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Connecticut SR-22 & High-Risk Auto Insurance

Connecticut requires SR-22 filing for DUI convictions, license suspensions, and serious traffic violations. The filing lasts 3 years and costs $15–$50, but high-risk premiums range from $2,200–$5,400 annually depending on violation type and driving history.

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Updated March 2026

State Requirements

Connecticut requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. Uninsured motorist coverage matching liability limits is also mandatory. SR-22 filing is triggered by DUI convictions, operating without insurance, accumulating excessive points, or license suspensions due to serious violations. The Connecticut DMV monitors SR-22 compliance continuously and will suspend driving privileges if coverage lapses during the required 3-year period.

Cost Overview

High-risk auto insurance in Connecticut costs significantly more than standard market rates due to violation type, driving history length, and non-standard carrier risk pricing. A DUI conviction typically increases premiums by 80–140% compared to a clean record, while multiple violations or an SR-22 requirement can push annual costs above $5,000. Rates decline as violations age off your record—most insurers review driving history over the past 3–5 years.

Minimum Liability + SR-22
State minimum 25/50/25 liability plus mandatory UM coverage with SR-22 filing. Typical for drivers with a single DUI or license suspension who need the lowest legal premium to maintain reinstatement.
Enhanced Liability
Higher liability limits (50/100/50 or 100/300/100) with UM/UIM coverage. Recommended for high-risk drivers with assets to protect or multiple at-fault accidents.
Full Coverage + SR-22
Comprehensive and collision added to enhanced liability, typically required if financing a vehicle. Non-standard carriers may impose higher deductibles ($1,000–$2,500) and surcharge for DUI or violation history.

What Affects Your Rate

  • Violation type—DUI carries higher surcharges than speeding or at-fault accidents
  • Time since violation—rates decrease as offenses age beyond 3 years
  • SR-22 filing status—adds administrative fees and limits carrier options
  • Prior insurance lapses—even a 1-day gap during SR-22 restarts the 3-year clock
  • Credit-based insurance score—Connecticut allows credit as a rating factor, which disproportionately affects non-standard applicants
  • ZIP code—urban areas like Hartford and Bridgeport see higher rates due to accident frequency and uninsured driver density

Compare Auto Insurance Rates in Connecticut

Coverage Options

Find Your City in Connecticut

Bridgeport, Connecticut cityscape and street view

Bridgeport

urban
Stamford, Connecticut cityscape and street view

Stamford

urban
New Haven, Connecticut cityscape and street view

New Haven

urban
Hartford, Connecticut cityscape and street view

Hartford

urban
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Waterbury

urban
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Norwalk

suburban
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Danbury

suburban
Large red brick institutional buildings with white trim and cupolas arranged around a courtyard with parked cars

New Britain

urban

Frequently Asked Questions

Sources

  • Connecticut Department of Motor Vehicles - SR-22 Requirements and Reinstatement Procedures
  • Connecticut Insurance Department - Minimum Coverage Requirements
  • Connecticut General Statutes § 14-112 - Financial Responsibility and Insurance
  • Industry rate data for high-risk driver profiles in Connecticut (2024)

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