How Much are Car Insurance Quotes for Drivers with Accidents in Connecticut?

The words “bargain” and “insurance” probably shouldn’t be used in the same sentence, especially when trying to find the best car insurance rates for drivers with accidents. Because it’s so expensive, let’s familiarize you with a few of the factors that impact car insurance prices, and see if you can reduce the price of your next policy.

Figuring out which companies offer the lowest-priced insurance rates for drivers with accidents will require a little more sweat than just comparing rates from one or two companies. Every insurance company has a unique approach to determine premium rates, so to begin we’ll rank the most budget-friendly insurance companies in Connecticut.

Best Insurance Companies for Accident Prone Drivers

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Utica National may offer some of the most affordable car insurance rates in Connecticut at around $965 annually. Travelers, Amica, USAA, and Nationwide are also some of the most economical Connecticut car insurance companies.

As illustrated above, if you currently have coverage with Nationwide and switched to Travelers, you could earn an annual savings of upwards of $266. Customers with Unitrin could save as much as $359 a year, and State Farm policyholders might realize rate reductions of up to $400 a year.

It’s important to note that these premium estimates are averaged for all types of drivers and the different vehicles they drive and are not factoring in a price surcharge for drivers with accidents. So the car insurance company that fits your situation best may not even be included in the list of companies above. That helps illustrate why you need to get car insurance quotes using your own driver and vehicle profiles.

Cost and performance of the vehicle to be insured is one of the main factors when comparing quotes for cheap insurance for drivers with accidents in Connecticut. Vehicles with more horsepower, poor safety ratings, or an increased likelihood of liability claims will cost substantially more to insure than safer, lower-performance models.

The next lists showcases auto insurance costs for a selection of the most cost-effective automobiles to buy insurance for.

Premium data assumes single male driver age 40, no speeding tickets, two at-fault accidents, $1000 deductibles, and Connecticut minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in Connecticut location which can change rates greatly.

Data rating is based on single male driver age 40, no speeding tickets, two at-fault accidents, $1000 deductibles, and Connecticut minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in vehicle garaging location which can impact rates considerably.

Data variables include single male driver age 40, no speeding tickets, two at-fault accidents, $1000 deductibles, and Connecticut minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Rate information does not factor in specific garaging location which can modify rates significantly.

Discounts on Connecticut insurance rates

Insurance companies that sell cheap insurance for drivers with accidents in Connecticut may have rate discounts that could potentially reduce rates by as much as 30% if you are eligible for them. A list of companies and some of the premium reductions they offer include:

The example below illustrates the comparison of car insurance rates with and without discounts applied to the premium. The premium estimates are based on a male driver, no citations and two at-fault accidents, Connecticut state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with marriage, anti-theft, paperless filing, multiple policy, vehicle safety, and passive restraint discounts applied. When these discounts are applied to the policy premium, the average savings per year on insurance for drivers with accidents is 34% or $539.

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Which insurance company is best in Connecticut?

Buying coverage from the best company is hard considering how many choices drivers have in Connecticut. The company information listed below can help you choose which auto insurers you want to consider comparing price quotes from.

The ratings below include companies with a nationwide focus, so companies that focus mainly on Connecticut business will not be included in these rankings. If you’d like to compare prices from these top insurers and more, follow this link.

Top 10 Major Auto Insurance Companies in Connecticut Ranked by Customer Service

1. The Hartford
2. American Family
3. Progressive
4. GEICO
5. USAA
6. State Farm
7. Travelers
8. Farmers Insurance
9. Allstate
10. Safeco Insurance

Top 10 Major Auto Insurance Companies in Connecticut Ranked by Claims Service

1. Progressive
2. USAA
3. Liberty Mutual
4. GEICO
5. State Farm
6. Nationwide
7. Allstate
8. The General
9. 21st Century
10. The Hartford