Home to the famous Yale University, New Haven is a bustling hub of activity. Its dense population makes driving difficult, as many drivers claim that old New England streets weren’t well designed for cars. Parking in the downtown area can be very difficult to find and quite expensive, leaving most residents opting to forgo owning a vehicle. If you do decide to drive in New Haven, it’s advised that you compare quotes before enrolling in a policy, as prices can vary dramatically.
See More: Cheap Car Insurance Connecticut
See More: Compare Car Insurance
See More: Best Car Insurance Companies
Buying car insurance as a teen in New Haven can be expensive, as those under the age of 20 are charged quite a bit for coverage, often up to $773. Rates drop to $400 for drivers in their 20s and continue to steadily decline as decades go by. Although there aren’t many senior drivers on the road in New Haven, they enjoy the lowest rates, paying $206 in their 70s and a mere $171 in their 80s.
|Failure to Stop for Red Light / Stop Sign||$350|
Drivers often worry that a blemish on their record will cause their car insurance premiums to soar, but that isn’t the case in New Haven. If you have a clean driving history, you’ll likely pay $326 and find that an at-fault accident adds only $22 to your premium. A failure-to-stop violation often increases rates to around $350, and a speeding ticket proves to be the most impactful of all, with average prices increasing to $374.
Paying attention to your credit score can save you money on your car insurance in New Haven. Individuals with excellent credit enjoy the cheapest rates of $221 compared to those with good credit, who often pay $117 more. If you have average or poor credit, you can expect to pay $353 or $388 for insurance, respectively. While other factors do contribute to your premiums, it’s important to pay attention to your credit if you live in New Haven.
See More: Bad Credit Car Insurance Connecticut
There are a handful of DMV offices within New Haven County but none within the city itself. Drivers will have to venture outside of city limits to nearby Hamden, West Haven, or North Haven to visit a DMV location. It’s important to check the hours of your preferred location before you plan your trip, as some offices have very sporadic open and closing times.
Though it can be frustrating to drive in New Haven, taking alternate transit options is far easier. Getting around downtown can be achieved by utilizing the public bus system or the Yale shuttle. Much of New Haven is walkable and bikeable, making sidewalks fairly busy during nicer weather. Lyft and Uber are options in New Haven as well, and if you do want to drive but don’t own a vehicle, ZipCar offers special rates for Yale students.
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 New Haven 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.
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. New Haven drivers rank 21 in the number of car accidents per driver across all cities in Connecticut.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Connecticut, New Haven drivers rank 10 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. New Haven drivers rank 16 in the number of DUI’s per driver across all cities in Connecticut.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in New Haven is the Honda Accord.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Connecticut, New Haven drivers rank 9 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; New Haven drivers rank 5 in clean driving records across all cities in Connecticut.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. New Haven drivers rank 8 in failure to yield violations per driver across all cities in Connecticut.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Connecticut, New Haven drivers rank 3 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. New Haven drivers rank 9 in hybrid and electric vehicle ownership across all cities in Connecticut.
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
Stamford won Insurify's Most Patriotic Cities Award for the state of Connecticut.
Unless you commute outside of the city, owning a car isn’t really necessary in New Haven. Should you decide that you just can’t part with your vehicle, make sure to research auto coverage options before you hit the road. Consider opting for a full coverage policy that includes glass repair and provides low deductibles, as Connecticut is an at-fault state when it comes to accidents.
Whether you’re a busy Yale student or a working professional, you don’t have time to waste comparing countless auto insurance quotes to find the best price. Instead, visit Insurify and take the guesswork out of auto coverage. You’ll save time and money and will find the best policy for your needs.
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.