State Farm is the most affordable provider for Connecticut drivers with a DUI, offering monthly rates of $101 for minimum coverage and $196 for full coverage. GEICO, Allstate and Progressive also provide competitive costs, giving drivers with a DUI affordable rates for their insurance needs.
DUI Car Insurance in Connecticut
Updated: February 2, 2026
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Key Takeaways
Our research reveals that State Farm offers Connecticut's cheapest car insurance for those with a DUI at just $101 per month.
Most drivers with a DUI can expect to pay around $172 monthly for state minimum coverage and $311 for full coverage. Comparing quotes between insurers often reveal lower-cost insurance for high-risk drivers following a DUI.
After a DUI in Connecticut, you must file an SR‑22 and carry at least $25,000/$50,000 bodily injury liability and uninsured/underinsured motorist bodily injury at $25,000 per person and
$50,000 per accident.
Cheapest DUI Car Insurance in Connecticut
| State Farm | $101 | $196 |
| GEICO | $131 | $282 |
| Allstate | $144 | $276 |
| Progressive | $173 | $259 |
| Kemper | $181 | $317 |
*Rates are for a 40-year-old driver with good credit insuring a 2012 Toyota Camry.
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Compare Cheap Car Insurance With a DUI in Connecticut
We understand that your profile may not match the ones we used for the table above. So we’ve broken down the cheapest car insurance for a DUI for combinations including coverage level, age group and credit.
Data filtered by:
30-59
Good
State Minimum Liability Only
| State Farm | $101 | $1,215 |
| GEICO | $131 | $1,569 |
| Allstate | $144 | $1,734 |
| Progressive | $173 | $2,072 |
| Kemper | $181 | $2,172 |
*A 100/300/100 liability-only coverage represents the minimum policy offered by most insurers that can satisfy Connecticut law for most drivers.
How Much Does DUI Car Insurance Cost in Connecticut?
In Connecticut, annual DUI car insurance costs around $2,066, varying based on your driving history and credit standing. A DUI can raise your rates by approximately 79% We've laid out the average costs by coverage level, credit score and age group to guide you through.
Data filtered by:
30-59
Good
State Minimum Liability Only
| $172 | $2,066 | $76 | $912 | 79% |
*A 100/300/100 with no comprehensive and collision coverage represents the minimum coverage policy offered by most insurers that can satisfy Connecticut law for most drivers.
HOW LONG DOES A DUI AFFECT CAR INSURANCE IN CONNECTICUT?
In Connecticut, a DUI stays on your driving record for 10 years, but most insurers consider it when calculating your premiums for just three to five years. Some companies track it for the full decade, though, especially when the offense involves aggravating factors.
Additional Costs to Consider When Having a DUI in Connecticut
A DUI conviction hammers your insurance rates, but the real financial damage goes way beyond your premium. Here's what you're actually paying:
- Fines and fees. In Connecticut, a first DUI conviction carries fines ranging from $500 to $1,000. Repeat offenses bring much higher penalties, with fines climbing as high as $4,000. These amounts do not include extra expenses such as court fees, probation costs or required victim impact panel fees.
- Towing/impound fee. Police tow your car the moment you're arrested. Towing costs around $250. Your car sits in impound racking up daily storage charges until you pick it up.
- Drug education and treatment. Connecticut makes you take an alcohol assessment and complete the Impaired Driving Intervention Program (IDIP). The application costs $250. Need treatment? Tack on $100 to $400 more based on what your provider recommends.
- DMV reinstatement fee. To regain your driving privileges after a DUI-related suspension, Connecticut drivers must pay a $175 license restoration fee. If an ignition interlock device is required, an additional $100 administrative fee applies.
- Ignition interlock device. First-timers install an IID for one year minimum. Repeat offenders keep it longer. Installation runs $50 to $150. Then you pay $50 to $100 every month for monitoring.
- Attorney fees and damages. If your DUI involved a crash, you are responsible for property damage and medical bills. Legal representation and court-related expenses add even more, and contested cases often push total costs into the thousands.
Connecticut DUI Car Insurance Requirements
After a DUI, Connecticut drivers must carry at least the state minimum liability insurance: $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage. In addition, Connecticut mandates uninsured/underinsured motorist (UM/UIM) coverage with the same minimum limits of $25,000 per person and $50,000 per accident.
Other Connecticut DUI Laws To Know
Connecticut requires state minimum car insurance, but a DUI triggers several additional rules and penalties worth understanding.
Fines
First-time DUI fines in Connecticut typically range from $500 to $1,000, and repeat offenses can bring fines up to $4,000 (or even $8,000 for third offenses). These amounts are separate from court fees, probation costs, and required victim-impact panel charges.
Imprisonment and release
A first-time DUI carries a minimum of 48 hours in jail (or 100 hours of community service) and up to six months behind bars. Repeat offenses can lead to 120 days to two years in prison, with third-time convictions reaching one to three years. Upon release, drivers often face up to 18 months of probation, may need to complete community service, and could be required to attend victim impact panels.
Impounding of vehicles
Under Connecticut law, any vehicle involved in your DUI arrest will be impounded for at least 48 hours, and retrieval requires paying all towing and daily storage costs.
Suspension periods
Connecticut enforces a 45-day administrative license suspension, starting about 30 days after your arrest, regardless of court outcomes. A criminal conviction for DUI also triggers a one-year license suspension for first and second offenses, and permanent revocation for a third DUI, with reinstatement possible after two years.
DUI education requirements
Every convicted driver must complete a substance-use assessment followed by an alcohol education program or treatment, and they are usually required to attend a victim impact panel. These steps are mandatory before full restoration of driving privileges.
Ignition interlock device requirements
All Connecticut DUI offenders must install an ignition interlock device after suspension. First-timers use it for one year, second-time offenders for three years, and third-time or subsequent offenders may face permanent IID requirements.
How to Get the Best Cheap Connecticut Car Insurance With a DUI
Below, we've highlighted tips for securing affordable DUI car insurance in Connecticut. If traditional coverage options deny you, we'll guide you on alternative steps.
- 1Understand your needs
A DUI in Connecticut often means higher insurance requirements, but that doesn't automatically mean sticking to bare-bones coverage. Look at factors like your income, how often you drive and how much financial risk you can realistically handle. Extra protection may make sense if an accident would strain your finances. An auto insurance coverage needs calculator can also help you get a clearer starting point.
- 2Research costs and discounts
Checking average insurance rates after a DUI in Connecticut helps set expectations early. While DUI-specific discounts are rare, some insurers still reward drivers who complete a defensive driving course. These courses usually cost about $25 and may reduce your premium by as much as 10%, depending on the company.
- 3Compare multiple providers
Even if you already have a short list of insurers, comparing quotes remains important. Focus on matching coverage limits and deductibles so the prices you see reflect real differences rather than plan changes. This approach makes it easier to spot better value without sacrificing protection.
- 4Use state high-risk car insurance programs if denied
Drivers who cannot get approved through standard insurers still have options. Connecticut offers coverage through the Connecticut Automobile Insurance Assigned Risk Plan or CAIARP. This program guarantees access to the state’s required coverage when regular insurers decline your application.
- 5Make lifestyle or vehicle changes
Credit history has a strong influence on insurance pricing in Connecticut, especially after a DUI. Drivers with poor credit and a DUI often pay more than those with stronger credit profiles. Choosing a vehicle with lower repair and replacement costs can also help reduce premiums if you plan to change cars.
- 6Consider non-traditional coverage types
Low-mileage drivers may benefit from pay-per-mile insurance programs that charge based on actual usage. Some insurers also offer behavior-based policies that track driving habits and reward safer patterns with lower rates. In certain cases, insurance offered directly through automakers may come in cheaper than traditional policies, so it’s worth comparing.
Cheap DUI Insurance in Connecticut: Bottom Line
The most affordable car insurance providers in Connecticut for those with a DUI are State Farm, GEICO and Allstate. While our findings suggest these options, we encourage you to compare rates, research costs and determine your needed coverage.
DUI Insurance in Connecticut: FAQ
Below are MoneyGeek's expert answers to common questions about DUI insurance in Connecticut.
Who has the cheapest car insurance for Connecticut drivers with a DUI?
For Connecticut drivers with a DUI and good credit, State Farm offers the cheapest car insurance for minimum and full coverage.
How much does a DUI increase rates in Connecticut?
In Connecticut, a DUI can increase your rates by 79% for state minimum coverage and by 83% for full coverage.
How much does DUI car insurance in Connecticut cost?
In Connecticut, minimum coverage auto insurance for drivers with a DUI costs around $172 monthly. Full coverage premiums is approximately $311 per month.
How We Chose the Cheapest Car Insurance for Connecticut's DUI Drivers
To determine the top companies for drivers with DUIs in Connecticut, MoneyGeek analyzed each company's financial stability, customer satisfaction, claims and affordability based on data from state insurance departments and Quadrant Information Services.
The rates above reflect a 40-year-old male with and without a DUI driving a 2012 Toyota Camry LE with 12,000 annual miles. We modified this base profile to create the other profiles presented.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- AIPSO. "Connecticut Automobile Insurance Assigned Risk Plan (CAIARP)." Accessed June 26, 2025.