Connecticut Car Insurance for High Risk Drivers (With Quotes)

Courtney Levin
Written byCourtney Levin
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Courtney LevinInsurance Writer

A licensed insurance professional, Courtney Levin has been a personal finance writer since 2016. She graduated from Sonoma State University with a degree in communications and has been creating content for Insurify for more than two years. She specializes in auto insurance and personal finance and strives to help customers understand the ins and outs of their insurance policies.

John Leach
Edited byJohn Leach
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John LeachInsurance Content Editor at Insurify

John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.

Amber Benka
Reviewed byAmber Benka
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Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated March 9, 2022

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Cheapest Insurance Companies for High Risk Drivers in Connecticut (2022)

For drivers that are high-risk 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 after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.

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 high-risk drivers in Connecticut.

CarrierAvg. Monthly Cost
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Plymouth Rock$233
Safeco Insurance$261
Liberty Mutual$276
Nationwide$308
American Family Insurance$362
Stillwater$405
Midvale Home & Auto$416
Bristol West$457

What Makes a Driver High-Risk in Connecticut?

Although many adults enjoy the freedom of getting in their car and driving wherever they please, Connecticut residents should remember that driving is a privilege that can easily be taken away. Certain behaviors on the road may place you in a high-risk category, and while you won't necessarily lose your ability to drive, you'll probably pay more for car insurance.

Causing an accident, speeding, or driving on a suspended license shows car insurance companies that you're riskier to insure, so your rates will naturally be higher. When it's time to enroll in new coverage, high-risk drivers should take the time to shop around for the best deals they can find.

Connecticut Car Insurance Rates for High-Risk Drivers

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. 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 High-Risk Driving Affect Car Insurance Rates in Connecticut?

What constitutes high-risk driving behavior in Connecticut? Nearly any action that places your safety or the safety of others in jeopardy, such as speeding, reckless driving, and failing to stop at a stop sign, is included. Even just one of these infractions could place you in the high-risk category, depending on the circumstances.

Rest assured that if you find yourself suddenly pegged as a high-risk driver, you won't be out of options when it comes to car insurance. Your rates, however, may increase considerably, with some infractions costing up to $150 extra per month:

Driving HistoryAvg. Monthly Cost
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
No Violation$273
Speeding Ticket$330
At-Fault Accident$329
Reckless Driving$355
Failure to Stop$323

How Much Does a Speeding Ticket Impact Car Insurance Rates in Connecticut?

Contrary to what you may think, a speeding ticket isn't a one-time situation. While you might be glad once it's paid and you're back on the road, it's likely that your car insurance rates will be more expensive each month. Connecticut drivers could be charged over $300 each month after this violation:

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How Does an at-Fault Accident Impact Insurance Rates in Connecticut?

An at-fault accident that requires vehicle repairs can be costly, but unfortunately, the expenses don't stop there. Connecticut residents who cause a collision could pay more than an extra $600 per year for their car insurance, with average rates looking like the following:

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Connecticut?

It takes a matter of seconds to run a red light or a stop sign, but the effects on your car insurance rates will linger after this type of infraction, with rates up to $50 more per month. Drivers in Connecticut could find that their premiums look similar to these:

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Does Driving With a Suspended License Impact Car Insurance Rates in Connecticut?

Although many adults enjoy the freedom of getting in their car and driving wherever they please, Connecticut residents should remember that driving is a privilege that can easily be taken away. Certain behaviors on the road may place you in a high-risk category, and while you won't necessarily lose your ability to drive, you'll probably pay more for car insurance.

Causing an accident, speeding, or driving on a suspended license shows car insurance companies that you're riskier to insure, so your rates will naturally be higher. When it's time to enroll in new coverage, high-risk drivers should take the time to shop around for the best deals they can find.

Tips for Researching High-Risk Connecticut Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like Connecticut draws a wide variety of choices when factoring high-risk driving insurance rates.
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

  • Why is car insurance so expensive in Connecticut?

    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.

  • Do car insurance rates vary by county in Connecticut?

    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.

  • Which providers have the best auto insurance ratings in Connecticut?

    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.

  • How much do annual auto insurance rates increase in Connecticut?

    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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Methodology

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Courtney Levin
Courtney LevinInsurance Writer

A licensed insurance professional, Courtney Levin has been a personal finance writer since 2016. She graduated from Sonoma State University with a degree in communications and has been creating content for Insurify for more than two years. She specializes in auto insurance and personal finance and strives to help customers understand the ins and outs of their insurance policies.

John Leach
Edited byJohn LeachInsurance Content Editor at Insurify
Photo of an Insurify author
John LeachInsurance Content Editor at Insurify

John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.

Amber Benka
Reviewed byAmber BenkaLicensed Insurance Agent
Icon of a woman
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.