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 rates, giving drivers with a DUI affordable alternatives for their insurance needs.
DUI Car Insurance in Connecticut
Updated: June 26, 2025
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Key Takeaways
Our research reveals that State Farm offers Connecticut's cheapest DUI car insurance 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.
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.
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:Results filtered by:
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Age Range:30-59
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Credit Score:Good
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Coverage Level: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:Results filtered by:
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Age Range:30-59
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Credit Score:Good
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Coverage Level: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 will stay on your driving record for up to 10 years, but most insurance companies only factor it into your premiums for three to five years. Still, a few take it into account for the full decade, especially for more serious offenses.
Additional Costs to Consider When Having a DUI in Connecticut
Getting a DUI can lead to higher car insurance rates, but the additional costs of this driving violation are often overlooked. Below, we've broken down a complete list of considerations to help you manage your budget effectively:
- Fines and fees. In Connecticut, fines for a DUI conviction start at $500 and can reach $1,000 for a first offense, with higher penalties of up to $4,000 for repeat convictions. These fines don’t include additional court fees, probation costs, or mandatory victim impact panel fees.
- Towing/impound fee. After a DUI arrest, your vehicle will likely be towed and impounded. Costs vary by location, but expect to pay around $250 or more, plus additional fees for each day the vehicle is stored.
- Drug education and treatment. DUI offenders are required to complete an alcohol or drug assessment and enroll in the state’s Impaired Driving Intervention Program (IDIP). The program has a $250 application fee, and if treatment is recommended, it can cost an additional $100 to $400, depending on the provider and level of care required.
- DMV reinstatement fee. To restore your driving privileges after a DUI-related suspension, you’ll need to pay a $175 license restoration fee and a $100 administrative fee if you’re required to install an ignition interlock device.
- Ignition interlock device. First-time DUI convictions in Connecticut typically require IID installation for one year, while repeat offenses carry longer requirements. IID installation costs $50 to $150, and you'll pay $50 to $100 monthly for monitoring and maintenance.
- Attorney fees and damages. If your DUI involved an accident, you’re financially responsible for any property damage or medical expenses. On top of that, hiring a DUI attorney and covering court costs can run into the thousands of dollars, especially for contested cases.
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.
- 1
Understand your needs
Your insurance requirements increase after a DUI in Connecticut, but that doesn’t necessarily mean you should have only the bare minimum coverage. Consider whether additional coverage makes sense based on your income, daily commute and overall risk. We also provide an auto insurance coverage needs calculator to help you begin.
- 2
Research costs and discounts
Understanding average post-DUI insurance rates in Connecticut is a good first step. While discounts specific to DUI cases aren’t common, you may also be able to lower your premiums by completing a defensive driving course, which typically costs around $25 and could qualify you for a discount of up to 10%, depending on your provider.
- 3
Compare multiple providers
Even if you start with a list of recommended companies, it’s smart to shop around. Be sure to compare quotes for the same coverage levels so you can make a true side-by-side comparison.
- 4
Use state high-risk car insurance programs if denied
If you're unable to find coverage through standard insurers, Connecticut participates in a high-risk insurance program known as the Connecticut Automobile Insurance Assigned Risk Plan (CAIARP). This ensures you can still get legally required coverage if you're considered too risky for the regular market.
- 5
Make lifestyle or vehicle changes
Improving your credit score is one of the most effective ways to reduce your premium, especially if you’ve been convicted of a DUI. In Connecticut, drivers with poor credit and a DUI can pay more than those with good credit. If you're in the market for a vehicle, opt for a cheaper car to insure, which can lower repair costs.
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Consider non-traditional coverage types
If you don’t drive often, a pay-per-mile program could help you cut costs. Some insurers also offer usage-based insurance that tracks driving behavior, potentially saving safe drivers up to 40%. In some cases, automaker-provided insurance may also offer lower rates than traditional policies, so it’s worth checking.
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. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- AIPSO. "Connecticut Automobile Insurance Assigned Risk Plan (CAIARP)." Accessed June 26, 2025.