Cheapest and Best Car Insurance in New Haven, CT (2024)

In New Haven, the cheapest car insurance varies by coverage and driver profiles. For full coverage, GEICO offers the lowest rates, and it is the most affordable insurer for families with teens. For exceptional customer service, Amica Mutual stands out; it's also the top pick overall for balancing price and service quality, making it an optimal choice for value-minded consumers with specific preferences and coverage needs.

MoneyGeek found that GEICO is the cheapest option in New Haven for minimum coverage car insurance. This underscores the importance of comparing rates to find the cheapest car insurance.

• GEICO: $585 per year
• Kemper: $809 per year

Hanover offers the most expensive minimum coverage policy in New Haven, with an annual premium of $3,352.

In Connecticut, including cities like New Haven, car insurance coverage minimums are set by state law. These are the baseline requirements you must meet:

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $25,000 property damage liability per accident
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident

For example, if you have the minimum coverage and are at fault in an accident that injures another person, your policy would cover up to $25,000 for that person. However, if their medical bills total $40,000, you'd be responsible for the remaining $15,000 out-of-pocket.

MoneyGeek found that GEICO is the cheapest option in New Haven for drivers looking for the cheapest full coverage car insurance. Those shopping for the best rates should consider the following providers:

• GEICO: $1,307 per year
• Kemper: $1,523 per year

The most expensive full coverage policy in New Haven is offered by Hanover, with an annual premium of $6,572.

An exemplary New Haven full coverage policy offered by MoneyGeek steps up from basic coverage, presenting $100,000 worth of bodily injury protection per individual, $300,000 per accident and property damage liability of $100,000 for each incident. This upgraded protection plan is termed a 100/300/100 policy.

In addition to bolstered liability limits, such comprehensive coverage plans encompass both comprehensive and collision insurance.

• Collision Insurance: This insurance is crucial as it provides coverage for your vehicle in the event of a collision, whether it be with another car or any object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This aspect of your coverage takes care of damages to your vehicle stemming from non-collision incidents, including theft or natural events like storms and being struck by an animal like a deer.

Investing in full coverage insurance is a wise decision for new vehicle owners to protect their recent purchase. For those with older vehicles, this level of coverage might not be economical due to the substantial increase in the annual premium. You need to consider both the coverage and costs when determining your car insurance needs.

MoneyGeek found that GEICO is the most affordable option in New Haven for drivers with a poor driving record seeking full coverage policy, regardless of whether they've received a speeding ticket, been at fault in an accident, or been convicted of a DUI.

• Speeding Ticket: GEICO ($1,521 per year)
• At-fault accident: GEICO ($1,898 per year)
• DUI: Progressive ($2,110 per year)

There's a significant difference in the annual premiums between these incidents; the lowest premium after a speeding ticket with GEICO is $1,521, which escalates to $4,184 after a DUI, illustrating how the gravity of a driving offense can substantially impact car insurance costs.

Insurance premiums in New Haven and other cities escalate because insurers see past offenses as indicative of risky driving behavior, thereby raising costs to mitigate potential future claims.

MoneyGeek found that GEICO is the cheapest option in New Haven for full coverage car insurance for teens, both male and female. Here are the two most affordable providers in New Haven for teen car insurance:

• GEICO: $1,553 per year for female teens and $2,214 per year for male teens
• Kemper: $2,288 per year for female teens and $2,394 per year for male teens

These competitive rates represent the combined premium for a policy covering two parents and a teen driver.

For teens in New Haven, and similarly in other cities, obtaining car insurance independently can be financially challenging. On average, a teenager paying for a policy alone faces an annual premium of $8,912, contrasting sharply with the $3,232 average when included in a family plan. These inflated rates for individual teen policies reflect the heightened risk insurers associate with young drivers.

MoneyGeek found that USAA is the cheapest option in New Haven for full coverage car insurance tailored to individuals with a military background. For the most affordable rates, consider:

• USAA: $1,254 per year
• GEICO: $1,307 per year

USAA not only offers the least expensive annual premium at $1,254, but it also provides services that are specifically designed for the needs of active duty military members.

In New Haven, you can use MoneyGeek's car insurance calculator to look for rates. You need to enter parameters such as age, driving history, credit score and desired coverage level to get rate estimates.

Choosing the right auto insurance hinges on your priorities, whether it's exceptional service, low cost, comprehensive coverage or a balance of these factors. MoneyGeek's scoring system varies by category to evaluate New Haven's top insurers tailored to different needs:

• Best overall: Amica Mutual (MoneyGeek score 95 out of 100)
• Best for service: Amica Mutual (MoneyGeek score 99 out of 100)
• Best cheap: Amica Mutual (MoneyGeek score 94 out of 100)

Amica Mutual emerges as New Haven's standout, excelling in overall value, top-tier service and affordability.

MoneyGeek found that Amica Mutual best car insurance is the top pick in New Haven, offering superior services and customer satisfaction. Highlighted below are the two leading providers based on MoneyGeek's evaluation:

• Amica Mutual: MoneyGeek score of 95 out of 100 ($2,299 per year)
• State Farm: MoneyGeek score of 73 out of 100 ($2,001 per year)

Amica Mutual has high claims and satisfaction scores, emphasizing its commitment to customer service and efficient claims processing.

MoneyGeek found that Amica Mutual is the best option in New Haven for customer service in car insurance. This is based on general satisfaction, claims handling and coverages, without the influence of rates.

• Amica Mutual: MoneyGeek score of 99 out of 100 ($2,299 per year)
• Hanover: MoneyGeek score of 72 out of 100 ($6,572 per year)

Amica Mutual is at the forefront of car insurance providers in New Haven, commanding the highest MoneyGeek score for overall excellence.

MoneyGeek found that Amica Mutual offers the best cheap car insurance in New Haven. Their balance of affordability, claims handling and customer satisfaction.

• Amica Mutual: MoneyGeek score of 94 out of 100 ($1,132 per year)
• State Farm: MoneyGeek score of 75 out of 100 ($1,062 per year)

Amica Mutual distinguishes itself with the highest MoneyGeek score for a minimum coverage policy.

In the coastal city of New Haven, the average car insurance cost is $2,165. When compared to the Connecticut average, New Haven's rates are notably higher, with car insurance in the state averaging $1,914. The average cost of car insurance in Connecticut also exceeds the national average, representing a $133 hike when compared to the average national car insurance premium of $1,781.