What's the average car insurance rate in New Haven?
The average car insurance rate in New Haven, Connecticut, is $2,250 per year. That's more than the average in Connecticut ($1,696) and pricier than the national average of $1,548. Our guide to New Haven auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!
AUTO INSURANCE COSTS: NEW HAVEN VS. STATE AND US AVERAGES
|New Haven Average (annual)||Connecticut Average||National Average|
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New Haven auto insurance rates by provider
The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. In New Haven, GEICO provides the most affordable rates for the typical insurance customer. We've listed the best cheap car insurance companies in New Haven below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
NEW HAVEN AUTO INSURANCE PREMIUMS BY COMPANY
|Company||Average Rate (annual)|
Car insurance rates by age bracket in New Haven
The age group that enjoys the lowest auto insurance rates in New Haven are drivers in their age_50s, who pay an average of $2,032per year. Those in their age_40s don't pay much more ($2,106).
Teenage drivers pay New Haven's most expensive car insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in New Haven is to celebrate your 20th birthday. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in New Haven is $7,101, the largest such difference between any two age groups.
NEW HAVEN AUTO INSURANCE COSTS BY AGE
|Age bracket||Average Yearly Rate|
New Haven car insurance premiums by gender and marital status
Marital status and gender can be contributors to car insurance rates, in some cases. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in New Haven pay $97 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single.
Gender is another factor that can affect car insurance rates. In New Haven, the gap in car insurance costs between genders is $38 per year, with male drivers paying more than female drivers.
NEW HAVEN AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Gender/Marital Status||Average Annual Rate|
New Haven car insurance premiums by incident history
Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In New Haven, a reckless driving citation results in an average insurance rate increase of $1,624 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $1,620 increase and a speeding ticket triggers a $550 rate hike.
NEW HAVEN CAR INSURANCE RATES AFTER A COLLISION OR CITATION
|Citation||Average Yearly Rate|
|At-fault Accident (damages < $1,000)||$3,412|
|At-fault Accident (damages greater than $2,000)||$3,357|
|Speeding Ticket (16-20 mph over speed limit)||$2,800|
New Haven car insurance rates by credit tier
It's no secret credit score is closely correlated with car insurance rates. In fact, New Haven drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 56% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In New Haven, improving your credit to "Fair" could help you earn a $1,578 decrease in yearly insurance premiums.
NEW HAVEN AUTO INSURANCE PREMIUMS BY CREDIT LEVEL
|Credit Score||Average Annual Rate|