New Haven Car Insurance

Your Complete Guide to New Haven, CT, Car Insurance

(Find the best car insurance policy for you)

Reaching a population of almost 130,000, New Haven has become the second-largest city in the state. Seventy-four percent of the residents in this coastal city drive to work, and spend around 25 minutes each way. With so much time spent commuting, you may run into distracted or poor-judgment drivers. With a top-quality car insurance policy, you won’t have to worry if you get into a collision with a preoccupied driver.

An independent insurance agent can help you find the right car insurance policy for you. They’ll comparison shop and find coverage that meets your budget. Chat with a local agent to get started.

Crime Rate in New Haven, CT

The crime rate in New Haven is 1.6 times higher than the US average, making it higher than 92.6% US cities. Let’s compare the crime rate to neighboring cities:

  • New Haven crime rate per 100,000: 427.6
  • East Haven crime rate per 100,000: 132.2
  • West Haven crime rate per 100,000: 176.5
  • Hamdon crime rate per 100,000: 172.1

Even with a high number of crimes in New Haven, there’s no need to worry with comprehensive car insurance. If your car gets broken into, your policy will cover the damage such as broken windows or damaged locks.

It’s always a good idea to take preventive vehicle theft measures. Parking on lighted streets, always locking the doors (even when it’s in your driveway), and not leaving valuables in your car are great ways to safeguard your vehicle. Chat with an independent agent to find out what else your car insurance will protect you from when your vehicle gets broken into.

How Much Car Insurance Are You Required to Have in New Haven, CT?

You are required by law to have a $25,000 bodily injury liability. This will cover medical bills, loss of income, or pain and suffering that other people endure because of an accident you are at fault for. You’re also expected to have a $50,000 property damage liability, which will cover the cost of repairs for another vehicle or property that is harmed because of your actions.

Additional coverage options to consider:

  • Collision coverage: This will pay for damage to your vehicle from the crash, regardless of whose fault it was.
  • Comprehensive coverage: This covers losses that do not result from a collision. For example, if a tree branch falls on your car, this policy will pay to repair or replace your vehicle.
  • Roadside assistance coverage: If you need a tow truck, change a flat tire, or even a jump-start, this coverage will help pay for it.

Chat with an independent insurance agent to find out what additional coverage options you may want to purchase. They know the area and can help you decide what are your major risks.

Do You Need Uninsured Motorist Insurance in New Haven, CT?

Yes, as a driver in this state you must have an uninsured motorist insurance coverage of at least $25,000.

  • National number of uninsured motorists: 13%
  • Connecticut number of uninsured motorists: 9.4%

This policy will pay for your medical bills and property damage expenses if the at-fault driver does not carry liability insurance. Instead of a long wait to get reimbursed for the destruction caused, this coverage will make sure that you are financially covered and can return to your normal life quickly.

So, How Much Is Car Insurance Going to Cost in New Haven, CT?

Well, this is going to be dependent on specific factors about you. Insurance companies have varied calculations to find your quote. They’ll look at things like your credit score, driving history, make and model of your car, and even your age to set your rate.

  • National car insurance rate: $1,311
  • Connecticut car insurance rate: $2,235
  • New Haven car insurance rate: $2,457

This only indicates the averages, and not exactly what you’ll pay. Independent insurance agents can help you find affordable car insurance and car discounts that you may qualify for. Things like a new car, multi-car policy, and safe driver are discounts that may help you lower your policy. Chat with an agent to find out more.

Find Affordable Car Insurance in New Haven, CT

Enlist an independent insurance agent to help you find your car insurance policy. Whether you’ve just purchased a new car, or want to review your current policy, an agent will shop around and help you find what you’re looking for. Contact a local agent for customized quotes now.

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