New Haven Auto Insurance Rates, Quotes, Agents & Reviews in CT

New Haven, CT Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in New Haven, CT, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

Compare Quotes from Top Providers and Save now!

Discounts of Up To $862 on Multi-Car Insurance in New Haven, CT

The average cost of auto insurance in New Haven, CT, is $1,540. Car owners in New Haven can improve savings by comparing multiple quotes and reviews from different auto insurance companies. Below is a list of discounts available to drivers in New Haven.

discounts_of_up_to_862_on_multi-car_insurance_in_new_haven_ct

Multi-Car Insurance:

Car insurance companies provide discounts to car owners who insure multiple cars with the same insurance company. However, discounts on multi-car insurance policies vary according to the make and model of the vehicle. The cost of insuring two vehicles under a multi-car insurance policy in New Haven is $2,649, while the cost of insuring four vehicles under this policy is $5,298. The amount of savings can range from $431 to $862.

Bundling is another standard method of availing discounts. If a customer purchases multiple policies (life, car, home) from the same insurer, they become eligible for discounts. 

Anti-Theft Discounts:

Car insurers across Connecticut offer discounts to drivers that install anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms. 

Equipping one’s vehicles with the latest anti-theft devices will help in saving more. A passive disabling device helps save the most on auto insurance in New Haven. It helps save up to $108, while an audible alarm helps save up to $62.

Driving Record:

Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years, while State Farm offers discounts for drivers who go three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

For example, post-DUI, the cost of auto insurance in New Haven, can mount up to $2,900 from $1,540. That’s an increase of over $1,000. Other driving violations can prove to be very expensive as well. Some of them include driving with an expired license and using a cellphone while driving. The former leads to an increase of $1,038, while the latter leads to an increase of $353.

 

Factors that can influence the cost of car insurance in New Haven, CT are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


New Haven, CT Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in New Haven, CT with that of other cities in and around New Haven.

New Haven Woodbridge North Haven Hamden Orange New Haven County
Average Insurance Rates $1,540 $1,711 $1,605 $1,562 $1,656 $1,573

New Haven, CT Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around New Haven, CT based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
New Haven $1,537 $1,298
New Haven County $1,404 $1,186
West Haven $1,114 $941
East Haven $962 $813
Orange $1,609 $1,359
Woodbridge $1,924 $1,625
Hamden $1,499 $1,266
North Haven $1,741 $1,470

New Haven, CT Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in New Haven, CT usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,997
20 Years $1,979
30 Years $1,524
40 Years $1,466
50 Years $1,358
60 Years $1,377
70 Years $1,603

New Haven, CT Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in New Haven, CT can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,649 $431
3 Vehicles $3,973 $647
4 Vehicles $5,298 $862

Savings on 2 Vehicles bundle:$431

Savings on 3 Vehicles bundle:$647

Savings on 4 Vehicles bundle:$862


New Haven, CT Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around New Haven, CT.

Location Average Insurance Cost Post DUI Insurance Rate
New Haven $1,540 $2,900
New Haven County $1,573 $2,962
West Haven $1,543 $2,905
East Haven $1,551 $2,920
Orange $1,656 $3,118
Woodbridge $1,711 $3,222
Hamden $1,562 $2,941
North Haven $1,605 $3,022

New Haven, CT Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,321
Excellent (740-799) $1,508
Good (670-739) $1,605
Average (580-669) $2,094
Poor (300-579) $2,512

New Haven, CT Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Peter F. Lupoli Allstate 162 Montowese St, Branford, 6405 (203) 481-6241
Goodman Insurance Inc Liberty Mutual Independent Two Long Hill Avenue, Shelton, 6484 None
Brad Manning Allstate 36 State St Ste 4, North Haven, 6473 (203) 234-7122
Deric Currie State Farm 3208 Whitney Ave Ste 1B, Hamden, 06518-2158 203-407-1933
United Insurance Group Inc Liberty Mutual Independent 569 BOSTON POST RD, ORANGE, 6477 203-795-0275
Sal Riccardi Nationwide 100 Bank St, Seymour, 06483-2806 (203) 888-8608
Contessa Insurance Agency Inc Liberty Mutual Independent 288 STATE ST, NORTH HAVEN, 6473 (203) 230-1229
Amity Insurance Professionals Llc Travelers 1 BRADLEY RD STE 405, WOODBRIDGE, 6525 203-848-3175
Orange Insurance Center Inc Travelers 325 Boston Post Road, Ste 2B, Orange, 6477 None
S M Opper Co Llc Travelers 282 STATE ST, NORTH HAVEN, 6473 203-248-7311
John Berardino State Farm 1700 Post Rd Ste E9, Fairfield, 06824-5726 203-255-2277
Dimatteo Group Insurance Llc Liberty Mutual Independent 79 BRIDGEPORT AVE, SHELTON, 6484 203-924-4811

New Haven, CT Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$68 $1,608
Driver's Failure In Showing Documents +$149 $1,689
Driving With An Expired Registration +$159 $1,699
Driving At A Considerably Slow Pace +$334 $1,874
Using A Cellphone While Driving +$353 $1,893
Running A Red Light +$359 $1,899
Speeding +$377 $1,917
Driving A Vehicle Without The Required Permission +$479 $2,019
Driving With An Expired/Suspended License +$1,038 $2,578

New Haven, CT Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,478
Active Disabling Device $1,478
Tracking Device $1,448
Passive Disabling Device $1,432