Cheapest car insurance for high-risk drivers in Connecticut

Cheapest car insurance in Connecticut for a bad driving record

Drivers with a poor record in Connecticut will find the lowest rates from Progressive, GEICO and Kemper. Among these, Progressive provides the lowest annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $2,202 annually.

If you have accidents, DUIs or traffic tickets on your driving record, youll likely pay higher insurance rates. Most traffic violations can impact your rates for three to five years, while a DUI can raise your rates for up to 10 years and may remain 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

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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.

Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.

Read on as we explain high-risk car insurance factors and rates below.

Average annual car insurance rate for At-fault bodily injury accident in Connecticut, CT is $2,805

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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

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Average annual rate

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 provides the average cheapest coverage for $1,858 annually.

A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.

The table below compares average car insurance rates with a clean driving record and rates after 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

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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

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Cheapest car insurance in Connecticut with a reckless driving conviction

State Farm has the cheapest rates for drivers with reckless driving convictions at $1,858 a year.

If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.

The table below shows car insurance rates for drivers with a clean record vs. drivers 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

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Cheapest car insurance in Connecticut with bad credit

In Connecticut, GEICO provides the lowest premiums for drivers with poor credit, averaging $1,771 per year or $148 per month. Even with a low credit score, you can still find affordable auto insurance.

While your credit score doesn't reflect your driving ability, it can impact your car insurance rates and place you in a higher-risk category. Insurers view lower credit scores as an indicator of increased risk based on statistics showing that these drivers are more likely to file claims.

Check the table below to see how credit scores impact car insurance costs in Connecticut.

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

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Cheapest car insurance after an accident in Connecticut

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 driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.

This table compares rates for drivers with a clean driving 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

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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

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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:

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 a high-risk driver in Connecticut, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.

An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage 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:

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++.