Best Car Insurance After a DUI in Connecticut (Top 10 Companies Ranked for 2024)
For best car insurance after a DUI in Connecticut, Progressive, State Farm, and Allstate offer excellent coverage beginning at just $99 monthly. These companies provide excellent rates while maintaining high quality, making them the best choices for reliable insurance in Connecticut to maximize your savings.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Nov 1, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Nov 1, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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17,759 reviewsCompany Facts
Full Coverage After a DUI in Connecticut
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
11,413 reviewsCompany Facts
Full Coverage After a DUI in Connecticut
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviews
If you’re searching for best car insurance after DUI in Connecticut, you’re in the right spot. Explore our top providers like Progressive, State Farm, and Allstate, with rates beginning as low as $99 per month.
If you have been convicted of a DUI (Driving Under the Influence) in Connecticut, you may be wondering how it will impact your car insurance rates. Read more below to know more.
Our Top 10 Company Picks: Best Car Insurance After a DUI in Connecticut
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 12% A+ Flexible Options Progressive
#2 17% B Comprehensive Coverage State Farm
#3 25% A+ Drivewise Programs Allstate
#4 20% A+ DUI Support Nationwide
#5 10% A+ Senior Advantage The Hartford
#6 14% A Custom Coverage Liberty Mutual
#7 15% A++ Discount Variety Travelers
#8 18% A Safe Driving American Family
#9 11% A Bundling Benefits Farmers
#10 13% A++ Affordable Rates Geico
This article explores the best full coverage car insurance options for drivers with a DUI in Connecticut, along with DUI-related insurance impacts, state laws, and tips to lower rates after a DUI. Enter your ZIP code now.
- Connecticut boasts attractive auto insurance rates
- Insurance providers offer discounts to help reduce premiums
- Residents have a wide range of coverage options to select from
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#1 – Progressive: Top Overall Pick
Pros
- Snapshot Program: Their usage-based insurance program rewards good driving habits, helping reduce premiums for those who want the best car insurance after a DUI in Connecticut.
- Strong Online Tools: App provide tools for claims, making it easier to access the best car insurance after a DUI in Connecticut. Check our Progressive insurance review & ratings for further details.
- Competitive Rates: Known for affordability, Progressive often offers lower premiums, which can be beneficial for those searching for the best car insurance after a DUI in Connecticut.
Cons
- Claims Handling Issues: Some users report dissatisfaction with the claims process, which could impact your experience when looking for the best car insurance after a DUI in Connecticut.
- Limited Local Agent Access: While they have agents, many transactions are handled online, which might not suit everyone seeking personal assistance for the best car insurance after a DUI.
#2 – State Farm: Best for Comprehensive Coverage
Pros
- Local Agents for Personalized Service: Network of local agents provides advice, beneficial for understanding the best car insurance after a DUI in Connecticut.
- Bundling Discounts: Offer substantial discounts for policies, which can help reduce costs, appealing to those seeking the best car insurance after a DUI in Connecticut.
- Educational Resources: State Farm provides resources to educate about insurances, helping them make decisions about the best car insurance after a DUI in Connecticut.
Cons
- Higher Premiums for High-Risk Drivers: Drivers may face higher rates compared to competitors, which can complicate finding the best car insurance after a DUI in Connecticut.
- Online Experience: Users find the online platform less intuitive, which may hinder policy management for the best car insurance after a DUI. Check out our State Farm insurance review & ratings.
#3 – Allstate: Best for Drivewise Programs
Pros
- Drivewise Rewards Program: Drivewise program offers cash back for safe driving, beneficial for individuals seeking the best car insurance after a DUI in Connecticut.
- Customizable Coverage Options: Allow customers to tailor policies to fit needs, which is crucial when seeking the best car insurance after a DUI in Connecticut.
- Customer Loyalty Discounts: Offers discounts for customers, rewarding loyalty for the best car insurance after a DUI. See more on our “How do I renew my car insurance policy with Allstate?”.
Cons
- Claims Process Complaints: Policyholders report dissatisfaction with the claims, which can affect their perception of the best car insurance after a DUI in Connecticut.
- Higher Base Rates: Premiums can be on the higher end, particularly for drivers with a DUI, complicating the search for the best car insurance after a DUI in Connecticut.
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#4 – Nationwide: Best for DUI Support
Pros
- SR-22 Assistance: Offers support for obtaining SR-22 forms, essential when looking for the best car insurance after a DUI in Connecticut. Read our Nationwide car insurance review to see more.
- Diverse Policy Options: Provide a variety of products, allowing for coverage that can suit needs when looking for the best car insurance after a DUI in Connecticut.
- Flexibility in Payments: Their payment plans make it easier for drivers to manage premiums, especially when seeking the best car insurance after a DUI in Connecticut.
Cons
- Potentially Higher Rates for High-Risk Drivers: Rates may be less competitive, making it a challenge to find the best car insurance after a DUI in Connecticut.
- Limited Availability in Certain States: Not all products are available nationwide, limiting options for drivers seeking the best car insurance after a DUI in Connecticut.
#5 – The Hartford: Best for Senior Advantage
Pros
- Strong Focus on Customer Satisfaction: High customer satisfaction ratings indicates commitment, essential when looking for the best car insurance after a DUI in Connecticut.
- Bundling Discounts: Provides savings for customers who bundle auto and home, advantageous when seeking the best car insurance after a DUI in Connecticut.
- Easy Claims Process: Claims process is designed to be easy, ensuring a smoother experience for those needing the best car insurance after a DUI in Connecticut.
Cons
- Limited Discounts for Young Drivers: May not offer as many discounts for drivers, complicating their search for the best car insurance after a DUI in Connecticut.
- Higher Initial Premiums: Users finds quotes higher, being a barrier when looking for the best car insurance after a DUI in Connecticut. Read more through our The Hartford review and ratings.
#6 – Liberty Mutual: Best for Custom Coverage
Pros
- Comprehensive Coverage Options: Liberty Mutual offers many coverage types, making it easier to find the best car insurance after a DUI in Connecticut.
- Strong Financial Ratings: Their solid financial standing ensures reliability when seeking the best car insurance after a DUI in Connecticut. Look more on our Liberty Mutual auto insurance review.
- User-Friendly Mobile App: Managing your policy through their app simplifies the process of finding the best car insurance after a DUI in Connecticut.
Cons
- Slow Claims Process: Some customers experience delays, which could hinder satisfaction when seeking the best car insurance after a DUI in Connecticut.
- Higher Premiums for High-Risk Drivers: Rates may be elevated for drivers with a DUI, complicating the search for affordable best car insurance after a DUI in Connecticut.
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#7 – Travelers: Best for Discount Variety
Pros
- Affordable Rates for High-Risk Drivers: Travelers offers competitive pricing, making it a top choice for the best car insurance after a DUI in Connecticut.
- Wide Variety of Discounts: Available discounts can help lower costs for those searching for the best car insurance after a DUI in Connecticut. Read through our Travelers insurance review.
- Comprehensive Coverage Options: They offer extensive coverage, ideal for those needing the best car insurance after a DUI in Connecticut.
Cons
- Limited Local Agents: Fewer in-person agents can be inconvenient for those wanting face-to-face help with the best car insurance after a DUI in Connecticut.
- Higher Premiums After Accidents: Drivers with recent claims may find rates rising, which affects the search for the best car insurance after a DUI in Connecticut.
#8 – American Family: Best for Safe Driving
Pros
- Flexible Payment Options: Payment plans are flexible, benefit for the best car insurance after a DUI. Read our article “Filing a Car Insurance Claim With American Family Insurance Company“.
- Good Discounts for Safe Driving: Safe driver programs can help offset the cost for those needing the best car insurance after a DUI in Connecticut.
- Friendly Customer Service: Positive customer experiences enhance their position as the best car insurance after a DUI in Connecticut.
Cons
- Limited Availability in Some Areas: Some regions have fewer options, limiting access to the best car insurance after a DUI in Connecticut.
- Higher Premiums for Younger Drivers: Rates tend to be higher for younger drivers, affecting the search for affordable best car insurance after a DUI in Connecticut.
#9 – Farmers: Best for Bundling Benefits
Pros
- Accident Forgiveness Program: Farmers’ accident forgiveness helps secure the best car insurance after a DUI in Connecticut. Learn through our Farmers insurance review.
- Strong Customer Support: Farmers is known for good customer service, making it a contender for the best car insurance after a DUI in Connecticut.
- Wide Range of Discounts: Various discounts make it more affordable when seeking the best car insurance after a DUI in Connecticut.
Cons
- Higher Rates After a DUI: Some drivers report increased premiums, complicating the search for the best car insurance after a DUI in Connecticut.
- Not the Cheapest Option: Their rates can be higher than some competitors when searching for the best car insurance after a DUI in Connecticut.
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#10 – Geico: Best for Affordable Rates
Pros
- Competitive Pricing: Geico often offers low rates, making it appealing for the best car insurance after a DUI in Connecticut.
- Quick Claims Process: Geico’s efficient claims handling supports those looking for the best car insurance after a DUI in Connecticut.
- Strong Financial Stability: Geico’s solid backing ensures reliability for the best car insurance after a DUI in Connecticut. Explore further details on our Geico auto insurance review.
Cons
- Few In-Person Agents: Geico’s lack of local agents can make it harder for drivers seeking personal assistance with the best car insurance after a DUI in Connecticut.
- Premiums Rise After a DUI: Geico’s rates for high-risk drivers can increase, impacting its appeal as the best car insurance after a DUI in Connecticut.
Understanding DUI and Its Implications on Car Insurance
A DUI, or Driving Under the Influence, represents a grave offense characterized by operating a vehicle while impaired by alcohol or drugs, with Connecticut deeming a blood alcohol concentration (BAC) of 0.08% or higher as illegal.
The repercussions of a DUI extend beyond the immediate legal penalties; even a first offense can trigger profound consequences, such as license suspension pending case resolution, which bars individuals from legally driving.
Connecticut DUI Car Insurance Monthly Rates by Provider and Coverage Level
Insurance Company Minimum Coverage Full Coverage
$146 $283
$107 $207
$109 $210
$121 $234
$137 $264
$100 $194
$79 $153
$51 $99
$190 $340
$185 $152
Once convicted, this offense remains on the driver’s record indefinitely, leading to a permanent mark that insurance companies view as a significant risk indicator.
This can be particularly challenging for seniors, who may already face higher car insurance premiums due to factors like age and health. As such, navigating car insurance for seniors can become even more complicated following a DUI.
Connecticut After A DUI Report Card: Car Insurance Premiums| Category | Grade | Explanation |
|---|---|---|
| Weather-Related Risks | A | Minimal impact from weather risks |
| Vehicle Theft Rate | B+ | Low theft rates, moderate impact |
| Average Claim Size | B | Claims are higher post-DUI |
| Uninsured Drivers Rate | C+ | Slightly above average uninsured rate |
| Traffic Density | C | High urban traffic raises accident risk |
The aftermath of a DUI conviction often results in dramatically increased car insurance premiums, with some drivers facing rates that double or even triple. Enter your ZIP code now to begin.
Connecticut DUI Laws and Penalties
Connecticut has strict laws regarding DUI offenses, and understanding these regulations is crucial for all drivers. One important aspect to consider is how a DUI conviction can impact your full coverage auto insurance rates.
Connecticut After A DUI Accidents & Claims per Year by City| City | Accidents per Year | Claims per Year |
|---|---|---|
| Bridgeport | 150 | 120 |
| Danbury | 110 | 90 |
| Hartford | 140 | 115 |
| Meriden | 100 | 80 |
| New Britain | 105 | 85 |
| New Haven | 135 | 110 |
| Norwalk | 120 | 95 |
| Stamford | 130 | 105 |
| Waterbury | 125 | 100 |
| West Haven | 95 | 75 |
Having full coverage auto insurance can protect you financially in case of accidents or legal fees stemming from a DUI, but a conviction may lead to higher premiums or even difficulty obtaining coverage.
Being informed about the state’s DUI penalties can help you navigate the potential consequences for both your driving record and your insurance needs.
Car Insurance Discounts from the Top Providers for After a DUI in Connecticut| Insurance Company | Available Discounts |
|---|---|
| Safe Driving, Anti-Theft Device, Bundling, New Car, Paperless, Pay-In-Full, Early Signing, Responsible Payer |
| Bundling, Loyalty, Steer Into Savings, Auto Safety Equipment, Low Mileage, Defensive Driving |
| Bundling, Safe Driver, Homeowner, Alternative Fuel, Signal® Program, Paperless Billing |
| Multi-Vehicle, Good Driver, Anti-Theft, Defensive Driving, Air Bag, Daytime Running Lights, Seat Belt Use |
| Bundling, Vehicle Safety Features, Hybrid Vehicle, Online Purchase, Paperless, Preferred Payment Methods |
| Bundling, Safe Driver, Anti-Theft, Paperless, Defensive Driving, Accident-Free, Pay-In-Full |
| Bundling, Snapshot®, Good Student, Homeowner, Continuous Insurance, Online Quote, Paperless |
| Drive Safe & Save™, Good Driver, Anti-Theft, Bundling, Multiple Vehicles, Defensive Driving |
| Defensive Driver, Vehicle Safety Features, Bundle And Save, Pay-In-Full, Anti-Theft, AARP Member |
| Bundling, Safe Driver, Continuous Insurance, Hybrid Vehicle, New Car, Early Quote, Good Payer |
Driving under the influence (DUI) is a serious offense in Connecticut, and the state has implemented stringent measures to deter individuals from operating a motor vehicle while impaired. These laws aim to protect public safety and prevent accidents caused by intoxicated drivers.
5 Common Car Insurance Claims After a DUI in Connecticut| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Bodily Injury | 35% | $18,000 |
| Property Damage | 25% | $12,500 |
| Collision Damage | 20% | $10,000 |
| Comprehensive Claims | 10% | $8,000 |
| Legal Defense | 10% | $7,500 |
In Connecticut, it is illegal to drive a motor vehicle with a blood alcohol concentration (BAC) of 0.08% or higher. This legal limit is set to ensure that drivers are not impaired by alcohol, which can significantly affect their ability to operate a vehicle safely.
These tests may include breathalyzer tests, which measure the alcohol content in a person’s breath, or blood tests, which provide a more accurate assessment of a driver’s BAC level.
The penalties for a DUI offense in Connecticut can vary depending on several factors, including whether it is a first offense or a subsequent offense, the driver’s age, and the presence of aggravating factors such as high BAC levels or accidents.
It is essential to consult with a knowledgeable attorney who specializes in DUI cases to understand the specific penalties you may face based on your circumstances.
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Evaluating Car Insurance Companies for Drivers with a DUI
When searching for car insurance after a DUI conviction, it is essential to evaluate companies that specialize in providing coverage for high-risk drivers. Some insurance companies are unwilling to insure drivers with a DUI on their record, while others may charge significantly higher premiums.
This is where insurance company reviews and ratings come into play, as they can help you identify which insurers are more accommodating to your situation.
Choosing an insurance provider with solid financial standing is crucial to ensure they can fulfill their obligations in the event of an accident or claim. A financially stable company will have the resources to handle any claims efficiently and promptly, giving you peace of mind.
Connecticut After a DUI Report Card: Car Insurance Discounts| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Bundling | A | 20% | Allstate, Geico, Liberty Mutual, Farmers |
| Pay-In-Full | A | 18% | Farmers, Progressive, Liberty Mutual |
| Defensive Driving | A- | 15% | Travelers, Nationwide, The Hartford |
| Low Mileage | B+ | 12% | Safeco, USAA, Geico |
| Vehicle Safety Features | B+ | 10% | The Hartford, Liberty Mutual, Nationwide |
| Safe Driver | B | 10% | State Farm, Progressive, Nationwide |
| Paperless Billing | B | 5% | Geico, Allstate, Liberty Mutual, State Farm |
| Accident-Free | C+ | 8% | USAA, Travelers, Progressive |
Another key factor to consider is the customer service reputation of the insurance company. Dealing with a DUI conviction can be a stressful experience, and having a supportive and responsive insurance provider can make a significant difference.
Look for companies that are known for their excellent customer service, as they will be more likely to assist you throughout the claims process and address any concerns or questions you may have.
When it comes to coverage options, it is crucial to find an insurance company that offers policies tailored to high-risk drivers. After a DUI conviction, you may face higher insurance requirements, such as increased liability coverage.
Brad Larson
Licensed Insurance Agent
Pricing is another essential factor to consider when evaluating car insurance companies for drivers with a DUI. After a DUI conviction, you can expect your insurance premiums to increase significantly. However, different insurance companies may have varying rates for high-risk drivers.
It is worth obtaining quotes from multiple companies to compare prices and find the most affordable option without compromising coverage. Utilizing insurance company reviews and ratings can further aid your decision-making process by highlighting the experiences of other customers in similar situations. Enter your ZIP code now to begin.
Frequently Asked Questions
What is the minimum car insurance requirement for drivers with a DUI in Connecticut?
In Connecticut, drivers with a DUI are required to carry minimum liability insurance coverage of at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage.
Will my car insurance rates increase after getting a DUI in Connecticut?
Yes, getting a DUI in Connecticut will likely result in a significant increase in your car insurance rates. Insurance companies consider DUI convictions as high-risk behavior, and as a result, your premiums are likely to rise. Enter your ZIP code now to begin.
How long will a DUI affect my car insurance rates in Connecticut?
A DUI conviction can raise your car insurance rates in Connecticut for three to five years. Understanding what happens if you get a DUI? It can classify you as a high-risk driver, complicate coverage options, and may require an SR-22 certificate, increasing costs further.
Can I still get car insurance after a DUI in Connecticut?
Yes, you can still get car insurance after a DUI in Connecticut. However, finding an insurance provider who is willing to cover you may be more challenging. Some companies specialize in providing insurance for high-risk drivers, so it’s advisable to explore those options.
Are there any discounts available for drivers with a DUI in Connecticut?
While it’s unlikely to find specific discounts for drivers with a DUI in Connecticut, some insurance companies may offer discounts for completing defensive driving courses or installing ignition interlock devices.
It’s best to check with individual insurance providers for any available discounts. Enter your ZIP code now to begin.
What makes Travelers a competitive option for the best car insurance after a DUI in Connecticut?
Travelers offers competitive rates and a variety of coverage options, including personal liability insurance, making it appealing for those seeking the best car insurance after a DUI in Connecticut.
Their strong customer service reputation further enhances their attractiveness for policyholders.
How does American Family’s specialized coverage benefit drivers with a DUI in Connecticut?
American Family provides specialized coverage and resources aimed at drivers with DUIs, which can be particularly beneficial in navigating increased risks. This tailored approach helps ensure adequate protection for those affected by a DUI.
What discounts does Farmers offer for drivers looking for the best car insurance after a DUI in Connecticut?
Farmers offers various discounts, including for bundling policies and safe driving courses, which can help lower premiums for the best car insurance after a DUI in Connecticut.
These savings can significantly reduce costs for drivers facing higher rates due to a DUI. Enter your ZIP code now to begin.
Why might Geico’s app be beneficial for managing the best car insurance after a DUI in Connecticut?
Geico’s mobile app allows for easy management of policies and claims, making it a convenient choice for those needing the best car insurance after a DUI in Connecticut.
This accessibility helps drivers stay informed about their insurance needs. Additionally, small claims court links to each state can provide guidance for individuals addressing disputes related to their insurance claims.
What are the potential drawbacks of choosing Farmers for the best car insurance after a DUI in Connecticut?
A potential drawback of choosing Farmers for the best car insurance after a DUI in Connecticut is that their rates may be higher compared to competitors. Additionally, some customers report a less favorable claims process, which could be a concern for drivers with DUIs.
Enter your ZIP code below to compare cheap insurance rates.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.