How Much Does Car Insurance Cost for Drivers Requiring a SR22 in Connecticut?

When shopping for car insurance for high risk drivers, one of the many factors that affect auto insurance rates is where you call home in Connecticut. Urban areas that are densely populated like Hartford, Bridgeport, and West Haven likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of lower rates.

The following table illustrates the most expensive areas in Connecticut for drivers requiring a SR22 to purchase car insurance in.

Information shown are approximated as the specific area where the vehicle is garaged can affect prices substantially.

The vehicle on the policy is probably the most important factor when quoting the most economical auto insurance for drivers requiring a SR22. Vehicles with high performance, poor safety features, or a high likelihood of having liability claims will cost significantly more to insure than more economical and safe models.

The next list presents coverage premiums for a number of the cheaper vehicles to insure.

Above prices assume single female driver age 50, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Connecticut minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Price estimates do not factor in vehicle garaging location which can affect premiums greatly.

Looking at the numbers, you can expect vehicles like the Honda Accord, Chevrolet Traverse, Honda CR-V, Ford Escape, and Dodge Grand Caravan should be the most budget-friendly vehicles to insure for high risk drivers. Auto insurance rates will tend to be more expensive because there is more liability exposure for drivers requiring a SR22, but generally speaking those specific models will tend to have the lowest prices available.

Determining which company quotes the most affordable car insurance rates for drivers requiring a SR22 calls for more work in order to find a policy that fits your budget. Each insurer has their own unique process to set their prices, so let’s look at the rankings for the overall cheapest car insurance companies in Connecticut.

Best Auto Insurance Prices for SR22 Drivers

Compare Rates Today

Utica National generally has some of the lowest car insurance rates in Connecticut at around $965 annually. Travelers, Amica, USAA, and Nationwide would also be considered some of the more affordable Connecticut auto insurance companies.

As illustrated above, if you are currently insured with Travelers and switched to Utica National, you may see a yearly price reduction of about $172. Insureds with Amica might save as much as $255 a year, and USAA insureds might cut rates by $256 a year.

Bear in mind that those estimates are averaged across all types of insureds and vehicles and and are not figured with a rate increase for drivers requiring a SR22. So the company that can offer you the best rate may not even be featured in the list of companies shown earlier. That points out the importance of why you need to compare rates from as many companies as possible using your own personalized driver profile and vehicle information.

Car insurance rates are higher with tickets and accidents

A great way to enjoy the most affordable car insurance prices in Connecticut for high risk drivers is to be a good driver and avoid getting tickets or having accidents. The diagram below highlights how traffic violations and at-fault fender-benders can raise insurance rates for each different age category. The premiums are based on a married female driver, full coverage, $1,000 deductibles, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 1593,1779,2289],[‘Age 30’, 1097,1287,1797],[‘Age 40’, 1095,1281,1795],[‘Age 50’, 969,1153,1665],[‘Age 60’, 919,1105,1619],[‘Age 70’, 997,1185,1697]]);var options = {title: ‘Effect of Tickets and Claims on Connecticut Insurance Cost’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],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);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The chart shows that the average cost of auto insurance per year with no accidents and a clean driving record is $1,112. Get one speeding ticket and the average cost swells to $1,298, an increase of $187 each year. Now throw in one accident along with the one speeding ticket and the 12-month cost of car insurance for drivers requiring a SR22 increases to an average of $1,810. That’s an increase of $699, or $58 per month, just for being a little careless behind the wheel!