- 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
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.
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 bad driving record or low credit score can significantly increase rates. While high-risk car insurance averages $3,269 in Connecticut, you can find rates as low as $2,202 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.
Keep reading as we break down high-risk car insurance factors and rates.
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 |
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.
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 |
Cheapest car insurance in Connecticut with multiple tickets
The cheapest insurer for drivers with multiple traffic tickets is Geico, with rates averaging $1,411 or $118.
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 |
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.
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 |
Cheapest car insurance in Connecticut with bad credit
The cheapest Connecticut insurer for bad credit is Geico, with rates averaging $1,771 or $148. 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 rates after an accident at $1,747. State Farm also has affordable rates at $1,858.
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 |
Cheapest car insurance in Connecticut by city
Jewett City has the cheapest car insurance rates in Connecticut, averaging $2,897. However, the most expensive city is Bridgeport, with average insurance rates of $4,448.
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:
- 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.
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.
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