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Connecticut SR-22 & High-Risk Auto Insurance

Connecticut requires SR-22 filing for DUI convictions, license suspensions, and uninsured accidents. The filing requirement typically lasts 3 years and costs $15–$50 to file, but high-risk premiums range from $200–$400/mo depending on violation type and driving history.

Connecticut cityscape and street view

Updated April 2026

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.

Minimum Coverage
State minimum liability (25/50/25) and uninsured motorist coverage with SR-22 filing, typically for drivers with a single DUI or suspension. Rates vary widely based on age, zip code, and time since violation.
Standard Coverage
Higher liability limits (100/300/100) with uninsured motorist and SR-22 filing, recommended for drivers with assets to protect or multiple violations. Non-standard carriers often bundle higher limits at competitive rates for high-risk profiles.
Full Coverage
Liability, collision, comprehensive, and SR-22 filing for financed or leased vehicles. High-risk drivers face steep collision and comprehensive surcharges, often doubling the cost of these coverages compared to clean-record drivers.

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

Compare Auto Insurance Rates in Connecticut

Find Your City in Connecticut

Bridgeport, Connecticut cityscape and street view

Bridgeport

urban
Stamford, Connecticut cityscape and street view

Stamford

urban
New Haven, Connecticut cityscape and street view

New Haven

urban
Hartford, Connecticut cityscape and street view

Hartford

urban
Misty forest with moss-covered trees, ferns, and fallen logs in atmospheric lighting

Waterbury

urban
Historic downtown street at sunset with red brick buildings, colorful sky, and warm street lighting

Norwalk

suburban
White wooden fence curving along autumn hillside with fallen leaves and colorful fall trees

Danbury

suburban
Large red brick institutional buildings with white trim and cupolas arranged around a courtyard with parked cars

New Britain

urban

Sources

  • Connecticut Department of Motor Vehicles (CT DMV) – SR-22 and Financial Responsibility Requirements
  • Connecticut Insurance Department – High-Risk Auto Insurance Regulations
  • Industry rate data for high-risk driver profiles in Connecticut (2023–2024)

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