Cheapest Car Insurance for Drivers with Accidents in Connecticut
Enter your Connecticut zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 14, 2019
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The type of vehicle requiring insurance is probably the most important factor when shopping for the cheapest insurance for drivers with accidents. Vehicles with higher performance, a lack of advanced safety features, or a history of substantial liability claims will cost substantially more to insure than safer, lower-performance models. The next table presents insurance costs for the most budget-friendly vehicles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$2,138|
|Honda CR-V EX 2WD||$2,144|
|Ford Escape XLS 4WD||$2,171|
|Chevrolet Traverse LS AWD||$2,208|
|Hyundai Tucson GLS 2WD||$2,355|
|Chevrolet Silverado LS Regular Cab 4WD||$2,363|
|Ford Explorer XLT 4WD||$2,390|
|Ford Edge SEL 2WD||$2,405|
|Dodge Grand Caravan CV||$2,421|
|Chevrolet Impala LS||$2,539|
|Toyota RAV4 Limited 2WD||$2,541|
|Jeep Grand Cherokee Laredo 4WD||$2,549|
|Subaru Forester XT Limited Edition AWD||$2,543|
|Ford Focus SES 4-Dr Sedan||$2,549|
|Volkswagen Jetta 2.0T Station Wagon||$2,561|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$2,576|
|Honda Odyssey EX-L W/Navigation||$2,578|
|Toyota Sienna LE||$2,587|
|Jeep Wrangler Unlimited Sport 4WD 4-Dr||$2,592|
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Data variables include married male driver age 40, no speeding tickets, two at-fault accidents, $500 deductibles, and Connecticut minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Premium amounts do not factor in specific Connecticut garaging location which can influence premiums noticeably.
By looking at the data, makes and models like the Hyundai Elantra, Honda CR-V, Ford Escape, and Chevrolet Traverse will definitely be some of the most affordable vehicles to insure for drivers with at-fault accidents. The price for an auto insurance policy will be more costly just due to the fact that there is more claim exposure for drivers with accidents, but generally speaking those vehicles will have the best insurance prices compared to all other vehicles.
For drivers with at-fault accidents, one of the more important considerations that auto insurance companies use to calculate the price of your policy is where you normally keep your vehicle. Densely populated urban areas like Bridgeport, New Haven, and West Haven tend to have higher auto insurance costs, whereas areas with less people or fewer weather incidents have the luxury of the cheapest car insurance for drivers with accidents in Connecticut.
The information below lists the most expensive areas in Connecticut for drivers with accidents to buy auto insurance in.
|Rank||City||Average Per Year|
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Price information shown is estimated as vehicle location can raise or lower rates substantially.
Establishing which companies offer the best auto insurance rates for drivers with accidents will require a bit more effort in order to find the best price. Each auto insurer has a different process to set premium rates, so to begin we’ll rank the overall cheapest auto insurance companies in Connecticut.
It’s important to understand that Connecticut auto insurance rates are based on many factors that can increase the cost of having a policy. Simply turning a year older, moving to a new city, or getting a reckless driving citation can trigger rate changes resulting in some companies being affordable when they were higher priced.
Utica National may offer some of the best car insurance rates in Connecticut at around $975 per year. Travelers, Amica, USAA, and Nationwide also rank well as some of the lowest-priced Connecticut car insurance companies.
In the above rates, if you have coverage with Travelers and switched to Utica National, you may realize annual savings of approximately $150. Drivers with Amica may save as much as $245 a year, and USAA insureds might see rate reductions of $259 a year.
To get a fast rate comparison, click here to begin a quote or visit any of the companies below.
Enter your zip code below to view companies that have cheap auto insurance rates.
Be aware that those estimates are averages for all drivers and vehicles and and are not calculated with a rate surcharge for drivers with accidents. So the auto insurance company that is best for you may not even be featured in the list of companies above. That illustrates why you need to get rate quotes using your own driver information and specific vehicle type.
Which major car insurance company is best?
If you are shopping around for car insurance for drivers with at-fault accidents in Connecticut, the four most popular companies are Allstate, State Farm, Geico, and Progressive. Each one has unique coverages that may influence your buying decision. The table below points out some of the different options and features that are available for customers.
|Percent of U.S. market||10%||18.3%||11.4%||8.8%|
|Customers who recommend||86%||88%||87%||88%|
|A.M. Best financial rating||A+||A++||A++||A+|
|Standard & Poor’s rating||AA-||AA||AA+||AA|
|Emergency roadside assistance||Yes||Yes||Yes||Yes|
|Accident forgiveness coverage||Yes||No||Yes||Yes|
|New car replacement insurance||Yes||No||No||No|
|Rate for vehicle usage||Yes||Yes||No||Yes|
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