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

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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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

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New Haven, 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)
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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.

Driver's AgeAvg. Monthly Cost
teens$774
20s$401
30s$318
40s$265
50s$267
60s$271
70s$207
80s$171
Driving HistoryAvg. Monthly Cost
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.

Credit TieAvg. Monthly Cost
Excellent$222
Good$339
Average$354
Poor$389

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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how New Haven stacks up for the state of Connecticut:

honda
Honda Accord
Most Popular Car in
New Haven, CT
suspended licenses
#5
Cities with Most
Suspended Licenses Rank
Most Patriotic City

Most Patriotic City

New Haven

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.


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.