For a 40-year-old driver with a clean record, New Haven car insurance averages about $301 a month ($3,612 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 30% above the Connecticut average of $232 a month. Full-coverage averages in New Haven run from about $190 to $354 a month across the four major insurers we compared (Allstate, Amica, GEICO and Progressive).
New Haven is one of the most expensive places in Connecticut in our data. Our benchmark driver pays about $69 a month more here than the state average and about $23 a month less than in Bridgeport. For statewide averages, see our Connecticut car insurance guide.
Our data covers four ZIP codes with a New Haven mailing address. Three of them are priced the same, about $312 a month, and 06513, on the city’s east side, costs less, at $269.
Cost data comes from the auto rates insurers file with state regulators, priced across all four New Haven ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in New Haven, CT?
Full coverage in New Haven averages $3,612 a year, or about $301 a month, for our benchmark driver. Liability-only coverage at 20/40/10 limits averages $1,450 a year ($121 a month), and 50/100/50 liability with comprehensive and collision averages $3,449 ($287 a month).
- Full coverage (100/300/100, $500 deductibles): $3,612 a year ($301 a month)
- 50/100/50 with $500 deductibles: $3,449 a year ($287 a month)
- Liability only (20/40/10): $1,450 a year ($121 a month)
- South Central Connecticut Planning Region: $3,132 a year ($261 a month) for full coverage
- Connecticut average: $2,780 a year ($232 a month) for full coverage
- ZIP code range: $269 (06513) to $312 (06511, 06515 and 06519) a month for full coverage
Cheap Car Insurance in New Haven: Companies Compared
- Full-coverage range: about $190 to $354 a month across the four insurers in our rate data, for the same driver and car.
- Liability only (20/40/10): about $73 to $155 a month across the four insurers.
- State Farm (Nov. 2025 rates)*: about $357 a month for full coverage, from its November 2025 rates.
- Also on our list: Travelers at about $149 a month, USAA at $178, Kemper at $235 and Nationwide at $292 (USAA sells only to military families).
- Most expensive in our data: Progressive, at about $354 a month.
GEICO’s New Haven average, about $190 a month, is 42% below Allstate’s ($325), a lead wide enough that we show the range instead of naming a single cheapest insurer. The published 2026 statewide Connecticut rate studies we reviewed most often rank GEICO cheapest for full coverage: three of the six put it first, two rank Travelers and one Encompass, apart from USAA, which sells only to military families. For liability-only coverage at 20/40/10 limits, averages run from about $73 to $155 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in New Haven
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 20/40/10 (Yearly): | Liability Only 20/40/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $873 | $73 | $2,276 | $190 |
| Allstate | $1,640 | $137 | $3,898 | $325 |
| Amica | $1,433 | $119 | $4,024 | $335 |
| Progressive | $1,855 | $155 | $4,249 | $354 |
| State Farm (Nov. 2025 rates)* | $1,791 | $149 | $4,282 | $357 |
| Travelers* | $871 | $73 | $1,783 | $149 |
| USAA (military families)* | $730 | $61 | $2,130 | $178 |
| Kemper* | $1,215 | $101 | $2,823 | $235 |
| Nationwide* | $2,034 | $170 | $3,498 | $292 |
| New Haven average | $1,450 | $121 | $3,612 | $301 |
Amica’s New Haven prices apply to drivers who’ve been insured for at least three years with a previous liability limit of at least 100/300. Drivers without that history may not qualify for these rates.
This table uses New Haven ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
New Haven Car Insurance Rates by ZIP Code
Across the four New Haven ZIP codes we price, full coverage for our driver ranges from about $269 a month in 06513 to $312 in 06511, 06515 and 06519, a gap of $505 a year. 06511, 06515 and 06519 are priced the same in our data, and 06513 is the least expensive.
Lowest-priced New Haven ZIP code
Highest-priced New Haven ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below New Haven’s average.
| ZIP Code: | Liability Only 20/40/10 (Yearly): | Liability Only 20/40/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 06511 | $1,493 | $124 | $3,738 | $312 | +4% |
| 06513 | $1,321 | $110 | $3,233 | $269 | -11% |
| 06515 | $1,493 | $124 | $3,738 | $312 | +4% |
| 06519 | $1,493 | $124 | $3,738 | $312 | +4% |
Your ZIP code matters
How Much More Does Better Coverage Cost in New Haven?
Raising liability limits from 50/100/50 to 100/300/100 adds about $163 a year on average in our New Haven data, with the same $500 deductibles. That’s about $14 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Is Car Insurance Going Up in New Haven?
Yes, for our benchmark driver. Comparing the same insurers in the same New Haven ZIP codes, full coverage averaged $3,518 a year nine months earlier and $3,612 in rates as of Aug. 31, 2026, a 2.7% increase. Amica raised its average 5.0% and Progressive 4.5%, while Allstate’s and GEICO’s averages were unchanged. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 20/40/10 limits rose 2.3%, led by Amica, which raised its liability-only average 4.8%.
Why Does Car Insurance Cost More in New Haven?
The South Central Connecticut Planning Region averages about $261 a month for full coverage, the second-most expensive of Connecticut’s nine planning regions in our data, after the Greater Bridgeport Planning Region at $282.
Nearby towns cost less than the city: Hamden averages about $288 a month, West Haven $288, East Haven $269 and Branford $234. Where you live is one of the factors Connecticut insurers use, so neighboring towns can be priced differently.
How New Haven Car Insurance Compares With Other Connecticut Cities
More Connecticut cities and towns are in the Connecticut rates by city table, and you can compare states on our car insurance rates by state page.
Bridgeport, about 17 miles southwest, averages $324 a month.
What Car Insurance Is Required in New Haven?
Drivers in New Haven follow Connecticut’s rules. Every policy must include at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $25,000 per crash
- Uninsured and underinsured motorist coverage of $25,000 per person and $50,000 per crash
Our Connecticut requirements guide covers the details and what happens if your coverage lapses.
How to Lower Your Car Insurance Rate in New Haven
- Compare GEICO and Allstate first. They have the two lowest full-coverage averages among the four major insurers we compared in New Haven, about $190 and $325 a month.
- Quote several insurers. Among the four major insurers we compared in New Haven, the lowest and highest averages are about $164 a month apart for the same driver and car.
- Keep your uninsured motorist limits high. In Connecticut they match your liability limits unless you ask in writing for less and sign an informed consent form, and they can’t go below $25,000 per person and $50,000 per crash.
- Compare at every renewal. Over the past nine months, Amica has raised its average 5.0% and Progressive 4.5%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how car insurance deductibles work.
- Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check New Haven home insurance rates, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.
Ready to compare
How We Calculated New Haven Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 16 full-coverage premiums from four insurers across four New Haven ZIP codes, plus the same number of liability-only and 50/100/50 premiums. Amica’s prices apply to drivers who’ve been insured for at least three years with a previous liability limit of at least 100/300; drivers without that history may not qualify for these rates.
- Insurer count: our Connecticut averages come from four insurers, fewer than in most states, so they can move more when one insurer changes its prices. We publish them as calculated, without adjustment.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 20/40/10 limits, with 20/40 uninsured and underinsured motorist coverage and no comprehensive or collision. Connecticut’s minimum has been 25/50/25 since Jan. 1, 2018, so our liability-only prices use lower limits than the law requires.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm isn’t in the August 2026 rates, so it’s left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Connecticut rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Connecticut law and the Connecticut Insurance Department. We refresh these figures when new rate data is released.
New Haven Car Insurance FAQ
For our benchmark driver, full coverage in New Haven averages about $301 a month ($3,612 a year) and liability-only coverage at 20/40/10 limits about $121 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 30% above the Connecticut average of $232 a month.
It depends on the coverage. For full coverage, averages in New Haven run from about $190 to $354 a month across the four major insurers we compared, and the gap between the two lowest is too wide for us to call one insurer the cheapest. For liability-only coverage at 20/40/10 limits, averages run from about $73 to $155 a month. The published 2026 statewide Connecticut rate studies we reviewed most often rank GEICO cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
In our data, New Haven full coverage averages about $301 a month, 30% above the Connecticut average, and only Bridgeport, Hartford and Waterbury cost more among the places we price. Nearby towns such as Branford ($234) cost much less.
In our data, 06513 has the lowest full-coverage average in New Haven, at about $269 a month, and 06511, 06515 and 06519 the highest, at about $312. The ZIP code table on this page lists all four.
In our New Haven data, full coverage (100/300/100 with $500 deductibles) averages about $301 a month and liability-only coverage at 20/40/10 limits about $121, a difference of about $180 a month ($2,162 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Connecticut law doesn’t require full coverage, but a lender or leasing company may.
Yes, for our benchmark driver. Comparing the same insurers and ZIP codes, New Haven full coverage rose 2.7% over the past nine months, from about $3,518 to $3,612 a year. Amica raised its average 5.0% and Progressive 4.5%. Liability-only coverage at 20/40/10 limits rose 2.3%.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
