1. States
  2. Connecticut
  3. Cheapest Car Insurance for Drivers with Accidents

Cheapest Car Insurance for Drivers with Accidents in Connecticut

Enter your Connecticut zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Nov 14, 2019

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

Cheapest Auto Insurance Rates for Drivers with Accidents in Connecticut
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
Toyota Prius $2,359
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
Compare Rates Now Go

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.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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.

Most expensive Connecticut cities for auto insurance
Rank City Average Per Year
1 Bridgeport $2,027
2 Hartford $2,024
3 New Haven $1,998
4 Waterbury $1,966
5 West Haven $1,888
6 East Haven $1,828
7 East Hartford $1,777
8 Shelton $1,706
9 Milford $1,704
10 Trumbull $1,683
11 Stratford $1,663
12 Naugatuck $1,649
13 New Britain $1,646
14 West Hartford $1,639
15 Stamford $1,633
16 Meriden $1,605
17 Middletown $1,593
18 Newington $1,577
19 Norwalk $1,570
20 Bristol $1,567
21 Manchester $1,535
22 Danbury $1,524
23 New London $1,491
24 Torrington $1,484
25 Norwich $1,465
Find Cheaper Rates Go

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.

Enter your zip code below to view companies that have cheap auto insurance rates.

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.

Top U.S. Auto Insurance Company Ratings
Allstate State Farm Geico Progressive
Price Rank 4th 2nd 1st 3rd
Claims Handling 1st 2nd 3rd 4th
Discounts Available 1st 3rd 2nd 4th
Customer Satisfaction 2nd 4th 1st 3rd
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
Breakdown insurance No No Yes Yes
New car replacement insurance Yes No No No
Rideshare insurance Yes Yes Yes Yes
Rate for vehicle usage Yes Yes No Yes
Get Quotes Go

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles