Table of contents
How much is car insurance in New Haven?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $16 a month more expensive to insure your vehicle in New Haven than it is in the rest of Connecticut.
Likewise, New Haven residents will likely pay higher rates to insure their vehicle than in the rest of the country. You can expect to pay about $50 more for your policy in New Haven.
While these numbers are the average rates for auto insurance in New Haven, that doesn't mean it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't worry, we've done the work for you and broken down the averages rate for New Haven to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay twice as much as drivers of retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement age, however, you may see your rates creep back up a bit in New Haven.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in New Haven is about $17 per month. Looking at the table above, you can see that female drivers pay around $121 on average, while male drivers typically pay $138 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records can expect to pay much less than those with infractions. In New Haven, a driving record with a single accident will usually get you a rate around $149 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $207.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$103|
|15 Years or Older||$132|
If you look at the first table above, the cheapest vehicles to insure in New Haven are usually SUVs, at $115 per month.
Car owners, on the other hand, by and large pay around $136 a month, while truck and van drivers can expect to pay about $120 per month for car insurance.
Your rates can also vary depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink 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
|Relationship||Average Monthly Premium|
|Single (never married)||$136|
Generally, those who have settled down into marriage will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The cost of auto insurance in New Haven reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $32 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$159|
One other element taken into consideration is your housing situation. In New Haven, homeowners can expect to pay around $26 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in New Haven, CT
Recent trends in car insurance for New Haven drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding before shopping for coverage.
In New Haven, car insurance rates decreased from 2016-2018, before steadying out in 2019. Car insurance rates fell again recently, hitting a low of $108 in 2021.
How does New Haven compare to neighboring areas?
Why are car insurance rates in New Haven different from other areas?
Car insurance companies take in a lot of factors when deciding how much individual insurance policies will cost. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:
- Availability of off-street parking
- Number of drivers
- Crime rates
- Community laws
- Rate of car accidents
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in New Haven?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com can handle all of this for you. Just type in your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies offering plans in New Haven.
New Haven Insurance FAQs
What factors affect car insurance quotes in New Haven?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in New Haven different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in New Haven?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to New Haven or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.