Low rates may not be available for drivers who have been convicted of multiple DUIs, traffic violations or other at-fault offenses. In addition, reckless or high-risk driving in Connecticut could lead to your license being suspended, restricted or revoked. If traditional vehicle insurance is not available or is too expensive, Connecticut high-risk insurance might be an option.
Connecticut high-risk car insurance rates
The cost of your Connecticut vehicle insurance depends on your driving record, vehicle and level of coverage, as well as some other various factors. High-risk coverage in Connecticut is more expensive than traditional coverage. Each insurance carrier has its own threshold of risk when pricing your vehicle insurance. A single insurance company might offer affordable insurance to a driver who has been cited for speeding but raises premiums after an accident or claim.
Rates for speeding tickets
Speeding tickets could increase your auto insurance rates slightly or significantly, depending on the carrier. There is no way to predict which insurance company will be the cheapest after a speeding ticket. However, Bankrate’s analysis found Geico, Amica and USAA to be the most affordable carriers on average.
Geico car insurance might seem to be the most affordable for safe drivers. However, a single accident can increase your premiums by an average 25%. Amica’s rates go up an average 11% after an incident. After an accident, the average USAA rate increases by 36%
Rates for DUI
Driving under the influence could be the most dangerous financial and safety risk that a driver can take.
Here’s how getting a DUI in Connecticut can impact auto insurance rates.
Rates for teenage drivers
Parents who insure teens on Connecticut policies are paying higher car insurance premiums than the average.
It is a great way to get quotes from multiple carriers and find the lowest car insurance.
Who are high-risk drivers?
All ages and all experience levels are considered high-risk drivers. High-risk drivers are often considered high-risk by insurance companies if they have been convicted of a DUI or have been involved in multiple accidents or violations. Due to their inexperience, teens are also considered high-risk.
You could lose your driving privileges if you accumulate too many points. The details of each incident will determine the number of points that you receive.
How to lower your rate for high-risk drivers
High-risk drivers have fewer options for carriers and higher premiums. You can offset these limited options by lowering the cost of coverage.
- Compare coverage options from multiple carriers to determine the best price based on your needs.
- As many discounts as you can. Discounts that are common include multi-policy discounts, low-mileage and paperless.
- To keep points off of your driving record, complete an eight-hour approved traffic school course.
- Increase your collision and comprehensive deductibles until you are able to afford it. You could save hundreds of dollars by lowering your auto insurance premiums by as little as 5-10%.
Questions frequently asked
What is an SR-22?
An SR-22 certificate is a proof of financial responsibility. It confirms that you have the minimum car insurance necessary to drive. This is a form that your insurance company files with the DMV for you.
Are there extra auto insurance requirements for high-risk drivers?
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. You must also have bodily injury coverages for uninsured or underinsured motorists.
What are the points I can get in Connecticut if an accident occurs?
It will depend on what happened in your crash. You may be awarded more points if you are speeding, driving under the influences, reckless driving, or someone else was hurt or killed.
