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Connecticut Car Insurance for Bad Credit Drivers

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Joe Dyton

By: Joe Dyton

Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Cheapest Companies for Drivers With Bad Credit in Connecticut (2022)

For drivers with bad credit in Connecticut, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Connecticut. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Connecticut.

CarrierAvg. Monthly Cost
Safeco Insurance$228
Plymouth Rock$252
Liberty Mutual$291
American Family Insurance$300
Midvale Home & Auto$303
Nationwide$379
Bristol West$422

Bad Credit Car Insurance in Connecticut

A poor credit score can negatively impact your financial well-being, especially when you need to borrow money for a car or house. Bad credit can also raise your insurance rates. A few states prohibit car insurance companies from using a driver's credit history as a factor in determining their rate. Unfortunately, Connecticut is not one of those states. Most companies will run your credit if you try to get coverage.

While a poor credit score won't prevent you from getting coverage like it might a loan, you should expect to pay a higher insurance premium.

Connecticut Car Insurance Rates for Bad Credit Drivers

Excellent
$216
Good
$275
Average
$298
Poor
$317

Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does Bad Credit Impact Car Insurance Rates in Connecticut?

Drivers with bad credit pay almost 19 percent more than average for car insurance in Connecticut. Credit scores are just one factor companies look at when determining car insurance rates, however. According to the Insurance Information Institute, companies will review your driving record and claims history along with your total debt and payment history when they set your rate. Insurers use your credit score to figure out your risk level and likelihood that you'll file a claim in the future.

Avg. Monthly Cost - for Drivers with Good Credit
$267
Avg. Monthly Cost - for Drivers with Bad Credit
$319
$52 ▴
19.48% ▴
Monthly Impact of Bad Credit on Rates
Percent Bad Credit Impact Rates

Can I Get Car Insurance With No Credit Check in Connecticut?

It is possible to get car insurance without a credit check in Connecticut. There's a catch, however. Car insurance companies that don't check credit scores often charge higher premiums. Insurance companies that run credit checks do so to calculate how much risk comes with covering a driver. Without that check, the risk calculation is incomplete, and companies will charge more for coverage to compensate for that.

You may not want to go through a credit check, but it might be worth it to see if you can pay less for coverage with a standard car insurance company in Connecticut.

Connecticut Car Insurance Rates by Credit Tier

Having excellent credit is important for a number of reasons. It's especially critical in Connecticut, however, because the average monthly cost for insurance for drivers with excellent credit is still a bit high, at $216. Premium costs only go up from there; even Connecticut drivers in the "good" credit tier pay an average of $275 a month for car insurance. Poor credit can result in a monthly insurance bill of $300 or more.

Credit TierAvg. Monthly Cost
Excellent$216
Good$275
Average$298
Poor$317

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Car Insurance Rates With Bad Credit in Connecticut Cities

A poor credit score will be costly for drivers seeking car insurance in a handful of Connecticut cities. Norwich is one of the few cities where Connecticut drivers with bad credit can expect a monthly payment of less than $300. Meanwhile, drivers in Waterbury, Hartford, and New Haven are looking at a $400 per month car insurance bill if they have bad credit.

CityCredit TierAvg. Monthly Cost
BridgeportPoor$342
New HavenPoor$402
WaterburyPoor$400
HartfordPoor$401
NorwichPoor$281
New BritainPoor$306

Tips for Researching Bad Credit Connecticut Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like Connecticut draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.

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FAQs - Connecticut Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Connecticut. Insurify analyzed the latest data for the five most populous cities in Connecticut to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Connecticut and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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  • Personalized quotes in 5 minutes or less
  • No signup required
  • The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

    Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

    With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Joe Dyton
Joe Dyton

Insurance Writer

Joe Dyton has been a professional writer since 1999. He's been writing about the auto insurance industry for 15 years and was an in-house marketing copywriter for GEICO for a decade. Learn more about Joe at joedyton.com.

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