- Does a DUI raise car insurance rates in Connecticut?
- How much does a DUI raise your insurance in Connecticut?
- If someone gets a DUI in your car, does it go on your insurance?
- How long does a DUI affect your insurance in Connecticut?
- How much does a DUI raise insurance by age group?
- How much does a DUI raise your insurance in your city?
- How to get car insurance after a DUI in Connecticut
- Connecticut DUI insurance requirements and penalties
- How long after a DUI does your insurance go down?
- Tips to save money after a DUI
- Methodology
- Connecticut DUI insurance: Frequently asked questions
- Compare Connecticut DUI car insurance rates with other states
Does a DUI raise car insurance rates in Connecticut?
With a clean driving history, car insurance in Connecticut averages $1,725. After a DUI, the rate increases to $4,344, which is $2,619 more.
Auto insurance companies substantially increase premiums when they classify you as a high-risk driver. If you accumulate multiple DUIs, average rates escalate drastically to $7,617.
How much does a DUI raise your insurance in Connecticut?
The most affordable insurer after a DUI is State Farm, offering average annual rates of $1,858. The second-lowest option is Progressive, which costs $113 more than State Farm. Kemper provides the third-cheapest car insurance rates for drivers with a DUI.
Driving under the influence is not only dangerous but also costly. You'll deal with massive fines and higher car insurance premiums for several years. Each insurer evaluates a DUI differently and sets its own rates, so it's important to compare quotes from multiple companies.
This table displays average car insurance rates for a driver with a DUI in Connecticut.
| Company | Annual premium for clean records | Annual premium after a DUI | Annual premium after multiple DUIs |
|---|---|---|---|
| State Farm | $1,733 | $1,858 | $1,858 |
| Progressive | $1,708 | $1,971 | $3,442 |
| Kemper | $1,571 | $2,491 | $3,562 |
| Allstate | $2,195 | $3,143 | $4,581 |
| Nationwide | $1,766 | $3,760 | $5,243 |
| GEICO | $1,242 | $4,178 | $9,700 |
| Farmers | $2,192 | $5,522 | $11,764 |
| Amica | $2,516 | $9,789 | $21,533 |
| USAA | $606 | $1,222 | $1,426 |
PEOPLE ASK:
What happens when you get a DUI in Connecticut?
If you're convicted of a DUI in Connecticut, consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, car insurance rates will increase, and the DUI will stay on your record for 10 years.
If someone gets a DUI in your car, does it go on your insurance?
In most cases, insurance applies to the car rather than the driver, so your car insurance rates won't rise because the DUI will not appear on your driving record.
However, your rates may increase if your vehicle is involved in an accident due to a DUI. Additionally, your car can be declared a crime scene after an accident, so you won't have access to your vehicle until the police are ready.
How long does a DUI affect your insurance in Connecticut?
Although a DUI may stay on your driving record permanently, it doesn't impact your insurance rates indefinitely. A DUI influences car insurance in Connecticut and stays on your record for 10 years. Your premiums should start to go down after several years of maintaining a clean driving record with no additional violations.
PEOPLE ASK:
Will I have difficulty getting car insurance after a DUI?
It may be more challenging to find affordable car insurance after a DUI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a DUI, you may consider shopping for new coverage to compare rates.
How much does a DUI raise insurance by age group?
Younger drivers pay higher insurance rates than mature drivers since they lack experience behind the wheel. While a DUI increases rates significantly, younger driver's car insurance rates skyrocket after a conviction. The average cost of car insurance for a teen with a DUI is $5,201.
Below are the cheapest insurers after a DUI for each age group:
- For teens: State Farm has the most affordable rate at $5,201.
- For young adults: Progressive offers the lowest-priced coverage for young adults at $2,166.
- For adults: State Farm provides the best rate, averaging $1,858.
- For seniors: State Farm delivers the cheapest average rate at $1,717.
This table illustrates how a DUI affects car insurance rates across different age groups.
| Company | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| State Farm | $4,817 | $5,201 | $384 | 8% |
| Progressive | $7,165 | $7,382 | $217 | 3% |
| Kemper | $5,033 | $7,633 | $2,600 | 52% |
| Nationwide | $6,297 | $7,859 | $1,562 | 25% |
| GEICO | $4,450 | $9,340 | $4,890 | 110% |
| Allstate | $7,212 | $10,690 | $3,478 | 48% |
| Amica | $7,913 | $16,722 | $8,809 | 111% |
| Farmers | $10,095 | $28,279 | $18,184 | 180% |
| The Hanover | $10,487 | $48,491 | $38,004 | 362% |
| State Farm | $4,817 | $5,201 | $384 | 8% |
| Progressive | $7,165 | $7,382 | $217 | 3% |
| Kemper | $5,033 | $7,633 | $2,600 | 52% |
| Nationwide | $6,297 | $7,859 | $1,562 | 25% |
| GEICO | $4,450 | $9,340 | $4,890 | 110% |
| Allstate | $7,212 | $10,690 | $3,478 | 48% |
| Amica | $7,913 | $16,722 | $8,809 | 111% |
| Farmers | $10,095 | $28,279 | $18,184 | 180% |
| The Hanover | $10,487 | $48,491 | $38,004 | 362% |
| USAA | $1,770 | $3,008 | $1,238 | 70% |
| USAA | $1,770 | $3,008 | $1,238 | 70% |
How much does a DUI raise your insurance in your city?
The least expensive city in Connecticut for car insurance after a DUI is Jewett City, while the costliest city is Bridgeport, with an average rate of $5,913. Your location influences your insurance costs, even without a DUI. Drivers in areas with heavier traffic or higher rates of vehicle theft typically face higher premiums because their cars are at a greater risk. A DUI then raises those already elevated rates even more.
This table lists the average car insurance rates after a DUI by city. Compare prices in major cities and rural areas to understand how your location influences your rates.
| City | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| Bridgeport | $2,334 | $5,913 | $3,579 | 153% |
| Bristol | $1,635 | $4,027 | $2,392 | 146% |
| Derby | $1,929 | $4,810 | $2,881 | 149% |
| Hartford | $2,299 | $5,762 | $3,463 | 151% |
| Jewett City | $1,549 | $3,842 | $2,293 | 148% |
| Middletown | $1,667 | $4,137 | $2,470 | 148% |
| Milford | $1,876 | $4,814 | $2,938 | 157% |
| New London | $1,573 | $4,020 | $2,447 | 156% |
| Norwalk | $1,731 | $4,382 | $2,651 | 153% |
| Stamford | $1,846 | $4,726 | $2,880 | 156% |
| Bridgeport | $2,334 | $5,913 | $3,579 | 153% |
| Bristol | $1,635 | $4,027 | $2,392 | 146% |
| Derby | $1,929 | $4,810 | $2,881 | 149% |
| Hartford | $2,299 | $5,762 | $3,463 | 151% |
| Jewett City | $1,549 | $3,842 | $2,293 | 148% |
| Middletown | $1,667 | $4,137 | $2,470 | 148% |
| Milford | $1,876 | $4,814 | $2,938 | 157% |
| New London | $1,573 | $4,020 | $2,447 | 156% |
| Norwalk | $1,731 | $4,382 | $2,651 | 153% |
| Stamford | $1,846 | $4,726 | $2,880 | 156% |
How to get car insurance after a DUI in Connecticut
Insurers will consider you a high-risk driver after a DUI, but you can still get car insurance. Finding the right coverage after a DUI conviction may take some extra effort.
If you already have car insurance and receive a DUI, your insurer will likely keep your policy active. However, your premiums will rise when it's time to renew.
If you need car insurance after a DUI or want to find the most affordable rates, take the time to compare different policies. Get quotes from several insurers to find the cheapest option in Connecticut, as each company sets its own rates after a DUI.
Connecticut DUI insurance requirements and penalties
A DUI in Connecticut means you must meet specific high-risk driver requirements. In Connecticut, this includes obtaining an SR-22. An SR-22 is a form your insurer submits to the state to verify that you carry at least the minimum car insurance required by law. While the SR-22 itself doesn't increase your rates, the offense that led to it does.
A DUI can lead to fines, license suspension, vehicle impoundment and even jail time. Multiple offenses carry even harsher penalties. You may also have to pay attorney fees, towing charges and impound costs.
The table below highlights Connecticut DUI laws and the penalties for both first-time and repeat offenses.
| Increased penalty for high BAC | Administrative license suspension after a first offense | Limited driving privileges during suspension | Ignition interlocks | Open container laws | Repeat offender laws |
|---|---|---|---|---|---|
| None | 90 days | Yes | Highly incentivized for all convictions | No | Yes |
| None | 90 days | Yes | Highly incentivized for all convictions | No | Yes |
*BAC is blood alcohol concentration
How long after a DUI does your insurance go down?
A DUI affects car insurance rates for at least three years, but the actual time varies. In some states like California, a DUI can affect rates for 10 years.
Connecticut drivers can expect to pay higher car insurance rates after a DUI and expect it to stay on their record for 10 years.
Tips to save money after a DUI
A DUI will cost you thousands of dollars in fines, fees, and increased car insurance rates. Fortunately, there are ways to get lower rates after a DUI.
Ways Connecticut drivers can save on car insurance after a DUI include:
- Raise your deductible to lower rates
- Look for car insurance discounts, like multi-policy and vehicle safety feature savings
- Keep your driving record clean going forward
- Take a defensive driving course
- Improve your credit score
- Compare rates from multiple companies
Methodology
We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C.
Unless otherwise indicated, 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
Additional rate data is drawn based on:
- One and two DUI convictions
- Ages ranging from 16 to 75
Learn more about our data and methodology.
Connecticut DUI insurance: Frequently asked questions
How far back do insurance companies look for a DUI?
Depending on the state, a DUI can remain on your driving record for up to 10 years. In most cases, a DUI affects car insurance rates for only three to five years.
Will my insurance drop me after a DUI in Connecticut?
Most insurers will not cancel your policy after a single DUI, but your rates will rise sharply. However, multiple DUIs may lead your insurer to deny coverage. The higher the risk you present, the harder it becomes to secure car insurance.
Compare Connecticut DUI car insurance rates with other states
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