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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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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated May 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.

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$25,000/$50,000/$25,000
Liability Insurance
Covers injuries and property damage you cause to others. Connecticut's 25/50/25 minimums are low for high-risk drivers—a serious at-fault accident can exceed these limits, leaving you personally liable for the difference. Most non-standard carriers recommend at least $50,000/$100,000/$50,000 to reduce exposure, especially if you're already facing elevated premiums from a DUI or violation.
Minimum state liability + UM
SR-22 Insurance
SR-22 is not a separate insurance type—it's a certificate your insurer files with the Connecticut DMV proving you carry at least minimum required coverage. You must maintain continuous coverage without any lapses for 3 years after a qualifying offense. Filing fees range from $15–$50 depending on carrier, but the real cost comes from high-risk premiums that can double or triple your baseline rate.
$25,000/$50,000 minimum
Uninsured Motorist Coverage
Connecticut mandates UM coverage matching your liability limits unless you reject it in writing. For high-risk drivers, this is critical—if you're hit by an uninsured driver while carrying SR-22, you cannot let your policy lapse even while pursuing a claim. UM coverage protects you without jeopardizing your reinstatement timeline.
Optional but recommended
Underinsured Motorist Coverage
Covers the gap when an at-fault driver's liability limits are insufficient to pay your damages. Connecticut does not require UIM, but high-risk drivers should consider it—if you're injured in an accident and cannot work, letting your SR-22 policy lapse to save money will restart your entire 3-year filing requirement.
Required if financing vehicle
Collision and Comprehensive
Collision covers damage to your vehicle in an at-fault accident; comprehensive covers theft, vandalism, weather, and animal strikes. If you have a loan or lease, your lender requires both. High-risk drivers in non-standard markets may face higher deductibles ($1,000–$2,500) and limited vehicle eligibility, especially for older or modified cars.
State-Mandated Minimum Coverage · Connecticut

Connecticut Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000

License Reinstatement Fee$175

Meeting the state minimum keeps you legal. See whether it's enough — get your Connecticut quote.

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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.

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
Minimum Liability + SR-22
$185–$350/mo
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
$250–$425/mo
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
$300–$550/mo
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.

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Coverage Types

SR-22 Insurance

Certificate filed by your insurer proving you carry Connecticut's minimum required coverage. Required for DUI, uninsured operation, serious violations, or license suspension.

Liability Insurance

Covers bodily injury and property damage you cause to others. Connecticut's 25/50/25 minimums leave high-risk drivers exposed to personal liability if a serious accident exceeds limits.

Uninsured Motorist Coverage

Mandatory in Connecticut at limits matching your liability coverage. Protects you if hit by a driver with no insurance or a hit-and-run.

Non-Standard Auto Insurance

Coverage designed for drivers standard carriers decline due to DUIs, violations, lapses, or SR-22 requirements. Premiums are higher but acceptance criteria are more flexible.

Full Coverage (Collision + Comprehensive)

Protects your own vehicle for accidents, theft, weather, and other damage. Required if you finance or lease, optional if you own outright.

High-Risk Reinstatement

Process of obtaining SR-22 coverage, paying DMV reinstatement fees, and restoring driving privileges after suspension. Requires proof of insurance filed electronically by your carrier.

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
Misty forest with moss-covered trees, ferns, and fallen logs in atmospheric lighting

Waterbury

urban
Historic downtown street at sunset with red brick buildings, colorful sky, and warm street lighting

Norwalk

suburban
White wooden fence curving along autumn hillside with fallen leaves and colorful fall trees

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

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