New Haven Car Insurance

The Zebra
May 30, 2018

Car Insurance in New Haven

It is known that New Haven has costly premiums, as its mean premium is $525 greater than Connecticut's average. So in New Haven, it is critical to save while insuring a vehicle. Keep some money in your pocket by following the tips below about how to save on car insurance in New Haven.

  • City Average: $2,069
  • State Average: $1,544
  • National Average: $1,427

New Haven Car Insurance by Gender and Marital Status

In New Haven, gender as well as marital status can have an effect on your car insurance premiums. There is no difference in rates between those who are single and those who are divorced or widowed. In contrast, you spend around $100 more per year if you're single or divorced as opposed to married. Premiums for men are generally a mere 1% more expensive than for women.

  • Female: $2,041
  • Male: $2,069
  • Single: $2,069
  • Married: $1,966
  • Divorced: $2,069
  • Widowed: $2,069

New Haven Car Insurance by Credit Rating

Average car insurance premiums in New Haven for those with Very Poor credit (300-579) are over double the premiums for those with Exceptional credit (800-850). In terms of percent change, the most significant benefit of better credit comes from upgrading from Good (670-739) to Very Good (740-799), by which drivers can save approximately 19% per year.

  • Very Poor: $3,930
  • Fair: $3,243
  • Good: $2,675
  • Very Good: $2,159
  • Exceptional: $1,827

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New Haven Car Insurance by Age

With payments of $9,089 on average, teenage drivers pay the most in car insurance premiums. The most significant decrease in premiums for New Haven drivers happens when they hit their 20s. Once out of the teenage age bracket, they reduce their premiums by $6,271. In New Haven, turning 60 means a rise in rates. Up until then, transitioning between age groups means decreasing prices. Among all age groups, drivers in their 50s have the lowest car insurance rates, with rates of $1,906 per year. Those in their 40s ($1,981) and 60s ($1,984) also have relatively low premiums.

  • Teenagers: $9,089
  • 20s: $2,818
  • 30s: $2,043
  • 40s: $1,981
  • 50s: $1,906
  • 60s: $1,984
  • 70s: $2,615

New Haven Car Insurance by Accident or Violation History

Accidents and violations on your driving record can cost you in terms of premiums. For those in New Haven with at-fault accidents in which damages exceeded $2,000, rates are an average of 2% more than at-fault accidents with damages less than $1,000. Many people are lenient about obeying speed limits, but did you know that a ticket for speeding (16-20mph over the limit) can raise your car insurance premiums by 18%?

  • DUI: $3,844
  • Reckless Driving: $3,794
  • At-fault Accident (damages less than $1000): $3,078
  • At-fault Accident (damages greater than $2000): $3,145
  • Speeding Ticket (16-20 mph over speed limit): $2,448