Connecticut SR-22 Auto Insurance
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SR-22 Insurance — Connecticut

SR-22 is not insurance — it's a certificate your insurer files with the Connecticut DMV proving you carry at least state-minimum liability coverage.

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What Is SR-22 Insurance Insurance?

An SR-22 is a DMV filing form, not a separate insurance policy. Connecticut requires SR-22 filing after DUI, driving uninsured, excessive moving violations, or reinstatement from certain suspensions. The filing remains active for 3 years from the date the DMV requires it, and your carrier must notify the DMV within 24 hours if your policy cancels or lapses for any reason.

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Who Needs SR-22 Insurance Insurance?

You need SR-22 if Connecticut DMV explicitly requires it in your suspension or reinstatement notice — typically after DUI, reckless driving, driving uninsured, accumulating 10+ points in 2 years, or causing an accident without insurance. If your notice does not mention SR-22, contact the DMV License Services Division before purchasing — not all suspensions trigger the requirement, and filing unnecessarily costs money and flags your record with the state.

Check your suspension or reinstatement letter from Connecticut DMV — it will state explicitly if SR-22 is required and for how long. If SR-22 is required and you own a vehicle, purchase a standard liability policy with SR-22 filing. If you do not own a vehicle but need to reinstate your license, purchase a non-owner SR-22 policy. If the letter does not mention SR-22 or proof of financial responsibility filing, call DMV at (860) 263-5148 before buying — you may only need to show proof of current insurance without the SR-22 certificate.

How Much Does SR-22 Insurance Insurance Cost?

  • Vehicle type and value — insuring a financed or leased vehicle requiring full coverage while under SR-22 filing doubles or triples the base SR-22 rate.

Related Coverage Types

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