- Cheapest car insurance in Connecticut for a bad driving record
- How much is high-risk car insurance in Connecticut?
- Cheapest car insurance in Connecticut with a DUI
- Cheapest car insurance in Connecticut with multiple tickets
- Cheapest car insurance in Connecticut with a reckless driving conviction
- Cheapest car insurance in Connecticut with bad credit
- Cheapest car insurance after an accident in Connecticut
- Cheapest car insurance in Connecticut by city
- How to reduce car insurance rates in Connecticut for a bad driving record
- Connecticut car insurance laws for high-risk drivers
- Methodology
- Compare Connecticut high-risk driver car insurance rates with other states
Cheapest car insurance in Connecticut for a bad driving record
If you have a poor driving record in Connecticut, Progressive, GEICO, Kemper are the cheapest options. Progressive has the lowest annual rate at $2,202 per year.
Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay on your record for life.
| Company | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Progressive | $1,708 | $2,202 |
| GEICO | $1,242 | $2,210 |
| Kemper | $1,571 | $2,444 |
| State Farm | $1,733 | $2,701 |
| Allstate | $2,195 | $3,330 |
| Nationwide | $1,766 | $3,483 |
| Farmers | $2,192 | $4,136 |
| Amica | $2,516 | $6,341 |
| USAA | $606 | $864 |
How much is high-risk car insurance in Connecticut?
A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Connecticut, high-risk car insurance costs $3,269 per year. However, you can get rates as low as $2,202 annually from Progressive.
Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.
Read on as we explain high-risk car insurance factors and rates below.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company | Annual premium for clean record | Annual premium after violation |
|---|---|---|
| USAA | $606 | $904 |
| GEICO | $1,242 | $1,747 |
| State Farm | $1,733 | $1,858 |
| Kemper | $1,571 | $2,632 |
| Progressive | $1,708 | $2,664 |
| Nationwide | $1,766 | $2,994 |
| Allstate | $2,195 | $3,920 |
| Amica | $2,516 | $4,017 |
| Farmers | $2,192 | $5,208 |
PEOPLE ASK:
Who is considered high-risk for insurance in Connecticut?
Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.
Cheapest car insurance in Connecticut with a DUI
While many insurers offer coverage after a DUI, State Farm has the lowest rate at $1,858 a year.
Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.
The table below shows the average car insurance rates for a clean record vs. a DUI in Connecticut.
| Company | Average annual premium for clean record | Annual premium for a DUI |
|---|---|---|
| State Farm | $1,733 | $1,858 |
| Progressive | $1,708 | $1,971 |
| Kemper | $1,571 | $2,491 |
| Allstate | $2,195 | $3,143 |
| Nationwide | $1,766 | $3,760 |
| GEICO | $1,242 | $4,178 |
| Farmers | $2,192 | $5,522 |
| Amica | $2,516 | $9,789 |
| USAA | $606 | $1,222 |
Cheapest car insurance in Connecticut with multiple tickets
For drivers with multiple tickets, GEICO offers the lowest premiums, averaging $1,411 per year or $118 per month.
A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.
This table shows drivers in Connecticut how much having multiple tickets can raise their insurance premiums.
| Company | Average annual premium for clean record | Annual premium with a speeding ticket |
|---|---|---|
| GEICO | $1,242 | $1,411 |
| State Farm | $1,733 | $1,858 |
| Progressive | $1,708 | $2,135 |
| Kemper | $1,571 | $2,453 |
| Farmers | $2,192 | $2,938 |
| Nationwide | $1,766 | $3,760 |
| Amica | $2,516 | $4,363 |
| USAA | $606 | $697 |
Cheapest car insurance in Connecticut with a reckless driving conviction
State Farm offers the most affordable rates for drivers with reckless driving convictions, averaging $1,858 per year.
Engaging in driving behaviors that put others at risk can lead to a reckless driving charge. A conviction for reckless driving results in higher car insurance rates.
The table below compares car insurance premiums for drivers with a clean record and those with a reckless driving conviction.
| Company | Average annual premium for clean record | Annual premium for reckless driving |
|---|---|---|
| State Farm | $1,733 | $1,858 |
| Progressive | $1,708 | $2,330 |
| Kemper | $1,571 | $2,491 |
| GEICO | $1,242 | $3,081 |
| Allstate | $2,195 | $3,143 |
| Nationwide | $1,766 | $3,760 |
| Farmers | $2,192 | $5,522 |
| Amica | $2,516 | $7,249 |
| USAA | $606 | $840 |
Cheapest car insurance in Connecticut with bad credit
The cheapest Connecticut insurer for bad credit is GEICO, with rates averaging $1,771 per year or $148 per month. The good news is that drivers with bad credit can still get affordable auto insurance.
Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer's perspective, higher risk means an increased chance of filing a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistics show that drivers with lower credit scores are in this category.
Check the table below to see how your credit score affects Connecticut car insurance.
| Company | Annual premium for good credit | Annual premium for bad credit |
|---|---|---|
| GEICO | $1,242 | $1,771 |
| Kemper | $1,571 | $2,323 |
| Progressive | $1,708 | $2,505 |
| Nationwide | $1,766 | $2,654 |
| Allstate | $2,195 | $3,705 |
| Farmers | $2,192 | $4,962 |
| State Farm | $1,733 | $6,913 |
| Amica | $2,516 | $7,916 |
| USAA | $606 | $1,034 |
Cheapest car insurance after an accident in Connecticut
GEICO has the lowest average rates after an accident at $1,747 a year. State Farm also offers affordable rates, averaging $1,858 per year.
Drivers with accidents on their record usually pay higher insurance premiums than drivers with a clean record. A single accident can raise your rates, and multiple accidents can push them even higher.
This table shows car insurance rates for drivers with a clean record, a single at fault accident, and multiple accidents.
| Company | Average annual premium for clean record | Annual premium for one at-fault accident | Annual premium for multiple accident |
|---|---|---|---|
| GEICO | $1,242 | $1,747 | $3,681 |
| State Farm | $1,733 | $1,858 | $1,858 |
| Kemper | $1,571 | $2,632 | $3,645 |
| Progressive | $1,708 | $2,664 | $4,355 |
| Nationwide | $1,766 | $2,994 | $4,118 |
| Amica | $2,516 | $3,631 | $4,327 |
| Allstate | $2,195 | $3,920 | $5,091 |
| Farmers | $2,192 | $4,955 | $10,612 |
| USAA | $606 | $904 | $1,445 |
Cheapest car insurance in Connecticut by city
Jewett City has the cheapest car insurance rates in Connecticut, averaging $2,897 a year. However, the most expensive city is Bridgeport, with average insurance rates of $4,448 annually.
Where you live in Connecticut also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.
| City | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Jewett City | $1,549 | $2,897 |
| New London | $1,573 | $2,993 |
| Bristol | $1,635 | $3,052 |
| Middletown | $1,667 | $3,125 |
| Norwalk | $1,731 | $3,289 |
| Stamford | $1,846 | $3,535 |
| Milford | $1,876 | $3,587 |
| Derby | $1,929 | $3,655 |
| Hartford | $2,299 | $4,358 |
| Bridgeport | $2,334 | $4,448 |
How to reduce car insurance rates in Connecticut for a bad driving record
Finding affordable car insurance in Connecticut is possible, even with a bad driving record. Ways to lower car insurance rates include:
Where you live in Connecticut also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.
- Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
- Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
- Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
- Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
- Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.
PEOPLE ASK:
How long are you considered a high-risk driver in Connecticut?
Three years is common, but how long you are considered a high-risk driver in California depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.
Connecticut car insurance laws for high-risk drivers
If you're considered a high-risk driver in Connecticut, you may be required to file an SR-22. This form is filled out by your car insurance company, stating that you have at least the minimum required coverage. The court will let you know how long you must file an SR-22.
Although an SR-22 is typically called insurance, it is only the form. You don't need special insurance coverage, but rates are much higher for high-risk drivers and not all carriers insure such drivers.
Methodology
170+
insurance companies analyzed
34,000+
ZIP codes examined
$53M
insurance quotes analyzed
National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
All base rate averages are based on our full coverage data set. This data set is based on:
- A 40-year-old driver
- A clean record
- Good credit
- State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage
Best company rankings use the rate data outline above, as well as:
- Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
- Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
- AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.
Compare Connecticut high-risk driver car insurance rates with other states
Helpful auto insurance tools and calculators
You might also be interested in- Connecticut car insurance laws and requirements: What is changing in 2025
- Connecticut DUI and insurance: How much does a DUI raise your insurance?
- Speeding ticket calculator in Connecticut
- SR-22 insurance in Connecticut
- Non-owner car insurance in Connecticut: Best and cheapest companies
- Connecticut gap insurance: Everything you need to know
- Low-income car insurance in Connecticut: What you need to know
- Connecticut car insurance coverage calculator
- Connecticut car insurance guide
- Cheapest home and auto insurance bundle in Connecticut
