Connecticut SR-22 Auto Insurance
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Reinstatement Coverage — Connecticut

Reinstatement coverage isn't an insurance product — it's the proof-of-insurance requirement you must satisfy to get your Connecticut license back after suspension.

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What Is Reinstatement Coverage Insurance?

Reinstatement coverage refers to maintaining proof of continuous auto liability insurance while your license is suspended and through the reinstatement process in Connecticut. If you own a vehicle, you need a standard liability policy with an SR-22 certificate filed by your insurer. If you don't own a vehicle, you need a non-owner SR-22 policy that provides liability coverage when you drive someone else's car and satisfies the state's filing requirement.

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Who Needs Reinstatement Coverage Insurance?

You need reinstatement coverage if Connecticut has suspended your license and sent a notice requiring SR-22 filing, or if your suspension order states you must provide proof of insurance to the DMV before reinstatement. This applies to DUI convictions, driving uninsured, excessive points (12 or more in two years), refusal to submit to a chemical test, or at-fault accidents without insurance. Even if you don't plan to drive during suspension, the state requires continuous coverage for the entire reinstatement period — typically three years — and any lapse restarts the clock.

Check your suspension notice for the phrase 'proof of financial responsibility' or 'SR-22 filing required.' If present, you must carry reinstatement coverage. If you own a vehicle, you need standard liability with SR-22 even if the car sits unused. Never let the policy lapse during the filing period, even if you move out of state — Connecticut tracks lapses electronically and restarts your entire reinstatement clock from zero.

How Much Does Reinstatement Coverage Insurance Cost?

  • How long you've been without coverage — a lapse longer than 30 days before reinstatement doubles or triples quotes compared to continuous coverage.

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