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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, multiple at-fault accidents, license suspensions for violations, or driving uninsured typically must file SR-22 proof of financial responsibility with the Connecticut Department of Motor Vehicles. The SR-22 filing requirement usually lasts 3 years from the date of reinstatement, and any lapse in coverage during that period restarts the clock.

Liability Insurance

Connecticut's 25/50/25 minimums are among the lowest in the Northeast and often inadequate for high-risk drivers facing elevated lawsuit exposure after an at-fault accident. Many non-standard carriers in Connecticut require higher liability limits—such as 50/100/50—before they'll write SR-22 policies for DUI or suspension cases.

SR-22 Insurance

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

Uninsured Motorist Coverage

Connecticut requires insurers to offer uninsured/underinsured motorist coverage at the same limits as your liability policy, though you can decline it in writing. For high-risk drivers already facing elevated premiums, this coverage is often skipped to reduce cost.

Full Coverage

Full coverage—liability, comprehensive, and collision—is typically required if you finance or lease your vehicle, even with an SR-22 filing. If your car is older and paid off, many drivers drop collision and comprehensive to meet the SR-22 requirement at minimum cost, though this leaves you unprotected for theft, weather damage, or repair costs after an at-fault accident.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk drivers and are often the only option for Connecticut drivers with DUI, multiple violations, or SR-22 requirements. Carriers writing non-standard policies in Connecticut include The General, Direct Auto, and regional underwriters who accept higher-risk profiles standard insurers decline.

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

  • Violation type: DUI convictions carry the highest surcharges, often doubling premiums for 3–5 years
  • Number of violations: multiple speeding tickets or at-fault accidents within 3 years can price you out of standard market entirely
  • Carrier availability: limited non-standard competition in Connecticut means fewer quotes and less rate negotiation leverage
  • Years since violation: most surcharges drop after 3 years, but DUI impacts pricing for up to 5 years with some carriers
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Coverage Types

Liability Insurance

Covers injury and property damage you cause to others. Required for SR-22 filing in Connecticut at minimum 25/50/25, though many high-risk drivers carry 50/100/50 to reduce personal lawsuit exposure.

SR-22 Insurance

Certificate filed by your insurer proving continuous liability coverage to the Connecticut DMV. Required for DUI, suspensions, and uninsured driving, typically for 3 years.

Non-Standard Auto Insurance

Coverage from carriers specializing in high-risk drivers with DUI, violations, or SR-22 requirements. Often the only option after standard insurers non-renew or decline your application.

Uninsured Motorist Coverage

Covers your injuries if hit by a driver with no insurance or insufficient coverage. Connecticut requires insurers to offer it at your liability limits, though you can reject it in writing.

Full Coverage

Liability, comprehensive, and collision bundled. Protects both your liability and repairs your vehicle after an accident, theft, or weather damage.

Collision Coverage

Pays to repair or replace your vehicle after an at-fault accident, minus your deductible. Optional unless you finance or lease.

Find Your City in Connecticut

Bridgeport

urban

Stamford

urban

New Haven

urban

Hartford

urban

Waterbury

urban

Norwalk

suburban

Danbury

suburban

New Britain

urban