Insurance providers consider high-risk drivers more likely to file a claim and charge them higher rates. However, risky drivers in Connecticut can still access affordable car insurance by shopping around and comparing offers.
State Farm offers the best and most affordable car insurance for high-risk drivers in Connecticut. Such motorists can buy car insurance policies from this company at approximately $1,362 per year. Your auto insurance cost may vary based on your profile and preferences.
Best Companies for High-Risk Drivers in 2023
Insurance companies may consider you a high-risk driver if your profile indicates that you’re more likely to file a claim. Getting an at-fault accident, speeding ticket or a DUI conviction may result in such a classification.
However, even drivers with clean records can be classified as high-risk. If you have limited driving experience, are driving a sports car or have poor credit, companies may consider you high risk.
Auto insurers will charge you higher fees if you’ve been tagged as a high-risk driver to compensate for the risk they’ve taken in providing you coverage. In Connecticut, car insurance is 30% more expensive for risky motorists.
Drivers are commonly classified as high-risk if they have severe driving violations on their records. However, insurers can still consider you risky if your profile precedes you as more likely to file a claim.
If you’ve been identified as a high-risk driver, you can expect your premium prices to be higher. Below are some of the profiles that insurance companies consider risky to insure:
- Drivers with a history of traffic violations or at-fault accidents
- Drivers with a DUI conviction
- Drivers caught driving with a suspended or revoked license
- Young drivers with a lack of driving experience
- Drivers who drive sports cars or participate in drag racing
- Drivers with bad credit or lapses in insurance coverage
Cheapest Car Insurance in Connecticut for High-Risk Drivers
MoneyGeek’s study found that State Farm offers Connecticut’s most affordable car insurance for high-risk drivers. This company sells car insurance for risky motorists for approximately $1,362 annually. MoneyGeek’s in-depth review of State Farm analyzes its pros and cons, discounts, coverages and other factors.
Drivers in Connecticut who’ve been charged with a DUI, reckless driving or other driving violations are required to get SR-22 insurance.
Auto insurance companies file SR-22 forms on their clients' behalf, indicating that the driver’s insurance coverage is enough and meets the state’s minimum requirements.
SR-22 insurance is typically more expensive than a standard car insurance policy despite having similar coverage and limits.
Best Car Insurance in Connecticut for High-Risk Drivers
State Farm scored 96 out of 100 based on MoneyGeek’s unique rating system, making it the top car insurance provider for high-risk drivers in Connecticut. Progressive is the runner-up, scoring 71 out of 100.
Although we’ve listed the best car insurance providers for high-risk drivers in Connecticut, the top company for you may vary based on your needs and driving history.
State Farm offers cheap car insurance for high-risk drivers in Connecticut at around $1,362 per year. Its policies are 8% pricier for risky motorists, but it’s the most affordable in the state.
MoneyGeek’s analysis shows that State Farm is the best car insurance provider for high-risk drivers in Connecticut. Aside from having the cheapest rates for risky drivers, it also has discounts for students and good drivers. The company also offers rideshare insurance as an add-on, which is helpful for drivers working for transportation network companies. However, the company lacks typical coverage add-ons like new car replacement, deductible modification and accident forgiveness.
High-risk drivers in Connecticut can head to Progressive for affordable auto insurance. On average, it offers auto insurance to risky drivers for $1,642 annually. However, its prices are 30% higher for high-risk motorists.
Progressive is MoneyGeek’s runner-up for high-risk drivers in Connecticut. This company offers affordable rates for risky motorists and has several discounts that further reduce costs. Some of its discounts include savings for multiple cars, being a good student and paying in full. Additionally, it has custom parts and equipment coverage as an add-on coverage. However, this insurer is relatively expensive for young drivers and doesn’t offer common discounts for having an anti-theft system, airbags or defensive driving education.
High-quality car insurance is often expensive, but that doesn’t mean you should sacrifice service quality for affordability. After all, you’ll need your car insurance during emergencies and stressful situations.
Connecticut lacks a government-backed auto insurance program for low-income drivers. However, state minimum policies and pay-per-mile insurance are still great options if you’re looking for affordable car insurance in Connecticut.
Cheapest Car Insurance in Connecticut for Drivers With a DUI
MoneyGeek’s analysis found that State Farm is the most affordable car insurance provider for drivers with a DUI, offering policies at approximately $1,362 per year. We’ve conducted a thorough review of State Farm’s offers, coverages and discounts so you can decide if this company is a fit for your needs.
In addition, USAA is an affordable car insurance provider in the state after a DUI, but it’s exclusively available to veterans, military personnel and their families.
The period of time when a DUI sentence remains on your driving record is called the look-back period. Although the number of years varies among states, Connecticut’s look-back period is 10 years. Since look-back periods affect criminal sentencing, they’re often lengthy, allowing judges and prosecutors to identify repeat offenders.
Cheapest Car Insurance in Connecticut for Teenage Drivers
State Farm is MoneyGeek’s pick when insuring teenage drivers in Connecticut. Young drivers in the state can get a State Farm policy for around $5,178 per year. We reviewed State Farm’s auto insurance offers, discounts and available add-on coverages to help you study its auto insurance package.
Young drivers generally pay more for car insurance since they’re considered risky to insure due to their driving inexperience.
Although it's expensive, we still recommend a full coverage policy when insuring young drivers. Teenage motorists are more likely to get involved in accidents, and having comprehensive protection is reassuring in case of an accident.
Cheapest Car Insurance in Connecticut for Drivers With Bad Credit
People with low credit scores are more likely to file an insurance claim. Thus, insurance companies will consider you risky to insure if you have bad credit.
MoneyGeek’s research shows GEICO is Connecticut’s cheapest auto insurance provider for drivers with poor credit. Such motorists can get a GEICO car insurance policy for approximately $1,433 per year. To learn more about this company, consider GEICO’s quotes, coverage offers and discount opportunities in MoneyGeek’s in-depth review.
Because drivers with poor credit are more likely to file a claim, they are considered risky to insure and usually experience higher insurance rates. You can still access affordable car insurance if you have poor credit. Shopping around and taking advantage of discount opportunities is the best way to get the lowest rates.
How Much Does Car Insurance Cost for High-Risk Drivers in Connecticut?
Insurance providers will study your driving history and consider that when calculating your car insurance rates. If you have a DUI conviction, bad credit or little driving experience, you may be considered risky to insure and charged higher premiums.
Car insurance for high-risk drivers in Connecticut is around $1,840 per year, but it’s only approximately $1,272 per year for drivers without a history of driving violations. This means risky motorists pay 30% more than their regular-risk counterparts.
Annual Car Insurance Cost in CT for Low-Risk vs. High-Risk Drivers
This is 45% more expensive.
MoneyGeek’s Connecticut car insurance calculator allows you to estimate your auto insurance premiums. All you need to do is input your age, driving record, vehicle type and insurance preferences to approximate how much you’ll pay for car insurance. In addition, you can see which factors impact your rates the most.
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Can You Still Get Car Insurance in Connecticut if Insurers Refuse to Insure You?
Auto insurance providers operate in a voluntary market so they may refuse insurance applications at their discretion. If you’re having difficulty getting accepted by an insurance company due to your risk profile, you can get a policy from the Automobile Insurance Plan Service Office (AIPSO).
The AIPSO is a not-for-profit organization that services the car insurance industry residual market across the U.S. They’ve been helping risky drivers get car insurance for over 48 years.
Connecticut Automobile Insurance Plan
AIPSO’s database is an excellent resource for high-risk drivers in Connecticut who are struggling to find car insurance. It lists information about the state’s residual market plan based on your location, which you can use to get an assigned risk plan.
The Connecticut Automobile Insurance Assigned Risk Plan is the state’s residual market for motorists who fail to obtain car insurance from the voluntary insurance market. You’ll be required to certify that you’ve tried and failed to get auto insurance for the past 60 days so you can qualify.
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Frequently Asked Questions
Car insurance can get expensive and difficult to obtain if you’re a high-risk driver. To help you get the best available policy for your needs and profile, MoneyGeek answered some frequently asked questions about high-risk car insurance in Connecticut.
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.
To calculate rates for high-risk drivers, MoneyGeek averaged the premiums insurance companies charge for three of the most common driving violations: speeding, at-fault accident and DUI.
To determine the best car insurance company for high-risk drivers, MoneyGeek scored companies based on affordability, customer satisfaction and complaints — obtained from J.D. Power surveys and NAIC complaint scores — and financial strength ratings as calculated by AM Best. Affordability received the greatest weighting in our calculations.
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- AIPSO. "AIPSO’s Value to the Insurance Industry." Accessed September 15, 2022.
- AIPSO. "Connecticut Automobile Insurance Plan." Accessed September 15, 2022.
- Responsibility.org. "State Law: DUI Look-Back Periods." Accessed September 15, 2022.