartfordAnnual Premium$2,094
New HavenAnnual Premium$2,165
StamfordAnnual Premium$1,704
WaterburyAnnual Premium$1,975

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.