Connecticut SR-22 & High-Risk Auto Insurance
Connecticut requires 25/50/25 liability coverage and is an at-fault state.
Get SR-22 Quotes NowConnecticut at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
$175
State license reinstatement fee, about 10 days to process
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
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.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Underinsured Motorist Coverage
Collision and Comprehensive
Cost Overview
$31–$88/mo
Typical monthly rate in Connecticut, non-owner policies
Rate data: Insure.com and MoneyGeek, 2026
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
Get Your SR-22 Even Without a Car
Get SR-22 Quotes NowIf your license is suspended
Special Use Permit (Special Operators Permit) for suspended drivers
application fee $100, about 10 days to process.
A coverage lapse is reported
The state acts on a lapse after 14 days.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 in Connecticut after a DUI?
Connecticut requires SR-22 filing for 3 years from the date of license reinstatement after a DUI conviction. If your insurance lapses at any point during those 3 years, the DMV suspends your license immediately and you must restart the full 3-year requirement from the new reinstatement date.
Which insurance companies offer SR-22 in Connecticut?
Non-standard carriers serving Connecticut SR-22 drivers include several regional and national providers specializing in high-risk coverage. Not all standard insurers file SR-22, so expect to shop among non-standard markets with higher premiums but more flexible acceptance criteria for DUIs and violations.
Can I get car insurance in Connecticut with a suspended license?
You can purchase an SR-22 policy before reinstatement to satisfy DMV proof-of-insurance requirements, but you cannot legally drive until your license is fully reinstated. Most non-standard carriers will write a policy with SR-22 filing while your license is suspended, then activate coverage once you complete reinstatement.
What happens if my SR-22 insurance lapses in Connecticut?
The Connecticut DMV receives immediate electronic notification from your insurer and suspends your license and registration the same day. You must obtain new SR-22 coverage, pay a reinstatement fee, and restart the entire 3-year filing requirement from scratch—even if you were near the end of your original period.
Do I need an SR-22 for a speeding ticket in Connecticut?
A single speeding ticket does not trigger SR-22 unless it causes you to accumulate 10 or more license points within 24 months, which can result in suspension. SR-22 is typically required for DUI, uninsured operation, habitual offender status, or license suspension due to serious violations—not routine speeding.
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.