Who Has Cheap Auto Insurance for Drivers with a Bad Driving Record in Connecticut?

Deciding which companies quote the cheapest auto insurance rates for drivers with a bad driving record calls for a little more sweat in order to find the best policy. Each insurer uses their own calculation to determine rates, so we need to take a look at the auto insurance companies that tend to have lower prices in Connecticut.

Best Auto Insurance Prices for Imperfect Drivers

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Utica National may have some of the most affordable car insurance rates in Connecticut at around $1,005 a year. Travelers, Amica, USAA, and Nationwide also make the cut as some of the more affordable Connecticut car insurance companies.

As the rates illustrate above, if you currently buy coverage from Amica and switched to Utica National, you might achieve savings of about $215. Policyholders with USAA could save as much as $253 a year, and Nationwide insureds might reduce rates by $392 a year.

Understand that those estimates are averaged for all ages of drivers and types of vehicles and do not take into consideration a price surcharge for drivers with a bad driving record. So the insurer that is most affordable for your situation may not even be featured in the above rate chart. That illustrates why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.

Cost and performance of the vehicle you are insuring is a significant factor that determines if you can find cheap auto insurance for drivers with a bad driving record in Connecticut. Vehicles with high performance engines, poor crash test ratings, or a high likelihood of having liability claims will cost significantly more to insure than safer models. The lists below showcases coverage prices for some of the cheapest automobiles to buy insurance for.

Table data represents single male driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and Connecticut minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Rate information does not factor in specific Connecticut garaging location which can increase or decrease rates substantially.

Data based on single male driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and Connecticut minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in Connecticut location which can alter premium rates substantially.

Data variables include single male driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and Connecticut minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Premium costs do not factor in garaging location in Connecticut which can alter prices significantly.

For bad drivers, one of the largest considerations that impact the annual cost of car insurance is the neighborhood you call home in Connecticut. Densely populated urban areas like Hartford, New Haven, and East Haven tend to have higher rates, whereas areas with lower crime rates and fewer weather claims have the benefit of cheap auto insurance for drivers with a bad driving record in Connecticut.

The information below lists the highest-priced areas in Connecticut for drivers with a bad driving record to purchase car insurance in.

Table data uses comparative as specific location information can revise premiums considerably.

The information below illustrates how choosing a deductible can affect insurance costs when trying to find cheap insurance for drivers with a bad driving record. The price estimates are based on a married male driver, comp and collision included, and no other discounts are factored in.

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In the chart above, a 40-year-old driver could lower rates by $240 a year by changing from a $100 deductible to a $500 deductible, or save $364 by switching to a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could potentially save up to $800 each year by choosing a larger deductible amount. When choosing a higher deductible, it is a good idea to have additional funds in a savings account to allow you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Safe drivers pay cheaper rates

The best way to receive cheap auto insurance for drivers with a bad driving record in Connecticut is to drive safely and not have accidents or get tickets. The diagram below highlights how traffic violations and at-fault claims can raise insurance prices for different ages of insureds. The rates are based on a single female driver, full coverage, $250 deductibles, and no discounts are factored in.

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 Two Accidents’],[‘Age 20’, 3405,3713,6389],[‘Age 30’, 2329,2639,5313],[‘Age 40’, 2167,2475,5149],[‘Age 50’, 1893,2203,4877],[‘Age 60’, 1833,2141,4817],[‘Age 70’, 2151,2457,5133]]);var options = {title: ‘Accidents, Violations, and Connecticut Auto Insurance Prices’,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);}

In the previous example, the average cost of a car insurance policy in Connecticut per year with a clean driving record and no accidents is $2,296. Receive one speeding ticket and the average cost swells to $2,605, an increase of $308 each year. Now include two accidents along with the one speeding ticket and the yearly cost of auto insurance for drivers with a bad driving record goes up to an average of $5,280. That’s an increase of $2,983, or $249 per month, just for not being a responsible driver!