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Cheap Car Insurance in New Haven, Connecticut

It’s easier than you think to find cheap car insurance in New Haven, a coastal city on the Long Island Sound. Perhaps best known as being the home of Ivy League Yale University, New Haven was nicknamed Elm City for instituting the first tree-planting program in America — though disease later claimed a large number of them. Founded by Puritans in 1638, the city today is home to about 130,000 who live within its 20 square miles. The 16-acre square that serves as downtown is known as New Haven Green, or simply “the Green” to locals. Half the city’s jobs and tax base are located within the Green. The presence of Yale gives locals even more access to art, theater and college sports.

Driving Conditions in New Haven

New Haven is one of America’s first planned cities, laid out in an easy-to navigate grid pattern from its founding. Interstate 95 and Interstate 91 intersect in New Haven. I-95 is notorious for traffic jams commute time for New Haven is just over 24 minutes, lower than the national average of just under 26 minutes. About 9 percent of New Haven residents bike, walk or use public transit to work, according to Census Bureau data.

For real-time traffic information, road construction and maps, visit

Unique Laws in New Haven

The City of New Haven in 2007 made a controversial decision to issue ID cards to undocumented immigrants, a first in the U.S. in an effort to cut down on crime and increase reporting. “Elm City Resident Cards” can be used for ID, parking meter payment, as a debit card up to $150 and for a library card.

The practice of branding cattle actually originated in Connecticut — after a law was passed requiring farmers to mark their pigs. Connecticut laws state it’s illegal for cyclists to travel in excess of 65 mph, or for anyone to throw a used razor blade in the trash. Sensibly enough, town records are forbidden to be kept where liquor is sold. Also in Connecticut, it’s illegal to hunt from a car, according to a list of odd laws collected by Kupper Automotive, and it’s also illegal to shoot whales from your car.

New Haven Crime Statistics

New Haven’s most recent crime data suggest it is overall more dangerous than average cities.

FBI statistics compiled for 2016 show 1,219 violent crimes in New Haven, 13 of which were murder or non-negligent manslaughter. The majority, 740, were aggravated assaults. The local violent crime rate of 934 offenses per 100,000 residents is far above the national average of 386 per 100,000. The 2016 property crime rate for New Haven was 4,210 per 100,000 residents, nearly twice the national average of 2,451 per 100,000.

Within the city, 735 vehicles were stolen in 2016, FBI data shows, a rate of 563 per 100,000 residents. The national average for 2016 was 236 incidents per 100,000 people.

New Haven Safety Requirements

Drivers and all passengers are required to wear a seat belt, according to the Connecticut Department of Motor Vehicles, and failure to do so could result in a $75 fine. State law requires children under 16 be restrained child restrained in a safety seat or belt and children under one year must ride rear facing. Children under 60 pounds must ride in a booster seat. Hand-held cellphones are banned for drivers even when the car is stopped at signals. Also, Connecticut law requires continuous insurance coverage on any registered vehicle. If you fail to maintain insurance, the insurance company will send a report of cancellation to the DMV, which will notify you of a violation.

New Haven Impaired Driving Laws

In Connecticut, like most other states, a driver is considered legally intoxicated with a BAC of .08 or higher. For those under 21, the legal limit is .02 or higher. Regardless of age, if you refuse to take a test, your operator’s license will be suspended for at least 45 days, the Connecticut DMV states. You will be required to install and maintain an ignition interlock device, or IID, as a condition of reinstatement. The IID will be required for at least one year or possibly more, depending on the number of prior offenses. These penalties also apply to a first conviction. Regardless of your situation, it’s possible to find cheap car insurance in New Haven, contact us for comparisons.

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Dig you know

Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

Savings Tip

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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