Minimum Coverage Requirements in Connecticut
Connecticut requires minimum liability coverage of 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Drivers with DUI convictions, suspended licenses, multiple at-fault accidents, or uninsured violations typically must file SR-22 proof of insurance with the Connecticut DMV for three years. Uninsured motorist coverage of 25/50 is also required, and high-risk drivers often face scrutiny on continuous coverage to avoid reinstatement penalties.
How Much Does Car Insurance Cost in Connecticut?
High-risk auto insurance in Connecticut costs significantly more than standard coverage due to violation surcharges, SR-22 filing requirements, and limited carrier competition. Drivers with a DUI typically pay $200–$400/mo for liability-only coverage, while those needing full coverage may see $400–$600/mo or higher. Rates depend on violation severity, age, location, vehicle type, and how recently the incident occurred.
What Affects Your Rate
- Violation type: DUI surcharges in Connecticut are higher than most moving violations or at-fault accidents
- Time since violation: rates typically decrease 10–20% each year after the first anniversary of a DUI or suspension
- Zip code: urban areas like Hartford and New Haven see 15–30% higher premiums than rural Connecticut towns
- Age and gender: drivers under 25 with a DUI may pay 30–50% more than drivers over 30 with identical violations
- SR-22 filing duration: longer filing periods or multiple SR-22 requirements signal higher risk to insurers
- Claims history: any at-fault accident during the SR-22 period compounds surcharges and may trigger non-renewal
See how much your violation actually affects your rates
Not every carrier surcharges the same way. Compare quotes from carriers that rate violations differently.
Get Your Free QuoteCoverage Types
SR-22 Insurance
Mandatory proof-of-insurance certificate filed by your carrier with the Connecticut DMV after DUI, suspension, or uninsured violations. Not all insurers offer SR-22 in Connecticut; most high-risk drivers move to non-standard carriers.
Non-Standard Auto Insurance
Specialized coverage for drivers with DUIs, suspensions, or SR-22 requirements when standard carriers decline or non-renew. Non-standard insurers offer SR-22 filing and flexible payment plans.
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. Connecticut's 25/50/25 minimums are low, and high-risk drivers are often sued for amounts exceeding these limits.
Full Coverage
Combines liability, collision, and comprehensive to protect your vehicle and others. Required by lenders and essential for newer vehicles with loan or lease obligations.
Uninsured Motorist Coverage
Mandatory in Connecticut at 25/50 limits, protecting you if hit by a driver with no insurance. Critical for high-risk drivers, as another uninsured incident can extend SR-22 requirements.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, subject to your deductible. High-risk drivers face steep collision surcharges due to violation history.
