Connecticut SR-22 & High-Risk Auto Insurance
Connecticut requires 25/50/25 liability coverage and is an at-fault state.
Free to compare
Connecticut 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 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.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
SR-22 Certificate of Financial Responsibility
Collision and Comprehensive Coverage
Cost Overview
$31–$88/mo
Typical monthly rate in Connecticut, non-owner policies
Rate data: Insure.com and MoneyGeek, 2026
What Affects Your Rate
- 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
- 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
Stay Covered While You Drive Borrowed Cars
Find Coverage After ViolationsIf 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 insurance in Connecticut?
Connecticut requires SR-22 filing for 3 years from the date of reinstatement or the court order. If your policy lapses at any point during this period, your license is suspended immediately and the 3-year requirement restarts from the date you file a new SR-22. Maintaining continuous coverage without interruption is critical to avoid extending your total filing obligation.
Which insurance companies offer SR-22 in Connecticut?
Non-standard carriers specializing in high-risk coverage typically offer SR-22 filing in Connecticut, as many standard insurers do not write policies for drivers with DUI convictions or recent suspensions. Working with an independent agent who has access to multiple non-standard markets increases your chances of finding competitive SR-22 coverage. Carrier availability varies by ZIP code and violation type.
What happens if my SR-22 insurance lapses in Connecticut?
Your insurance carrier is required to notify the Connecticut DMV immediately if your policy lapses or is canceled. The DMV will suspend your license and registration, and the 3-year SR-22 filing requirement restarts from the date you reinstate coverage with a new SR-22 filing. Driving on a suspended license can result in additional fines, extended suspension, and further insurance complications.
Does Connecticut require FR-44 or SR-22?
Connecticut requires SR-22 filing, not FR-44. FR-44 is only used in Florida and Virginia. Connecticut's SR-22 must certify that you carry at least the state minimum liability limits (25/50/25) and mandatory UM/UIM coverage, and the filing must remain active for the full 3-year period without lapse.
Coverage 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.