Updated June 2026
What Is SR-22 Insurance Insurance?
An SR-22 is a DMV filing form, not a separate insurance policy. Your auto insurance carrier submits it electronically to the Connecticut DMV to certify you maintain continuous liability coverage meeting or exceeding the state's 25/50/25 minimums — $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage. 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.
- You were pulled over without insurance and received a 60-day suspension. Connecticut requires an SR-22 filing before reinstatement and for 3 years afterward. You purchase a liability-only policy meeting the 25/50/25 minimums for $180/month, and the carrier charges a one-time $25 filing fee. The DMV receives the SR-22 within 2 business days. Your reinstatement fee is $175, separate from the insurance cost.
- You were convicted of DUI and lost your license for 45 days with an additional 1-year IID (ignition interlock device) restriction. Connecticut requires SR-22 filing for 3 years starting from the reinstatement date. Your carrier files the SR-22, but your premium increases to $320/month due to the major violation on your record. If you cancel the policy or it lapses even one day during the 3-year period, the DMV suspends your license immediately and restarts the SR-22 clock.
- Your license was suspended for unpaid tickets and you sold your car. You need SR-22 to reinstate but do not own a vehicle. You purchase a non-owner SR-22 policy for $95/month, which provides liability coverage only when you drive someone else's car or a rental. The carrier files the SR-22 with the DMV. When you buy a car 18 months later, you switch to a standard policy and the carrier transfers the SR-22 filing to the new policy without restarting the 3-year period.
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?
SR-22 filing adds $15–$50 one-time fee. Monthly premiums for SR-22-required drivers in Connecticut typically range $150–$400/month depending on violation type and driving history.
- Violation type triggering the SR-22 requirement — DUI raises rates 80–150%, uninsured operation raises rates 30–60%, and excessive points raise rates 20–40%.
- Coverage level beyond the state minimum — adding comprehensive and collision to an SR-22 policy increases monthly cost by $60–$120.
- 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.
- Lapse history — drivers who previously let SR-22 coverage lapse and restarted the filing period face surcharges of 15–30%.
- Carrier acceptance — not all carriers write SR-22 policies in Connecticut, and non-standard carriers charge 20–40% more than standard carriers for the same coverage.
- Bundled discounts — some carriers reduce SR-22 policy rates by 5–10% if you add renters insurance or maintain automatic payment during the filing period.