Best Cheap Car Insurance Companies for High-Risk Drivers in Connecticut

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.