In New Haven, State Farm offers the best home insurance, balancing affordability, customer service and coverage options. For those prioritizing price, ASI offers the lowest premium at $215 per month.
Cheap Home Insurance in New Haven
Updated: June 11, 2025
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Key Takeaways
State Farm is the best overall home insurance company in New Haven, while ASI offers the cheapest rates at $2,575 per year.
Home insurance in New Haven costs an average of $476 per month or $5,710 per year for most homeowners.
To find the best and cheapest home insurance in New Haven, assess your coverage needs, research providers and compare multiple quotes thoroughly.
Best Cheap Home Insurance Companies in New Haven
| State Farm | 92 | $222 | $2,663 |
| Chubb | 79 | $562 | $6,747 |
| Allstate | 79 | $288 | $3,452 |
| ASI | 72 | $215 | $2,575 |
| Farmers | 65 | $546 | $6,553 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does New Haven Home Insurance Cost?
Home insurance rates in New Haven depend on factors like your personal profile, coverage level and home details. Costs range from $149 to $1,502 monthly. Below, you can compare personalized rates based on your home's age and desired coverage level.
Data filtered by:Results filtered by:
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Age of Home:Newer Home
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $149 | $1,782 |
How to Get the Best Cheap Home Insurance in New Haven
Finding affordable home insurance in New Haven can be tough. We've put together a simple guide to help you navigate your options and choose the best cheap homeowners insurance for your needs.
- 1
Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand allows you to compare quotes easily and prevents you from being oversold by agents.
- 2
Research Cost and Discounts
Researching average home insurance costs in Connecticut for your city and profile can help you gauge potential savings. Understanding what discounts you may qualify for will help you find companies that offer them, leading to lower rates.
- 3
Compare Company Offerings and Reputations
In addition to cost research, understand what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit, and user review sites like Trustpilot.
- 4
Compare Many Quotes Through Multiple Means
Comparing multiple quotes from various companies helps you identify the best option for you. Pricing also varies depending on where you get your quote. We recommend using online tools and contacting independent agents and captive agents to get quotes to make sure you get the lowest price.
Best Home Insurance in New Haven: Bottom Line
The top three best and cheapest home insurance providers in New Haven are State Farm, Chubb and Allstate. While these are our recommendations, do your own research and compare multiple quotes to get the best deal.
New Haven Home Insurance: FAQ
Explore our answers to your common questions about home insurance in New Haven.
Who offers the best home insurance in New Haven?
Our pick for the best home insurance provider in New Haven is State Farm, which offers affordable rates, excellent customer service and a wide variety of coverage options. Additionally, consider getting quotes from Chubb, Allstate, ASI and Farmers.
Who has the cheapest home insurance in New Haven?
ASI offers the cheapest home insurance in New Haven, with an average rate of $215 per month or $2,575 annually. Your individual rate may differ based on personal factors and desired coverage.
What does home insurance cost in New Haven?
Home insurance costs in New Haven range from $1,782 to $18,024 annually, depending on the age of the home and coverage levels.
How We Decided the Best Cheap Home Insurance Companies in New Haven
MoneyGeek’s study analyzed home insurance premiums from 10 companies in New Haven. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500-square-foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.