Car insurance for high risk drivers in Connecticut

Rates after a speeding ticket

Speeding tickets could increase your auto insurance rates slightly or significantly, depending on the carrier. There is no formula to determine which insurance company will be cheaper after a speeding ticket. However, Bankrate’s analysis found Geico, Amica and USAA to be the most affordable carriers on average.

Car insurance companyConnecticut average annual premium for full coverage before a speeding ticketConnecticut average annual premium for full coverage after a speeding ticket% difference
Geico$1,071$1,1255%
Amica$1,216$1,42517%
USAA$1,264$1,42513%

You may be able to avoid an increase in your insurance rates after a speeding ticket by completing an approved traffic school course. The eight-hour course can be completed online from the comfort of your home or in person.

Rates after an accident

In Connecticut, being held responsible for a car accident will increase your premiums more than a speeding ticket. However, high-risk auto insurance rates in Connecticut vary immensely from one insurance company to the next.

Car insurance companyConnecticut average annual premium for full coverage before an accidentConnecticut average annual premium for full coverage after an accident% difference
Geico$1,071$1,33625%
Amica$1,216$1,35111%
USAA$1,264$1,72036%

Geico car insurance may start out as the cheapest coverage for safe drivers, but a single accident could increase your premiums an average of 25%. Meanwhile, Amica’s rates increase an average of 11% after an accident. Finally, USAA rates increase 36%, on average, after an accident.

Rates after a DUI

Driving under the influence may be the most dangerous risk a driver could take both financially and in terms of safety.

Here’s how getting a DUI in Connecticut can impact auto insurance rates.

Car insurance companyConnecticut average annual premium for full coverage before a DUIConnecticut average annual premium for full coverage after a DUI% difference
Geico$1,071$2,527136%
Amica$1,216$2,918140%
USAA$1,264$2,598106%

Drivers convicted of a DUI in Connecticut will also need to ask their insurance company to file a certificate of financial responsibility (SR-22) with the DMV to legally drive.

Rates for teen drivers

Car insurance premiums for parents who insure teen drivers on their policies in Connecticut are higher than average.

Car insurance companyAverage annual premium for full coverage
Geico$2,829
Amica$3,549
USAA$3,810

*16-year-old on their parent’s policy

Getting quotes from numerous carriers is one of the best ways to find the cheapest car insurance.

Who is a high-risk driver?

High-risk drivers come in all ages and experience levels. Insurance companies often consider drivers with a DUI conviction or with more than one accident or moving violation to be high-risk. Teen drivers are generally considered high-risk as well, due to their inexperience.

If you accumulate enough points on your license, you may be facing a suspension of your driving privileges. The number of points you get will depend on the specifics of the incident.

How to lower your rate if you’re a high-risk driver

High-risk drivers face limited carrier options and costlier premiums. One way to offset the limited options is by finding ways to lower the cost of coverage:

  • Compare multiple carriers to find the most affordable coverage based on your current needs.
  • Use as many discounts as possible. Some common discounts include multi-policy, paperless and low-mileage.
  • Complete an approved, eight-hour traffic school course to keep points off your driving record.
  • Raise your comprehensive and collision deductibles to the highest amount you can afford. Saving as little as 5-10% on your auto insurance could translate to hundreds of dollars over time.

Frequently asked questions

What is an SR-22?

An SR-22 is a certificate of financial responsibility that confirms you have the minimum amount of car insurance required to drive. It’s a form filed by your insurance company with the DMV on your behalf.

Do I need extra auto insurance if I’m a high-risk driver?

All Connecticut drivers are required to have liability insurance with minimums of $25,000 in bodily injury and death per person, $50,000 total per accident and $25,000 in property damage. Uninsured and underinsured motorist bodily injury coverages are also required.

How many points do I get in Connecticut if I cause an accident?

This will depend on the specifics of your crash. If you were speeding, driving under the influence, driving recklessly or if someone was injured or killed, you may get more points than you would in a simpler accident.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes.

High-risk drivers
Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.