How Much are Auto Insurance Quotes for Drivers with a DUI in Connecticut?

Our editors always tell us that when writing about auto insurance, the words “affordable” or “cheap” should never be used anywhere in the article to describe car insurance prices. Unfortunately, cheap car insurance for drivers with a DUI is not always easy to find. But don’t let us ruin your dream, because we can show you some ways you can quote car insurance that is cheaper than your current rate.

The model of vehicle that needs insurance is probably the biggest factor that determines whether or not you can buy cheap insurance for drivers with a DUI in Connecticut. Vehicles with high performance engines, poor passenger safety features, or a high likelihood of having liability claims will cost substantially more to insure than more modest models.

The lists below shows insurance premiums for a number of the more afforable vehicles to insure in Connecticut.

Data variables include married female driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and Connecticut minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in your specific Connecticut location which can lower or raise coverage prices substantially.

Prices above based on married female driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and Connecticut minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, and multi-policy. Prices do not factor in specific garaging location which can revise rates greatly.

Prices above based on married female driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and Connecticut minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, and multi-policy. Information does not factor in vehicle garaging location which can raise or lower prices substantially.

Buying reasonably-priced auto insurance is tough enough, and deciding which insurers offer the cheapest auto insurance rates for drivers with a DUI will involve a bit more work. Coverage prices will most likely be quite a bit more expensive than the average rate in Connecticut attributed to the additional risk that goes along with offering insurance after getting a DUI, but competitive insurance may be possible if you compare enough companies.

Every insurance provider uses their own formula to determine rates, so let’s begin by examining the auto insurance companies with the overall best prices in Connecticut. It’s a good idea to know that Connecticut auto insurance rates are determined by lots of factors that can increase the cost of a policy. Price variation is why it is so important to shop around to find the lowest auto insurance quotes for drivers with a DUI. Prices are made up of many factors and change substantially, so the cheapest rate a year ago may now be wasting a lot of money.

Best Auto Insurance Prices after a DUI

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Utica National offers some of the lowest car insurance rates in Connecticut at around $995 each year. Travelers, Amica, USAA, and Nationwide also qualify as some of the more affordable Connecticut insurance companies.

As depicted above, if you have coverage with Nationwide and switched to Travelers, you could realize an annual premium reduction of roughly $300. Insureds with Unitrin might save as much as $393 a year, and State Farm customers might cut rates by $434 a year.

To find cheap insurance for drivers with a DUI in Connecticut, click here to get quotes or quote prices from the following companies.

It’s important to note that these premiums are averages across all types of drivers and the different vehicles they drive and are not factoring in a rate increase for drivers with a DUI. So the auto insurance company that is best for you may not even be shown in the list above. That point stresses why you need to compare as many prices as possible using your own personal information and vehicle type.

How accidents and violations affect rates in Connecticut

The common sense way to get low auto insurance premiums after getting a DUI is to pay attention while driving and avoid getting tickets or having accidents. The diagram below demonstrates how traffic citations and at-fault accidents raise yearly insurance costs for each age group. The data assumes a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

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In the chart above, the average cost of an auto insurance policy per year with no accidents and a clean driving record is $2,074. Factor in one speeding ticket and the average cost rises to $2,413, an increase of $339 each year. Then add two accidents along with the one speeding ticket and the yearly cost of auto insurance for drivers with a DUI increases to an average of $5,261. That’s an increase of $3,187, or $266 per month, just for not maintaining a clean driving record!

Get discount Connecticut auto insurance

Insurers that provide cheap insurance for drivers with a DUI in Connecticut may also offer price discounts that may potentially lower prices by as much as 30% if you meet specific criteria. Popular auto insurance companies and their possible discounts can be found below.

• Progressive has discounts for multi-vehicle, good student, continuous coverage, online signing, multi-policy, homeowner, and online quote discount.
• MetLife offers premium reductions for accident-free, claim-free, good driver, defensive driver, multi-policy, and good student.
• Mercury Insurance may have discounts that include location of vehicle, ease of repair, professional/association, annual mileage, anti-theft, and good driver.
• Nationwide includes discounts for anti-theft, multi-policy, easy pay, Farm Bureau membership, accident-free, and family plan.
• GEICO discounts include military active duty, multi-policy, multi-vehicle, defensive driver, and good student.
• AAA may include discounts for good driver, multi-policy, good student, multi-car, education and occupation, and AAA membership discount.

The illustration below illustrates the comparison of insurance costs with and without some available policy discounts. The rate quotes are based on a male driver, no accidents and three traffic tickets, Connecticut state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with homeowner, paperless filing, multiple policy, continuous coverage, paid-in-full, and passive restraint discounts applied. When discounts are applied, the average savings per year on auto insurance for drivers with a DUI is 28% or $600.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3155,2263],[‘Age 30’, 1997,1445],[‘Age 40’, 1963,1415],[‘Age 50’, 1855,1339],[‘Age 60’, 1821,1317],[‘Age 70’, 2097,1507]]);var options = {title: ‘Effect of Discounts on Insurance Price for Drivers with a DUI’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Connecticut’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Who has the cheapest insurance quotes after getting a DUI?

There are quite a few ways to get cheap auto insurance quotes in Connecticut, but the most prevalent methods are using an independent or non-exclusive agent, a captive (or exclusive) agency like Liberty Mutual or State Farm, or direct from companies such as Geico or Progressive. Each way has the same basic steps, but each is different in how they provide price quotes.

Independent insurance agencies have contracts with multiple insurance companies and can get rate quotes from each one. These types of agents are not employed by only one company and can provide you with more rate quotes, which may provide you with a better chance of saving money. If premiums increase, your policy can be moved which makes it easier to save money.

A captive or exclusive agent is ‘exlusive’ to one insurance company, two examples being Allstate or Farmers Insurance agents. Exclusive agents normally do not have the ability to provide rates from more than one company, so if finding the cheapest auto insurance is your goal, you will want to shop around.

Buying from a direct company means bypass local agents and buy from a direct company like Geico or Esurance. Shopping direct may be a decent choice consumers who do not need high levels of coverage and have knowledge of what auto insurance covers and what it doesn’t.

So which of those three methods works best to buy cheap insurance for drivers with a DUI in Connecticut? The obvious answer would be buying from a direct company saves the most money since it doesn’t require paying agent commissions, but unfortunately, that is not the case. An argument could also be made that going through an independent agent can save the most money since they have access to many companies, but again, it’s not necessarily true. And occasionally, the exclusive agents may have very competitive prices well below independent agents AND direct companies.

Since auto insurance rates vary so much, the best method to get the lowest rate is to get quotes and compare. Industry experts recommend getting rate quotes from all three to get an idea of which is cheapest. A great place to start is our list of online companies offering discounts: click here to view.