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Get Cheap Car Insurance in North Haven, CT

We monitor insurance prices, helping the average driver in North Haven save up to 29.9% on car insurance.

 

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The Cheapest Minimum Coverage in North Haven

The chart below shows the cheapest car insurance company in North Haven for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Kemper, followed by State Farm, Safeco Insurance, and Travelers.

 
North Haven Insurer Monthly Cost
Kemper $70
State Farm $80
Safeco Insurance $81
Travelers $82

Savings for Every Kind of North Haven Driver

The table shows how much the average auto insurance customer in North Haven might save by following our recommendations.

Based on our extensive insurance data, we know the average North Haven driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $576 per year by choosing the right vehicle insurance company. Some North Haven residents are paying out over $1,966 extra every year for auto insurance in North Haven. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
North Haven, CT Savings / Yr.
Drivers with good records
$576
Drivers with accidents
$799
Drivers with speeding tickets
$555
Drivers with a DUI conviction
$927
Young drivers
$2,180
Married drivers
$522
Drivers with bad credit
$878

North Haven Car Insurance vs. Connecticut

People living in North Haven pay an average of 1.59% more than the typical driver in the state. The average driver in North Haven can expect to pay about $1,346 per year, or $1,966 for full coverage.

Based on our analysis, Kemper will be the cheapest provider in North Haven for most people.

Car Insurance Prices by North Haven Neighborhood

North Haven, CT map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
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Where is insurance cheapest within North Haven?

The map shows insurance prices in and around North Haven, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $274 per year within the city boundaries, with insurance premiums ranging from a high of $2,165 to a low of $1,891. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the East parts of North Haven.

Pick the Best Car Insurance Company for You in North Haven

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the North Haven insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in North Haven

For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $576 over the average North Haven car insurance company.

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We use the average good driver, paying $116 per month, as our baseline for pricing in North Haven. Travelers, Kemper, and MetLife are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for North Haven drivers with accidents on their records

In North Haven getting into an accident will raise premiums an average 27% for a yearly cost of $2,677. That's $711 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Kemper are good choices for drivers with accidents.

In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $799 over the competition.

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The best car insurance company for North Haven drivers with speeding tickets

>Kemper gave the average person with a speeding ticket the most savings, averaging $555 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In North Haven, tickets raise premiums on new quotes about $320. If you have a speeding ticket, we recommend State Farm, Geico, and Kemper for savings that beat the average insurance cost of $2,286 per year.

The best auto insurance for North Haven drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,238 per year in auto insurance premiums, which was $1,272 more than a driver with no major issues. State Farm, Travelers, and Plymouth Rock Assurance penalized their customers the least for a DUI.

Getting a quote from Travelers may cost the average person with a DUI about $927 less each year.

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The least expensive car insurance company for new and young drivers in North Haven

In North Haven, State Farm costs young drivers $2,180 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 73% more for insurance than more mature drivers in North Haven. With an average cost of $7,304 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Nationwide try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in North Haven

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $140. State Farm, Nationwide, and Travelers provided the largest discounts to couples living in North Haven.

State Farm gave the largest car insurance discounts to married couples, averaging $522 saved each year compared to an average North Haven couple's premiums.

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The cheapest car insurance in North Haven for drivers with bad credit

People with poor credit saved an average of $878 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,084 every year. Premiums for people with poor credit were about $3,050 in North Haven. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Safeco Insurance, and Plymouth Rock Assurance.

The best North Haven car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In North Haven, the National Association of Insurance Commissioners (NAIC) ranks Amica as the best. Another valuable metric: JD Power ranks Amica as the best provider in North Haven.

Amica was the best company for customer service in North Haven according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in North Haven, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in North Haven. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in North Haven

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 15% of North Haven residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average North Haven driver can expect to pay about $120 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In North Haven, USAA has the best prices for drivers with accidents, married couples, drivers with bad credit, drivers with speeding tickets, good drivers, young drivers, and drivers with a DUI conviction.
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Auto Insurance Prices in and Around North Haven

What Influences the Cost of Car Insurance in North Haven?

On average, car insurance in North Haven is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in North Haven is 27 minutes, which is far less than average for a driver in the state.
  • Connecticut state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in North Haven are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
  • North Haven is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in North Haven is $112 per month for minimum coverage and $164 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

Cities with Similar Populations

* Who is the average North Haven driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central North Haven with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.