Cheapest car insurance for high-risk drivers in Connecticut

Which company has the cheapest car insurance in Connecticut for a bad driving record?

Progressive, GEICO and Kemper offer some of the cheapest rates for drivers with poor driving records in Connecticut. Among them, Progressive has the lowest average 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, tickets or a DUI on your record, insurance companies will charge higher rates. Serious violations may affect your premiums for years, especially if you have multiple offenses.

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?

The average cost of high-risk car insurance in Connecticut is $3,269 per year. Depending on your driving history and insurer, you may be able to find rates as low as $2,202 annually.

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 one in a school zone, will increase 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.

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 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?

State Farm offers the cheapest average rates after a DUI in Connecticut 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

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What is the cheapest car insurance in Connecticut with multiple tickets?

GEICO has the cheapest average rates for drivers with multiple tickets at $1,411 annually or $118 monthly.

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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Expert's Insight Two minor tickets can sometimes cost you more on insurance than one major violation.

Which company offers the cheapest insurance for reckless driving in Connecticut?

State Farm provides the cheapest average reckless driving insurance rates in Connecticut at $1,858 per 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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Expert's Insight A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

Which company has the cheapest car insurance for drivers with bad credit in Connecticut?

GEICO offers the lowest average car insurance rates in Connecticut for drivers with bad credit, at $1,771 per year or $148 per month. Even with bad credit, drivers can still find affordable auto insurance coverage.

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

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What company has the cheapest car insurance in Connecticut after an accident?

GEICO offers the cheapest average post-accident rates in Connecticut at $1,747 annually. State Farm also provides relatively affordable rates at $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

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Expert's Insight Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city is the cheapest for high-risk car insurance in Connecticut?

Jewett City has the cheapest average high-risk car insurance rates in Connecticut at $2,897 annually. In comparison, Bridgeport has the highest average premiums at $4,448 per year.

Where you live in Connecticut matters, too. If you're in an area with heavy traffic or a high rate of vehicle theft, your premiums will rise to reflect the increased likelihood 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

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How can high-risk drivers lower their car insurance rates in Connecticut?

High-risk drivers in Connecticut can find lower rates by shopping around, avoiding further violations and taking a defensive driving course. 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 Connecticutdepends 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 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.

An SR-22 is not an insurance policy and doesn't require special 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:

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

FAQ: High-risk car insurance in Connecticut

Can high-risk drivers get full coverage car insurance in Connecticut?

Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.

Does an SR-22 automatically make your insurance more expensive in Connecticut?

Although the SR-22 doesn't increase your rates, the reason for needing it does, since only drivers with major violations require an SR-22; rates will go up. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.

Will my car insurance rates go down after three years in Connecticut?

It's likely that your insurance will go down after three years, although, depending on the violation, you may still be paying higher rates than you were before it happened.