New Haven Car Insurance

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 AverageNational Average
$2,250$1,696$1,548

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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
CompanyAverage Rate (annual)
GEICO$1,459
State Farm$1,665
Amica$2,197
Liberty Mutual$2,608
Progressive$2,776

Read our guide to finding the best cheap auto insurance.



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 bracketAverage Yearly Rate
Teenagers$10,166
20s$3,065
30s$2,226
40s$2,106
50s$2,032
60s$2,113
70s$2,775

Learn more about the impact of age on auto insurance rates.



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 StatusAverage Annual Rate
Female$2,212
Male$2,250
Single$2,153
Married$2,153
Divorced$2,250
Widowed$2,250

Read more about the relationships between gender, marital status and insurance rates.



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
CitationAverage Yearly Rate
DUI/DWI$3,870
Reckless Driving$3,874
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

Get more info on how a bad driving history can impact your car insurance costs.



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 ScoreAverage Annual Rate
Very Poor$4,339
Fair$2,761
Good$2,250
Very Good$2,095
Exceptional$1,898

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.