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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

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Connecticut

Drivers with DUI convictions, license suspensions for serious violations, or uninsured accidents typically must file SR-22 proof of financial responsibility with the Connecticut Department of Motor Vehicles for 3 years. The state uses a point system where accumulating 12 points in 2 years triggers license suspension, though not all point violations require SR-22 filing.

Liability Insurance

Connecticut's 25/50/25 minimums are mandatory for all drivers and required to file SR-22. High-risk drivers often face difficulty finding standard carriers willing to write them at minimum limits, making non-standard insurers the primary option.

Uninsured Motorist Coverage

Connecticut requires insurers to offer uninsured/underinsured motorist coverage matching your liability limits, though you can reject it in writing. High-risk drivers should consider maintaining this coverage even when cutting costs elsewhere, as it protects you from other drivers' violations.

Full Coverage

Full coverage combines liability, collision, and comprehensive and is typically required if you finance or lease a vehicle. If your vehicle is older and paid off, dropping to liability-only can cut your premium significantly during the SR-22 filing period.

SR-22 Insurance

SR-22 is not a separate insurance policy but a certificate your insurer files with the Connecticut DMV proving you carry at least minimum liability coverage. Not all carriers offer SR-22 filing in Connecticut — non-standard insurers like Bristol West, Infinity, and The General are common options for drivers in this situation.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk drivers and are often the only option after DUI, multiple violations, or license suspension. Rates can decrease after 2–3 years of violation-free driving, making it critical to maintain continuous coverage and avoid lapses.

What Drivers Pay in Connecticut

$299–$369/mo

Typical monthly rate in Connecticut, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

SR-22 filing duration: 3-year requirement means sustained high premiums unless you maintain clean record
Non-standard carrier availability: Limited competition in Connecticut's high-risk market keeps rates elevated

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Connecticut SR-22 & High-Risk Auto Insurance

Connecticut at a Glance

Minimum Coverage Requirements in Connecticut

Liability Insurance

Uninsured Motorist Coverage

Full Coverage

SR-22 Insurance

Non-Standard Auto Insurance

What Drivers Pay in Connecticut

What Affects Your Rate

Stop Overpaying While Your Points Fade

Coverage Types

Liability Insurance

Full Coverage

SR-22 Insurance

Non-Standard Auto Insurance

Uninsured Motorist Coverage

Collision Coverage

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