- Which company has the cheapest car insurance in Connecticut for a bad driving record?
- How much is high-risk car insurance in Connecticut?
- What company offers the cheapest car insurance in Connecticut after a DUI?
- What is the cheapest car insurance in Connecticut with multiple tickets?
- Which company offers the cheapest insurance for reckless driving in Connecticut?
- Company has the cheapest car insurance for drivers with bad credit in Connecticut?
- What company has the cheapest car insurance in Connecticut after an accident?
- Which city has the cheapest car insurance for high-risk drivers in Connecticut?
- How can high-risk drivers lower their car insurance rates in Connecticut?
- What are Connecticut's insurance requirements for high-risk drivers?
- Compare Connecticut high-risk driver car insurance rates with other states
Which company has the cheapest car insurance in Connecticut for a bad driving record?
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?
In Connecticut, the average cost of high-risk car insurance is $3,269 per year. However, you may secure coverage from Progressive for as low as $2,202 annually. Even with a problematic driving record or poor credit score, affordable policies are available.
Several factors can classify you as a high-risk driver, but some raise your premiums more than others. For example, receiving multiple speeding tickets or getting one for speeding in a school zone will boost your rates more than a single basic speeding ticket.
Keep reading as we break down the factors that make you a high-risk driver and what you can expect to pay for car insurance.
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 a high-risk driver 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.
What company offers the cheapest car insurance in Connecticut after a DUI?
Although many insurance companies provide coverage after a DUI, State Farm offers the most affordable rate at $1,858 a year.
Driving under the influence (DUI) is a serious traffic violation that damages your driving record. It can raise auto insurance premiums for nearly 10 years, on top of fines and other penalties. Multiple DUIs drive rates even higher, but consistent safe driving over time can gradually lead to lower premiums.
The table below compares average car insurance premiums in Connecticut for drivers with a clean record versus those with a DUI.
| 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 |
What is the cheapest car insurance in Connecticut with multiple tickets?
GEICO is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $1,411 a year or $118 a month.
While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to risky driving.
This table shows Connecticut drivers how much multiple tickets increase 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 |
Key insight
Two minor tickets can sometimes cost you more on insurance in the end than one major violation.
Which company offers the cheapest insurance for reckless driving in Connecticut?
State Farm offers the cheapest rates for drivers with reckless driving convictions at $1,858 per year.
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.
You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.
| 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 |
Key insight
A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.
Company has the cheapest car insurance for drivers with bad credit in Connecticut?
The cheapest Connecticut insurer for bad credit is GEICO, with rates averaging $1,771 annually or $148 monthly. Fortunately, drivers with bad credit can still find affordable auto insurance.
Although unrelated to your performance behind the wheel, your credit score also impacts car insurance rates and can put you in the high-risk category. To an insurance company, high-risk means more likely to file 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 statistically, drivers with a low credit score fit that description.
Check out 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 |
What company has the cheapest car insurance in Connecticut after an accident?
GEICO offers the lowest rates after an accident, averaging $1,747 per year. State Farm is another budget-friendly option, with rates around $1,858 a year.
Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.
This table shows rates for drivers with a clean record, one 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 |
Key insight
Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.
Which city has the cheapest car insurance for high-risk drivers in Connecticut?
Jewett City has the cheapest car insurance rates in Connecticut at $2,897 per year. But the most expensive city is Bridgeport with rates of $4,448 per year.
Your location in Connecticut also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance of claims.
| 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 can high-risk drivers lower their car insurance rates in Connecticut?
Finding affordable car insurance in Connecticut is possible, even with a bad driving record. Ways to lower car insurance rates include:
- 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.
What are Connecticut's insurance requirements for high-risk drivers?
If you're a high-risk driver in Connecticut, you may need to file an SR-22. Your insurer submits this form to confirm you carry the state's minimum required coverage. The court will specify how long you must maintain the SR-22.
An SR-22 is not a type of insurance; it's simply a form. You don't need special coverage, but your premiums may be higher since you're classified as high risk. Additionally, not all insurance companies offer policies for high risk drivers or handle SR-22 filings.
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:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:
- DUI
- Reckless driving
- Multiple speeding tickets
- Bad credit
- One at-fault accident over $2,000
Compare Connecticut high-risk driver car insurance rates with other states
You might also be interested in- Connecticut car insurance laws and requirements: What is changing in 2026
- 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
- Connecticut car insurance coverage calculator
- Connecticut car insurance guide
- Cheapest home and auto insurance bundle in Connecticut
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