Updated: May 20, 2025
Advertising & Editorial Disclosure
For high-risk drivers seeking affordable car insurance in Connecticut, GEICO, Kemper and Amica Mutual stand out as the top three cheapest options for minimum and full coverage.
Drivers in this state can find annual rates as low as $1,078, while the highest rates can soar up to $5,740.
To snag the best deal on high-risk car insurance, we suggest identifying your coverage needs, researching average costs and available discounts, and comparing multiple insurance providers.
In our analysis, GEICO is the most affordable choice for young drivers, senior drivers, and those with speeding tickets or accidents. It also offers the best rates for drivers with bad credit or combined bad credit and violations.
For those with a DUI, State Farm provides the cheapest option.
| GEICO | Young Drivers | $52 |
| GEICO | Senior Drivers | $44 |
| GEICO | Drivers With a Speeding Ticket | $43 |
| GEICO | Drivers With an Accident | $54 |
| State Farm | Drivers With a DUI | $81 |
| GEICO | Drivers With Bad Credit | $58 |
| GEICO | Drivers With Bad Credit And Driving Violations | $67 |
*Rates shown are for minimum car insurance policies modifying a base profile of a 40-year-old driver with good credit and no driving violations.
While our above table shows affordable options for high-risk insurance, it doesn't cover every unique driver profile. Below, we've provided a table where you can compare rates from top providers tailored to your particular needs.
| GEICO | $147 | $1,769 |
| Kemper | $172 | $2,069 |
| Amica Mutual | $193 | $2,312 |
| State Farm | $195 | $2,338 |
| Nationwide | $238 | $2,852 |
Overall, high-risk car insurance costs in Connecticut can range anywhere from $90 to $38,436 per month, depending on your unique combination of pricing factors. Below, you can compare average pricing for your profile by filtering the table.
| $108 | $1,302 | $0 | $0 | 0% |
If you live in Connecticut and have a driving record with violations, you might wonder how long these will impact your insurance costs. Major offenses, like DUIs or reckless driving, can influence your rates for up to 10 years.
If your violations are minor, they typically only affect your rates for about three to five years. Insurance companies have their own rules, so how long your rates are affected depends on its policies.
High-risk drivers often find it hard to get affordable car insurance. Our guide helps you understand why insurers see you as high-risk and how to find the best affordable options. If denied by most providers, don't worry—we've got tips to help you secure coverage.
The following is a list of various types of drivers that are considered high-risk to auto insurance companies:
Below, you'll find key tips to help you save money and choose the best provider for high-risk car insurance in the Constitution State.
To ensure you aren't influenced by others, identify the car insurance coverage you require before comparing providers. Evaluate add-ons like rideshare coverage and roadside assistance. Use our car insurance coverage calculator to find out how much auto insurance you need.
Understanding average costs for your profile and potential discounts helps assess if you're getting a good deal. Consider {state}-certified defensive driving courses, which can reduce premiums by up to 10%. Knowing these details guides you towards the most suitable insurance choices.
Pay-per-mile or usage-based insurance can yield savings for low-mileage or safe driving. For instance, Geico's telematics program tracks driving habits and offers savings of up to 30% on policies. Exploring these options can significantly reduce insurance expenses.
After reviewing your options, compare offers from at least three providers to understand the market landscape. Use independent brokers and online comparison tools for a comprehensive assessment. Ensure comparisons are consistent to accurately gauge how auto insurance providers compare.
Insurance is a voluntary market, so car insurance companies might deny you a policy if they find you too risky. But don't worry, you can still get coverage through a residual market plan offered by the Automobile Insurance Plan Service Office (AIPSO).
Below, we've provided contact information if you want to start the process.
Monday–Friday, 8:15 a.m.–4:30 p.m. ET
ctaiarp@aipso.com
(401) 946-2800, (401) 528-1488
(855) 224-7349
302 Central Ave
Johnston, RI 02919
Based on our research, the three cheapest companies for high-risk insurance in the Nutmeg State are GEICO, Kemper, and Amica Mutual. While this is what we found, it's wise to do your own research and compare costs to find the best deal. If you're denied coverage, don't worry—there are programs available to help you secure affordable insurance.
Below, we answer common questions about high-risk car insurance in Connecticut.
The cheapest high-risk car insurance provider in Connecticut is GEICO. The lowest monthly premium for high-risk car insurance in Connecticut is $43 with GEICO for drivers with a speeding ticket.
If denied coverage, seek assistance from the Automobile Insurance Plan Service Office (AIPSO) to secure an affordable plan.
High-risk car insurance in Connecticut can be significantly more expensive. For example, drivers with a DUI may see an average annual premium increase of $34,677 (174%) for full coverage or $11,935 (128%) for state minimum coverage compared with adults aged 30 to 50 with clean records.
MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible.
Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.
All high-risk profiles are modifications based on our base profile of the following:
- 40-year-old driver
- 12,000 annual mileage
- Clean driving record
- Good credit
High-risk profiles considered for are young drivers, seniors, and those with bad credit or records of an accident, speeding ticket, or DUI.
We also considered combinations of all of these factors to get a comprehensive view and maintain accuracy and personalization with our recommendations.
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.
