Updated March 2026
State Requirements
Connecticut requires minimum liability coverage of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage (25/50/25). Uninsured and underinsured motorist coverage is also mandatory at the same limits. SR-22 filing is required for drivers convicted of DUI, those with suspended licenses due to violations or uninsured accidents, and individuals seeking reinstatement after certain administrative actions. These minimums provide limited protection for high-risk drivers who may face greater financial exposure in subsequent incidents.
Cost Overview
High-risk auto insurance in Connecticut typically costs $2,100–$4,500 annually for drivers with DUIs, major violations, or SR-22 requirements, compared to $1,200–$1,800 for clean-record drivers. Rates vary based on violation severity, time since incident, age, vehicle type, and ZIP code—urban areas like Hartford and New Haven see higher premiums due to accident and theft frequency. Non-standard carriers willing to write SR-22 policies often charge more initially but may offer rate reductions as your 3-year filing period progresses without new incidents.
What Affects Your Rate
- Violation type and severity: DUI convictions typically increase rates 80%–150%, while at-fault accidents raise premiums 40%–70%
- Time since incident: Rates decrease as violations age off your record—DUIs impact rates for 3–5 years, most violations for 3 years
- ZIP code and garaging location: Hartford, New Haven, and Bridgeport see higher rates due to accident density and theft risk
- Driver age and experience: Drivers under 25 with violations face compounded rate increases; those over 25 see smaller percentage hikes
- Vehicle type and value: Financing a newer vehicle requires collision/comprehensive, adding $600–$1,200 annually to high-risk policies
- Credit-based insurance score: Connecticut allows insurers to use credit history in rating, which can significantly impact high-risk premiums if credit is also damaged
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Get Your Free QuoteCoverage Types
SR-22 Insurance
Continuous liability coverage certified to the Connecticut DMV via SR-22 filing. Required for 3 years following DUI, suspension, or uninsured accident—any lapse restarts the clock and suspends your license.
Liability Insurance
Covers bodily injury and property damage you cause to others. Connecticut's 25/50/25 minimums provide limited protection—serious accidents often exceed $100,000 in combined damages.
Uninsured/Underinsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient limits. Connecticut mandates UM/UIM at the same levels as your bodily injury liability unless you reject UIM in writing.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, regardless of who is responsible. Required by lenders but optional if you own your car outright.
Comprehensive Coverage
Covers non-collision damage like theft, vandalism, fire, or weather events. Often required by lenders and relatively affordable even for high-risk drivers.
Non-Standard Auto Insurance
Specialized coverage from carriers willing to insure drivers with DUIs, suspensions, or SR-22 requirements. These policies often start at higher rates but may offer discounts as you maintain a clean record over time.
