Cheap Auto Insurance Quotes in Hamden, CT (January 2022)

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Last Updated: January 2022

Car Insurance in Hamden, CT

The average cost of Connecticut car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Hamden, CT to find you the cheapest quotes in the area.
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Cheapest Car Insurance in Hamden, CT

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

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Hamden, CT Driving Facts


Minimum Car Insurance Requirements in CT

All motor vehicles operated or parked on Connecticut roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

Connecticut auto insurance requirements are among the most comprehensive in the country. Coverage requirements mandated by Connecticut law are a bit more comprehensive than the average state. The minimum liability car insurance requirements for private passenger vehicles in Connecticut are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)
  • $25,000/accident for Property Damage (PD)
  • $25,000 per person/$50,000 per accident Uninsured Motorist Bodily Injury (UMBI)

Find local Hamden agents

Continental Agcy of Connecticut Inc
105 Sanford St Ste 6, Hamden, CT 06514-1798
Allstar Insurance Agency, LLC
1818 Dixwell Ave., Hamden, CT 06514
The SIG Insurance Agencies
1384 Dixwell Ave, Hamden, CT 06514
Raccio Insurance Agency
1960 Whitney Ave, Hamden, CT 06517-1200
AutoMobile Insurance Group LLC
1336 Dixwell Ave, Hamden, CT 06514
Ciardiello Insurance
2725 Whitney Ave, Hamden, CT 06518
JVR Insurance Agency
1905 State St, Hamden, CT 06517
Underwriters Insurance Inc
60 Washington Ave STE 101, Hamden, CT 06518
CT Insurance Store
4133 Whitney Ave #2A, Hamden, CT 06518
Abbatello Insurance Agency LLC
1 Evergreen Ave, Hamden, CT 06518

Insurify Insights: How Hamden Drivers Measure Up

Nissan Altima
Most Popular Car in
Hamden, CT
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Hamden drivers measure up to their fellow Connecticut motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Hamden

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Hamden drivers rank 17 in the number of car accidents per driver across all cities in Connecticut.

  • Rank within state: #17
  • Percent of drivers in Hamden with an accident: 9.46%
  • Drivers in Hamden, CT with an accident in their driving history paid on average 24.73% more than drivers with a clean record

Speeding in Hamden

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Connecticut, Hamden drivers rank 13 in the number of speeding infractions per driver.

  • Rank within state: #13
  • Percent of drivers in Hamden with a speeding ticket: 5.43%
  • Drivers in Hamden, CT with a speeding ticket in their driving history paid on average 25.44% more than drivers with a clean record

DUI/DWIs in Hamden

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Hamden drivers rank 17 in the number of DUI’s per driver across all cities in Connecticut.

  • Rank within state: #17
  • Percent of drivers in Hamden with a DUI: 1.01%
  • Drivers in Hamden, CT with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Hamden

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Hamden is the Nissan Altima.

Hybrid/Electric Vehicle Ownership in Hamden

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Hamden drivers rank 4 in hybrid and electric vehicle ownership across all cities in Connecticut.

  • Rank within state: #4
  • Percent of drivers in Hamden with a hybrid/electric vehicle: 1.62%


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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