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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
New Haven drivers pay an average of $305 per month for car insurance, according to Compare.com data. Car insurance in New Haven is typically more expensive than the national average of $143 per month.
The Elm City is one of the most populated cities in Connecticut, which means more cars on the road. Connecticut also has a large population of teenagers and young adults.[1] Teens and young drivers typically pay some of the highest insurance rates of any age group.
But several New Haven auto insurance companies offer coverage below the citywide average, including State Farm, CSAA, and Foremost. Liability rates start as low as $126 per month.
Keep reading to learn how to find the cheapest car insurance in New Haven and get tips for saving on your car insurance.
State Farm offers the cheapest car insurance in New Haven, at $126 per month.
New Haven drivers pay an average of $255 per month for liability coverage and $355 per month for full coverage.
Minimum coverage in Connecticut requires drivers to have 25/50/25 liability coverage and 25/50 uninsured/underinsured motorist (UM/UIM) coverage.
While the average cost of car insurance in New Haven is $305 per month, you can still find ways to save on your monthly premiums. The table below highlights the cheapest car insurers in New Haven, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $126 |
| CSAA | $128 |
| Foremost | $141 |
| Progressive | $144 |
| Safeco | $156 |
| USAA | $174 |
| GEICO | $179 |
| Root | $207 |
| Direct Auto | $253 |
| Travelers | $253 |
| Nationwide | $280 |
| Allstate | $296 |
| National General | $306 |
State Farm offers the cheapest car insurance rates in New Haven, at $126 per month.
Next, we outline the best insurance companies for different types of drivers in New Haven.
Find coverage in New Haven for as low as $126 per month.
While the insurance companies listede above are a good starting point, your personal rates can vary based on factors like your age, gender, address, and driving record.
In the table below, we detail the cheapest insurers for a variety of driver backgrounds and coverages in New Haven, based on Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $126 |
| Full coverage | State Farm | $170 |
| Teens | CSAA | $207 |
| Seniors | CSAA | $99 |
| Drivers with a speeding ticket | State Farm | $151 |
| Drivers with an at-fault accident | State Farm | $158 |
| Drivers with a DUI | State Farm | $194 |
| Drivers with excellent credit | CSAA | $107 |
| Drivers with poor credit | CSAA | $151 |
Let’s take a closer look at each driver and coverage type.
Connecticut requires all drivers to purchase minimum liability coverage, including bodily injury and property damage coverage. The average rate for minimum coverage in New Haven is $255 per month, according to Compare.com data.
But, most experts recommend purchasing more than state-minimum coverage so you have enough insurance to cover a major accident.[2] Without adequate insurance, you could end up paying several thousand dollars out of pocket to cover injuries or damages.
Here are the five cheapest insurance companies for state-minimum coverage in New Haven, according to our research.
Most drivers should consider a full-coverage policy for more financial protection in an accident. Full coverage typically includes liability, collision, and comprehensive coverage. If you lease or finance a vehicle, your lender usually requires you to purchase a full-coverage policy.
Drivers in New Haven pay an average of $355 per month for full-coverage car insurance. But while this coverage typically costs more than liability-only insurance, several insurers offer it for close to the average liability price.
The chart below shows the five cheapest insurers in New Haven for full-coverage car insurance, according to Compare.com data.
Teen drivers pay some of the highest insurance rates of any age group. Teens have less experience and riskier driving habits, like not wearing seat belts and late-night driving. Likewise, drivers aged 16 to 19 have the highest crash rates of any age group, according to the Centers for Disease Control and Prevention.[3]
The average car insurance rate for teens in New Haven is $513 per month. But you can still find a good deal if you’re a teen driver or have one on your policy.
Here are the five cheapest car insurers in New Haven for teens, according to Compare.com data.
Seniors pay some of the cheapest car insurance premiums of any age group. Senior drivers are typically more cautious, are more likely to follow the rules of the road, and tend to drive less — all of which contribute to lower rates.[4]
The average rate for senior drivers in New Haven is $263 per month, according to Compare.com data. But even with these low average rates, you can still find a better deal from several New Haven insurance companies.
Below are the five cheapest insurers in New Haven for senior drivers, according to our data.
Your driving record is one of the most important factors that insurers look at when calculating your premiums. A clean driving record typically results in lower rates. But a ticket can cause your premiums to go up when you renew your policy.
While a ticket might not seem like a big deal, our research shows that a single ticket causes average rates to increase by 37% nationwide.
The average rate for drivers with a recent ticket in New Haven is $358 per month. Luckily, you can find several insurers that offer lower rates.
Check out the following chart for the five cheapest insurers in New Haven for drivers with a recent ticket, according to Compare.com data.
Causing an accident can substantially increase your insurance premiums. Our data shows that a single at-fault accident causes average rates to increase by 41% nationwide.
The average rate for drivers with a recent accident in New Haven is $380 per month, according to Compare.com data. But you might find a better deal with one of the five insurers highlighted in the chart below.
A driving under the influence (DUI) conviction causes the largest increase in car insurance rates of any incident. Our research shows that average rates increase by a staggering 61% nationwide after a DUI conviction.
The average rate for New Haven drivers with a DUI is $491 per month. But if you have a recent DUI, know that you can still find more affordable rates.
Here are the five cheapest insurers in New Haven for drivers with a DUI, according to Compare.com data.
Some insurance companies in New Haven review your credit history when calculating your premiums. Studies show that drivers with poor credit history are more likely to file insurance claims, so they usually pay more for insurance.[5] Drivers with excellent credit likely pay lower rates.
Our research shows that New Haven drivers with poor credit pay 20% more than drivers with excellent credit. On average, New Haven drivers with poor credit pay $366 per month. But some companies don’t consider your credit history, and others offer cheap rates regardless of your credit.
The chart below shows the five cheapest insurers in New Haven for drivers with poor credit, according to Compare.com data.
Compare quotes from New Haven’s top insurers and save money today.
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Connecticut, like nearly every state, requires drivers to have car insurance. The Constitution State’s minimum insurance requirements include:[6]
$25,000 per person of bodily injury liability coverage
$50,000 per accident of bodily injury liability coverage
$25,000 per accident of property damage liability coverage
You’ll also need uninsured/underinsured motorist (UM/UIM) coverage. UM/UIM covers you and your passengers if a driver without enough coverage hits you. It also covers you if you’re the victim of a hit-and-run.
Connecticut’s minimum UM/UIM coverage limits are:
$25,000 per person of uninsured/underinsured motorist coverage
$50,000 per accident of uninsured/underinsured motorist coverage
Many experts recommend buying coverage beyond the state’s minimum limits. If you cause an accident and don’t have enough liability coverage, you ’ll have to pay out of pocket for anything your insurance doesn’t cover. To protect your financial security, consider purchasing additional coverage.[7]
If you still have questions about car insurance in New Haven, check out these answers to some common questions.
New Haven drivers pay an average of $305 per month for car insurance, according to Compare.com data. The average cost of liability coverage is $255 per month, and full coverage costs an average of $355 per month.
The cheapest car insurance company in New Haven is State Farm, with rates starting at $126 per month, according to Compare.com data. But your rates can vary depending on things like your age, location, and driving record.
It depends. The average rate of car insurance in New Haven is $305 per month, while the national average is $143 per month. How much you pay for car insurance can vary based on factors like your address, driving history, age, and the insurance you choose.
The cheapest car insurance company in Connecticut is State Farm, with average rates starting at $104 per month. But your car insurance rates depend on various factors, like your ZIP code and age.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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