Connecticut Car Insurance with a DUI

If you are found guilty of DUI in Connecticut, your car insurance will be more expensive — it's a matter of by how much.


How does a DUI influence car insurance in Connecticut?


In Connecticut, a DUI conviction will boost your annual car insurance premium by an average of $1,174. That is 6% more than the U.S. mean premium increase after a DUI.


CAR INSURANCE AFTER A DUI IN CONNECTICUT — AVERAGE ANNUAL PREMIUM
LocationAvg. Annual Rate — no DUIAvg. Annual Rate — with DUIAvg. Increase After DUI
Connecticut$1,696$2,870+69%
United States$1,548$2,556+65%

How to find car insurance in Connecticut after a DUI


Getting inexpensive car coverage after a DUI conviction is far from an easy task. In fact, a DUI generally results in a larger rate increase than any single driving violation — more than reckless driving, racing, or an at-fault accident.


Best car insurance after a DUI in Connecticut

If you're convicted of a DUI or DWI offense in Connecticut, it is critical to examine all your insurance options carefully. Car insurance rates in the wake of a DUI often fluctuate substantially depending on the insurer. For instance, the cheapest car insurer with a DUI in Connecticut, State Farm, offers annual prices 52% more affordable than the statewide average insurance premium after a DUI violation. The second-cheapest insurer for auto insurance with a DUI in Connecticut is Progressive, while the most expensive firm is Amica, with premiums 94% above the mean.


AUTO INSURANCE RATES AFTER A DUI IN CONNECTICUT — BY COMPANY
Insurance CompanyAvg. Annual Rate — After DUI
State Farm$1,382
Progressive$2,337
GEICO$2,380
Liberty Mutual$2,858
Allstate$3,725

There is no auto insurance company in particular that offers low-cost DUI car insurance. The recommended way to limit your losses after a DUI violation is to shop around.

Compare auto insurance policies online or contact your insurance agent to weigh the choices and find a suitable option.

Learn more about car insurance and DUIs.

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Connecticut DUI laws

Driving under the influence is also called “operating under the influence,” or OUI, in the state of Connecticut.

In Connecticut, you're considered to be DUI/OUI when your blood alcohol concentration reads 0.08% or higher. The BAC limit for commercial drivers is 0.04%. Those under 21 years old are considered DUI if their BAC reads 0.02% or higher.


DUI penalties in Connecticut

First-time DUI convictions are usually considered misdemeanors in Connecticut. Connecticut's lookback period is 10 years, so multiple DUI offenses within this period will result in stricter penalties. Second and subsequent DUI convictions within the lookback period are often treated as felonies.

First-time DUI offenses in Connecticut are:

  • Two days to six months in jail
  • $500 to $1,000 in fines
  • 45-day license suspension
  • Requirement to install and use an interlock ignition device for six months

Those with first-time DUI offenses may be able to have their charge dismissed by attending an alcohol education program, if allowed by the court. Successfully completing this program will be in lieu of a first-time DUI offense, though DMV records will instead show attendance in the program.

A second-time DUI/OUI offense in Connecticut leads to:

  • 120 days to two years in jail
  • $1,000 to $4,000 in fines
  • 45-day license suspension
  • Requirement to install and use an IID for one year

A third DUI offense in Connecticut will result in:

  • One to three years in jail
  • $2,000 to $8,000 in fines
  • Permanent license revocation

In all cases, a BAC over 0.16% amplifies the severity of penalties, fines, and jail time you will face.


DUI penalties for underage drinkers in Connecticut

Drivers under 21 years old and with a BAC reading of 0.02% or higher are considered OUI in Connecticut.

First-time underage OUI offenders are subject to:

  • Up to six months in jail
  • $500 to $1,000 in fines
  • 45-day license suspension
  • Requirement to install and use an IID for one year

A second underage OUI offense leads to:

  • 120 days to two years in jail
  • $1,000 to $4,000 in fines
  • 45-day license suspension
  • Requirement to install and use an IID for three years

A third underage OUI offense results in:

  • One to three years in jail
  • $2,000 to $8,000 in fines
  • Permanent license revocation

First-time underage OUI offenders may be able to attend an alcohol education program in lieu of an OUI charge. Dismissal of the charge requires successful completion of 10 to 15 sessions, fees between $550 and $750, and participation in a victim impact panel.

In addition, 16- and 17-year-old OUI offenders in Connecticut will have their license seized by the police when charged with an OUI. The license will be kept by the police for 48 hours and then automatically suspended. The minor's vehicle will also be towed at the minor's or parent's expense.

Sources and references:

https://www.ct.gov/dmv/cwp/view.asp?a=813&q=249562

https://dui.drivinglaws.org/conn.php

https://www.ruaneattorneys.com/connecticut-dui-defense/faq-dui-questions/

https://www.dmv.com/ct/connecticut/dui-dwi

https://www.dmv.org/ct-connecticut/automotive-law/dui.php

http://www.dui-usa.drinkdriving.org/Connecticut_dui_drunkdriving_laws.php

https://dui.drivinglaws.org/resources/dui-and-dwi/dui-laws-state/connecticut-underage-dui.htm

https://www.koffskyfelsen.com/Articles/DUI-Penalties-for-Underage-Drivers-in-Connecticut.shtml

Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com, and Kin Insurance.