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Based on an analysis by Insure.com, the typical car insurance expense in New Haven, Connecticut is $2,275 annually. Furthermore, car insurance premiums in New Haven are $550 more than compared to the state average in Connecticut and $380 more than the national average.

Graph
Table
City average ratesState average ratesNational average cost
$2,275$1,725$1,895

Car insurance premiums differ widely depending on the location, city demographics, population density, average resident age, accident rates, and theft and vandalism.

This article looks at the most affordable car insurance companies in New Haven, the average car insurance rates by age and gender, and the costs in New Haven based on coverage limits.

Whether you’re a new or experienced driver, this article will guide you in finding the most affordable car insurance in New Haven. Keep reading to learn more.

Key Takeaways

  • The annual cost of car insurance in New Haven, Connecticut is $2,275.
  • Geico provides the most affordable car insurance in New Haven at $1,653 annually.
  • Young adults in New Haven can expect to pay approximately $3,781 annually for car insurance.

Cheap car insurance companies in New Haven

Geico offers the most affordable car insurance in New Haven for coverage limits of 100/300/100 at $1,653 per year.

The Progressive comes close second offering car insurance at $1,996 per year.

As mentioned previously, car insurance quotes differ amongst companies due to the factors they consider when determining rates. Hence, it’s advisable to obtain quotes from multiple insurers to find affordable car insurance rates in New Haven that align with your needs before finalizing your insurance carrier.

Here are the average annual and monthly costs for the various car insurance companies providing coverage in New Haven, Connecticut:

Affordable car insurance providers in New Haven

Graph
Table
Company NameAverage annual costAverage monthly cost
Geico$1,653$138
Progressive$1,996$166
Kemper$2,129$177
Nationwide$2,262$189
State Farm$2,334$195
Allstate$2,675$223
Farmers$3,060$255
Amica$3,520$293
USAA$847$71

Read about the best car insurance companies.

Average car insurance cost in New Haven by coverage limits

In New Haven, the average car insurance rates the coverage levels are as follows:

  • State minimum coverage: $981 per year (limits are 25/50/25)
  • Liability only coverage: $1,122 per year (limits are 50/100/50)
  • Full coverage: $2,275 per year (limits are 100/300/100)
  • Non-owners coverage: $508 per year

In most states, drivers are required to have state minimum coverage to drive legally, although these requirements vary by state. However, it’s important to note that state minimum coverage does not provide coverage for any vehicles listed on your policy in the event of an at-fault accident.

To prevent compromising on coverage and out-of-pocket expenses, it’s advisable to opt for full coverage or non-owner coverage if you frequently borrow or rent a car but do not own one.

Average car insurance rates by gender in New Haven

In New Haven, Connecticut, the average annual car insurance premium for female drivers is $2,268 per year.

While the average annual cost for male drivers is $2,282 per year, which is $14 more than what female drivers pay, according to a rate analysis by Insure.com.

According to the Insurance Information Institute, statistics demonstrate that women are generally regarded as safer drivers than men. They often pay less for auto insurance because of their lower rate of severe accidents than men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in New Haven

In New Haven, car insurance rates are highest for teens, averaging $8,281 per year or $690 per month. According to the Insurance Information Institute, these higher rates for 16- to 19-year-olds are due to their increased likelihood of road accidents due to their lack of driving experience.

Specific teen driving laws have been implemented to help them become better drivers. Additionally, parents can lower teen insurance rates by adding them to their existing auto insurance policy.

As teens grow older and build a positive driving history, their car insurance rates decrease. Young adults usually pay $3,781 annually for their car insurance, which is $4,500 less than what teens pay for their coverage.

In New Haven, adult drivers pay an average of $2,284 per year for car insurance, while senior drivers pay $2,383 annually.

According to the Insurance Information Institute, rates for adults and seniors are significantly lower than for teens and young adults, as they are more likely to obey speed limits and follow road rules.

Read more on auto insurance for seniors.

The table below lists the average annual rates for drivers of different age groups:

Car insurance rates by age groups in New Haven

Graph
Table
Teens (16- to 19-year-olds)Young adults (20- to 24-year-olds)Adults (25- to 55-year-olds)Seniors (60- to 75-year-olds)
$8,281$3,781$2,284$2,383

Examining car insurance rate trends in New Haven, Connecticut, we observe a downward trend from 2022 to 2023. Subsequently, from 2022 to 2023, the rates experienced decrease overall, with an increase of 7% or $164.

The table below shows the trend for last four years:

How car insurance rates are changing in New Haven

Graph
Table
2016 rates2019 rates2022 rates2023 rates
$2,251$2,463$2,439$2,275

Conclusion

In conclusion, New Haven’s car insurance rates are higher than the average insurance rates in Connecticut. Drivers in New Haven can find affordable car insurance options by shopping around and taking advantage of available discounts. Moreover, many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Sources

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

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Prachi Singh
Contributing Researcher

 
  

Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.

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