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Connecticut SR-22 & High-Risk Auto Insurance

Connecticut requires 25/50/25 liability coverage and is an at-fault state.

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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/underinsured motorist coverage at the same 25/50 limits is also mandatory unless waived in writing. SR-22 filing is required following DUI convictions, license suspensions for repeat violations, at-fault accidents without insurance, and certain driving-related criminal convictions. The Connecticut DMV mandates continuous SR-22 certification for the entire filing period, and any lapse triggers immediate license suspension and restarts the requirement clock.

Liability Insurance

Connecticut's 25/50/25 minimums are among the lowest in the Northeast and often insufficient to cover serious accidents. For high-risk drivers already facing elevated premiums, a single at-fault accident exceeding state minimums can lead to personal asset exposure and further rate increases. Connecticut courts allow injured parties to pursue damages beyond policy limits, making higher liability limits a practical consideration even when budget is tight.

SR-22 Insurance

SR-22 is not a separate insurance policy but a certificate filed by your carrier with the Connecticut DMV proving continuous coverage. Not all insurers offer SR-22 filing—many standard carriers decline high-risk drivers outright, making non-standard carriers the primary market. Connecticut requires the SR-22 to remain active for the full 3-year period; if your policy cancels or lapses for even one day, the DMV suspends your license immediately and the 3-year requirement restarts from zero.

Uninsured/Underinsured Motorist Coverage

Connecticut mandates UM/UIM coverage at 25/50 limits unless you decline it in writing, a reflection of the state's concern about uninsured drivers. For high-risk drivers already navigating expensive premiums, this coverage protects you if hit by an at-fault driver with no insurance or insufficient limits.

Collision Coverage

Collision coverage is not legally required in Connecticut, but lenders mandate it for financed or leased vehicles. For high-risk drivers, collision premiums can be steep due to higher deductibles and surcharges tied to at-fault accident history. If your vehicle's value is low and you own it outright, dropping collision can reduce premium costs significantly, though you'll pay out-of-pocket for repairs after any at-fault crash.

Comprehensive Coverage

Comprehensive coverage handles non-collision losses like theft, vandalism, and weather damage, none of which are legally required unless your lender demands it. Connecticut's winter weather and urban vehicle theft rates make comprehensive coverage appealing, but high-risk drivers may face elevated rates and higher deductibles. Weigh the cost against your vehicle's actual cash value and your ability to absorb a total loss before purchasing.

Cost Overview

$419–$602/mo

Typical monthly rate in Connecticut, drivers with an SR-22 after a DUI

Rate data: ValuePenguin and NerdWallet, 2026

What Affects Your Rate

  • Time since incident: Rates decrease as violations age off your record—most insurers reduce surcharges after 3 years, with full relief at 5 years for non-DUI offenses
  • Carrier type: Non-standard insurers like The General, Bristol West, and National General specialize in high-risk drivers but charge higher base rates than standard carriers that may accept borderline profiles
  • Coverage and deductible choices: Raising liability limits or lowering deductibles increases premiums, but high-risk drivers often face restricted options and mandatory higher deductibles from non-standard carriers
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If 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?

Connecticut requires SR-22 filing for 3 years from the date of license reinstatement or offense resolution, with no lapses permitted. If your insurance cancels or you let your policy lapse for even one day, the DMV suspends your license immediately and the 3-year requirement restarts from zero. Maintaining continuous coverage for the full period is the only way to satisfy the requirement and avoid further penalties.

Which insurance companies offer SR-22 in Connecticut?

Non-standard carriers like The General, Bristol West, National General, and Acceptance Insurance commonly write SR-22 policies in Connecticut for high-risk drivers. Many standard insurers—Geico, State Farm, Progressive—may decline drivers with DUIs or multiple violations outright, while others tier them into high-risk programs with elevated premiums. Shopping multiple carriers is critical because SR-22 rates vary widely, and availability is limited compared to standard market options.

Can I get car insurance with a suspended license in Connecticut?

You can purchase insurance with a suspended license in Connecticut, and you'll need to in order to file SR-22 and begin the reinstatement process. Most non-standard carriers will write policies for suspended drivers, though you cannot legally drive until the DMV reinstates your license. The SR-22 filing and proof of insurance are prerequisites to reinstatement, so securing coverage is the first step toward getting your license back.

Coverage Types

Liability Insurance

Covers injury and property damage you cause to others in an at-fault accident. Connecticut's 25/50/25 minimums are legally sufficient but financially inadequate for serious crashes, especially for high-risk drivers already exposed to lawsuits and rate hikes.

SR-22 Filing

A certificate your insurer files with the Connecticut DMV proving you carry continuous liability coverage. Required for DUIs, suspensions, and uninsured accidents, and must remain active for 3 years without lapse.

Uninsured/Underinsured Motorist

Covers your injuries and damages if hit by a driver with no insurance or insufficient limits. Connecticut requires 25/50 UM/UIM unless you waive it in writing, and the state's uninsured driver rate hovers around 11%.

Non-Standard Auto Insurance

Specialized coverage for drivers rejected by standard insurers due to DUIs, multiple violations, SR-22 requirements, or lapses. Non-standard carriers accept higher-risk profiles but charge elevated premiums and may impose coverage restrictions.

Collision Coverage

Pays to repair or replace your vehicle after an at-fault accident, regardless of who caused the crash. Not required by Connecticut law, but mandatory if you finance or lease your car.

Comprehensive Coverage

Covers non-collision damage including theft, vandalism, fire, hail, and animal strikes. Optional unless required by your lender, and often bundled with collision as part of full coverage.

Find Your City in Connecticut

Bridgeport

urban

Stamford

urban

New Haven

urban

Hartford

urban

Waterbury

urban

Norwalk

suburban

Danbury

suburban

New Britain

urban