Car insurance companies charge more to insure drivers who are at a higher risk of filing a claim. The most common red flags for insurers are serious driving violations like reckless driving or a DUI, multiple tickets or accidents and even bad credit.
The average rate for high-risk car insurance in Connecticut is $1,780. High-risk drivers in Connecticut can expect to pay between $1,876 and $3,910 for car insurance depending on the reason for the rate increase.
The cheapest insurance in Connecticut for high-risk drivers is, on average, State Farm, however, it will vary based on your exact situation.
If you’re a high-risk driver, finding cheap car insurance in Connecticut will be more of a challenge. We’ve compared auto insurance rates for high-risk drivers from top companies to help you save.
Key takeaways
- The average cost of high-risk car insurance in Connecticut is $1,780, but it varies depending on what’s on your record.
- The average car insurance rate for a driver with a DUI in Connecticut is $1,555, while a driver with a reckless driving conviction pays $1,555 on average.
- Bad credit can also land you in the high-risk category, with an average rate of $1,446 in Connecticut.
- Cheapest car insurance for high-risk drivers in Connecticut
- Average rates for high-risk drivers in Connecticut by driving record
- Cheapest car insurance with a DUI
- Cheapest car insurance with multiple tickets
- Cheapest car insurance with a reckless driving conviction
- Cheapest car insurance with bad credit
- Methodology
Cheapest car insurance for high-risk drivers in Connecticut
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Connecticut is State Farm, followed by USAA and Kemper Insurance.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| State Farm | $1,780 | $148 |
| USAA | $2,364 | $197 |
| Kemper Insurance | $2,495 | $208 |
| Progressive | $2,512 | $209 |
| Geico | $3,079 | $257 |
| Nationwide | $3,296 | $275 |
| Allstate | $3,451 | $288 |
Average rates for high-risk drivers in Connecticut by driving record
Average cost of car insurance in Connecticut for high-risk driver
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Connecticut for a driver with a DUI is State Farm with an average annual of $1,555 a year.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| State Farm | $1,555 | $130 |
| Progressive | $1,668 | $139 |
| USAA | $2,557 | $213 |
| Kemper Insurance | $2,686 | $224 |
| Allstate | $3,059 | $255 |
| Geico | $3,128 | $261 |
| Nationwide | $3,458 | $288 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Connecticut, the cheapest car insurance with multiple tickets is from Geico. It offers full coverage insurance at $1,377 per year or $115 monthly.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| Geico | $1,377 | $115 |
| State Farm | $1,555 | $130 |
| USAA | $1,787 | $149 |
| Nationwide | $1,879 | $157 |
| Kemper Insurance | $1,997 | $166 |
| Allstate | $2,152 | $179 |
| Progressive | $2,385 | $199 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Connecticut, State Farm offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,555 a year.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| State Farm | $1,555 | $130 |
| USAA | $1,733 | $144 |
| Progressive | $2,168 | $181 |
| Geico | $2,344 | $195 |
| Kemper Insurance | $2,686 | $224 |
| Allstate | $3,059 | $255 |
| Nationwide | $3,458 | $288 |
Cheapest car insurance with bad credit
Although it’s not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Connecticut is Geico with an average annual cost of $1,446 or $121 per month.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| Geico | $1,446 | $121 |
| Kemper Insurance | $1,733 | $144 |
| Progressive | $2,102 | $175 |
| USAA | $2,139 | $178 |
| Nationwide | $2,427 | $202 |
| State Farm | $2,903 | $242 |
| Allstate | $3,507 | $292 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
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