Cheap Auto Insurance Quotes in New Haven, CT (2021)

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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.

Car Insurance in New Haven, 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 New Haven, CT to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$123
$139
$217
$251
$365
GEICOAllstateTravelersNationwideThe General
Monthly $

Cheapest Car Insurance in New Haven, CT

Here are the cheapest carriers in New Haven for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in New Haven, CT

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in New Haven. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$244
$285
$202
$289
$224
$219
ConnecticutBridgeportStamfordHartfordWaterburyNew Haven
Monthly $

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New Haven, CT Driving Facts

connecticut

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)

New Haven Car Insurance Rates by Driver Age

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.

Driving History
No Violation$327
Speeding Ticket$375
At-Fault Accident$349
Failure to Stop for Red Light / Stop Sign$350

New Haven Car Insurance Rates by Driving and Accident History

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.

New Haven Car Insurance Rates by Credit Tier

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.

New Haven, CT DMV Information

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.

Public Transportation in New Haven, CT

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.

Conclusion: How to get the best and cheapest car insurance in New Haven, CT

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.

Find local New Haven agents

Abbate Insurance Associates, Inc.
671 State Street, New Haven, CT 06511
'Duble & O''Hearn'
54 Trumbull Street, New Haven, CT 06510-1002
Auto-Cycle Insurance Inc
166 Amity Rd, New Haven, CT 06515
M H Chodos Insurance
38 Trumbull St, New Haven, CT 06510
A & S Insurance L.L.C.
511 Orange St, New Haven, CT 06511
Durango Insurance Agency New Haven CT
266 Grand Ave, New Haven, CT 06513
L. H. Brenner Insurance
1412 Whalley Ave, New Haven, CT 06515
Edmonde Bernier Jr.: Allstate Insurance
977 State St Apt 1r, New Haven, CT 06511
Nationwide Insurance: Andrew David Stephens
934 State St, New Haven, CT 06511
Agency One Group
1015 State St, New Haven, CT 06511

Insurify Insights: How New Haven Drivers Measure Up

honda
Honda Accord
Most Popular Car in
New Haven, CT
suspended licenses
#9
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 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.

Accidents New Haven

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.

  • Rank within state: #21
  • Percent of drivers in New Haven with an accident: 8.79%
  • Drivers in New Haven, CT with an accident in their driving history paid on average 7.19% more than drivers with a clean record

Speeding New Haven

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.

  • Rank within state: #10
  • Percent of drivers in New Haven with a speeding ticket: 5.61%
  • Drivers in New Haven, CT with a speeding ticket in their driving history paid on average 21.25% more than drivers with a clean record

DUI/DWIs New Haven

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.

  • Rank within state: #16
  • Percent of drivers in New Haven with a DUI: 1.04%
  • Drivers in New Haven, CT with a DUI in their driving history paid on average -96.88% more than drivers with a clean record

Most Popular Vehicle New Haven

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.

Rude New Haven

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.

  • Rank within state: #9
  • Percent of drivers in New Haven with a reckless driving violation: 1.16%
  • Drivers in New Haven, CT with a reckless driving violation in their driving history paid on average 27.5% more than drivers with a clean record.

Safest Drivers New Haven

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.

  • Rank within state: #5
  • Percent of drivers in New Haven with clean record: 85.72%

Failure to Yield the Right of Way New Haven

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.

  • Rank within state: #8
  • Percent of drivers in New Haven with a failure to yield violation: 0.17%
  • Drivers in New Haven, CT with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers New Haven

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.

  • Rank within state: #3
  • Percent of drivers in New Haven with a reckless driving offense: 0.06%

Hybrid/Electric Vehicle Ownership New Haven

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.

  • Rank within state: #9
  • Percent of drivers in New Haven with a hybrid/electric vehicle: 0.67%

FAQs - New Haven, CT Car Insurance

What kind of auto insurance do I need in New Haven?

The state of Connecticut requires that drivers carry liability coverage as well as uninsured and underinsured protection. You can also add on additional types of protection as you see fit.

Should I purchase glass coverage in New Haven?

Connecticut is one of several states where it’s illegal to drive with a cracked windshield. When you enroll in auto insurance, you’ll likely have the option to purchase additional glass coverage that often features no deductible.

Where can I get cheap Connecticut car insurance?

Auto coverage rates will vary based on your driving history and the type of coverage you’re interested in. Most New Haven residents compare prices before enrolling in a policy, as they’re often looking for the least expensive option.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.