New Haven, CT Car Insurance

Compared to their surrounding area, how do rates in New Haven stack up? What about against the rest of Connecticut? What rates can residents of New Haven expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:

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How much is car insurance in New Haven?

You can see in the chart above that it's around $19 a month more expensive to insure your vehicle in New Haven than it is in the rest of Connecticut.

Similarly, residents of New Haven might expect to pay higher rates for coverage than the rest of the country. You can expect to pay about $52 more for your policy in New Haven.

These may be the average auto insurance rates for New Haven, but that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But don't worry, we've broken down the average rate for New Haven residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

The longer you've been behind the wheel, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance rates. In this case, 18-24-year-olds pay twice as much as someone who is at retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in New Haven may see their rates climb back up once they hit retirement.

Average Car Insurance Rates by Gender

In general, women pay slightly less for car insurance than men. In New Haven, male drivers pay about $13 more a month. As you can see in the table above, male drivers in the area typically pay $140 on average, while female drivers typically pay $127 each month.

Average Auto Insurance Rates by Driving Record

One of the biggest factors in determining your car insurance rates is your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In New Haven, having a single accident on your record will usually get you rates around $151 a month. In addition, drivers with a single ticket on their record can expect to pay around $176 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

According to the first table above, SUVs are by and large the cheapest vehicles to insure in New Haven, with drivers paying around $118 per month for insurance coverage.

Truck and van drivers will see rates of about $122 for auto insurance, while car owners usually pay around $140 per month.

In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old you may start to see your rates drop back down a bit. In New Haven, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

More often than not, married policyholders will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

In New Haven, the difference in rates based on relationship status can be as much as $30 a month.

Average Car Insurance Rates by Housing Situation

Another factor that comes into play is your living situation. Renters can expect to pay around $32 a month more than homeowners in New Haven. But those who live at home with their parents can expect to pay significantly more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in New Haven, CT

Recent trends in car insurance for New Haven drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.

Car insurance rates in New Haven declined from 2017-2018, when they reached a low of $118. This trend leveled out in 2021, when they began to increase, and have continued to do so through the present, where rates finished at $151 a month.

How does New Haven compare to neighboring areas?

Why are car insurance rates in New Haven different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:

• Number of car accidents
• Area laws
• Total number of drivers
• Crime
• Off-street parking availability

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in New Haven?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

But hold on! Compare.com has you covered. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies providing coverage in New Haven in no time.

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New Haven Insurance FAQs

What factors affect car insurance quotes in New Haven?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, marital status, and address.

Why is the cost of car insurance in New Haven different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in New Haven?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to New Haven?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to New Haven or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?