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

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

Minimum Coverage Requirements in Connecticut

Connecticut operates under a tort liability system, meaning at-fault drivers are financially responsible for damages they cause. The state requires continuous proof of insurance, enforced through random verification checks by the Connecticut DMV. If you're reinstating after a suspension, the DMV will not process your reinstatement until they receive electronic SR-22 confirmation from a licensed carrier, all reinstatement fees are paid, and any court-ordered requirements are satisfied.

Bodily Injury Liability

Pays for injuries you cause to others in an accident. Connecticut's 25/50 minimum covers less than one day in a hospital for a serious injury, and you remain personally liable for any amount above the limit. If you cause an accident that exceeds your liability limit, the injured party can sue you directly for the difference, and Connecticut courts can garnish wages or place liens on property to satisfy judgments.

Property Damage Liability

Covers damage you cause to another person's vehicle or property. Connecticut law allows injured parties to file claims directly against your insurer up to your policy limit, and any excess becomes your personal debt immediately.

Uninsured Motorist Coverage

Protects you if you're hit by a driver with no insurance. Connecticut automatically includes uninsured motorist coverage at the same limits as your liability policy unless you reject it in writing at policy inception. Verbal rejection does not count, and carriers cannot accept rejection after the policy is issued, meaning you'll pay for coverage you may not have intended to purchase if you don't complete the rejection form when the policy starts.

SR-22 Certificate of Financial Responsibility

An SR-22 is not insurance but a filing that proves you carry at least state minimum liability coverage. The Connecticut DMV requires SR-22 for most license suspensions including DUI, driving uninsured, excessive points, and certain violations. Your carrier files it electronically, and if your policy lapses or cancels during the required filing period, the carrier notifies the DMV immediately and your license is automatically re-suspended.

Non-Owner SR-22 Insurance

Provides liability coverage and SR-22 filing for suspended drivers who don't own a vehicle but need to satisfy reinstatement requirements. If you purchase a vehicle later, you must immediately switch to a standard policy or your coverage will not apply in an accident.

What Drivers Pay in Connecticut

$351–$602/mo

Typical monthly rate in Connecticut, high-risk drivers after a DUI

Rate data: ValuePenguin and Insurify, 2026

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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 does Connecticut require SR-22 filing after a DUI?

Connecticut requires 3 years of continuous SR-22 filing after a DUI conviction, measured from the conviction date, not the filing date. If your policy lapses at any point during the 3-year period, the Connecticut DMV re-suspends your license immediately and the 3-year clock does not reset — you must maintain coverage for the full original period plus any additional suspension time incurred by the lapse.

Can I get a hardship license in Connecticut while suspended?

Connecticut does not offer traditional hardship or restricted licenses for most suspension types. The state requires full reinstatement, which means paying all fees, satisfying SR-22 requirements, and completing any court-ordered programs before driving privileges are restored. Limited exceptions exist for medical hardship cases, but these require DMV hearing approval and are rarely granted for DUI or insurance-related suspensions.

Can I reinstate my Connecticut license with a non-owner SR-22 policy?

Yes. Connecticut accepts non-owner SR-22 policies for reinstatement as long as you don't own a vehicle and aren't listed as a principal driver on another policy. If you purchase a vehicle or move into a household with a registered vehicle later, you must immediately convert to a standard SR-22 policy or your coverage will not apply in an accident, and the DMV may re-suspend your license for filing type mismatch.

Coverage Types

SR-22 Insurance

Electronic filing proving you carry at least state minimum liability coverage, required by the Connecticut DMV for most license suspensions. The SR-22 itself costs $15–$50 to file, but the policy behind it costs significantly more due to high-risk classification.

Non-Owner SR-22 Insurance

Liability-only policy with SR-22 filing for drivers who don't own a vehicle but need to satisfy Connecticut reinstatement requirements. Covers you when driving borrowed or rental vehicles, but does not cover vehicles you own or vehicles registered to household members.

Liability Insurance

Covers bodily injury and property damage you cause to others in an accident. Connecticut's 25/50/25 minimums are among the lowest in the Northeast and inadequate for most serious accidents.

Uninsured Motorist Coverage

Pays your medical bills and lost wages if you're hit by a driver with no insurance or insufficient coverage. Connecticut automatically includes this at your liability limits unless you reject it in writing.

Non-Standard Auto Insurance

Coverage for drivers classified as high-risk due to suspensions, violations, DUIs, or lapses. Non-standard carriers specialize in SR-22 filings and accept drivers that standard carriers decline.

Find Your City in Connecticut

Bridgeport

urban

Stamford

urban

New Haven

urban

Hartford

urban

Waterbury

urban

Norwalk

suburban

Danbury

suburban

New Britain

urban