Cheap Auto Insurance Quotes in New Haven, CT (2023)

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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• Cheap Car Insurance Connecticut

• Compare Car Insurance

Cheapest Car Insurance in New Haven, CT

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

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 company reviews. The following are the top rated companies that offer car insurance in New Haven. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in Connecticut

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 be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Connecticut^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Connecticut is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it ’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $25,000 per person for uninsured/underinsured motorist bodily injury

• $50,000 per accident for uninsured/underinsured motorist bodily injury

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Connecticut, you’re required to purchase insurance that covers bodily injuries under these circumstances.

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.

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.

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• High-risk Car Insurance Connecticut

• DUI Car Insurance Connecticut

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.

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Find local New Haven agents

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.

For more detailed Connecticut city level guides, check out these below.

• Average Cost of Car Insurance Rates in Connecticut

• DUI Car Insurance Rates in Connecticut

• High-Risk Driver Car Insurance Rates in Connecticut

• Connecticut Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Connecticut

• SR-22 Insurance in Connecticut

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.

FAQs - New Haven, CT Car Insurance