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
State Requirements
Uninsured motorist coverage at the same limits is also mandatory unless declined in writing. SR-22 filing is required for drivers with DUI convictions, license suspensions for repeat violations, or accidents while uninsured. Drivers with standard point violations like speeding tickets typically do not need SR-22 but will face rate increases and should compare carriers to minimize premium impact.
Liability Insurance
Uninsured Motorist Coverage
SR-22 Insurance
Full Coverage
Non-Standard Auto Insurance
Cost Overview
$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 increase premiums more than speeding tickets
- Number of points: Connecticut suspends licenses at 12 points in 24 months; drivers near this threshold face steeper increases
- Time since violation: Rates begin to improve after 3 years as points age off
- Location: Urban areas like Hartford and New Haven have higher base rates due to accident frequency and theft risk
Find the Insurers That Still Want Your Business
See Carriers That Cover YouFrequently Asked Questions
How long do points stay on my driving record in Connecticut?
Points remain on your Connecticut driving record for 2 years from the date of conviction. After 2 years, the points no longer count toward suspension thresholds, but the underlying violations remain visible to insurers for 3–5 years and continue to affect your premiums. Most insurers begin reducing surcharges after 3 years if you maintain a clean record.
Do I need SR-22 insurance for a speeding ticket in Connecticut?
No. Connecticut does not require SR-22 for standard speeding tickets or single minor violations. SR-22 is required for DUI convictions, license suspensions for excessive points or repeat violations, and accidents while uninsured. A speeding ticket will increase your insurance rates but does not trigger an SR-22 filing requirement.
How many points before license suspension in Connecticut?
Connecticut suspends your license if you accumulate 12 points within 24 months. Common violations include 2 points for speeding 10–19 mph over the limit, 3 points for 20–29 mph over, and 4 points for reckless driving. A suspension triggered by points may require SR-22 filing and will significantly increase your insurance premiums.
Which insurance companies offer SR-22 in Connecticut?
Most major insurers and non-standard carriers offer SR-22 filing in Connecticut, though availability and rates vary significantly. Non-standard carriers specializing in high-risk drivers often provide lower premiums than standard insurers for SR-22-required policies. Drivers should compare at least 3 carriers to find the most competitive rate for their violation profile.
Can I get insurance with a suspended license in Connecticut?
Yes, but you must reinstate your license before driving legally. Some insurers will issue a policy and file SR-22 while your license is still suspended to help you meet reinstatement requirements. Once you pay reinstatement fees and file SR-22, the Connecticut DMV will restore your driving privileges. Non-standard carriers are more likely to write policies during suspension periods.
How long does a DUI affect insurance rates in Connecticut?
A DUI conviction in Connecticut will impact your insurance rates for 5–7 years, though the most severe surcharges typically last 3–5 years. The SR-22 requirement lasts 3 years. After 5 years with no additional violations, most insurers reduce or eliminate DUI surcharges, and rates begin to normalize toward standard driver premiums.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Connecticut's $25,000/$50,000/$25,000 minimums are often insufficient if you cause a serious accident, leaving high-risk drivers vulnerable to lawsuits.
SR-22 Insurance
Certificate proving you carry minimum liability coverage, required for DUI, license suspension, or uninsured accidents. The filing adds $15–$25, but the underlying high-risk premiums drive the real cost.
Non-Standard Auto Insurance
Specialized carriers that insure drivers with violations, accidents, lapses, or SR-22 requirements. These insurers are often more willing to write policies and offer lower rates than standard carriers for high-risk profiles.
Full Coverage
Combines liability, collision, and comprehensive. High-risk drivers pay significantly more for collision coverage due to perceived accident risk, making this expensive for financed vehicles.
Uninsured Motorist Coverage
Protects you if you are hit by a driver with no insurance or insufficient coverage. Connecticut requires this at the same limits as your liability coverage unless you decline in writing.
Collision Coverage
Pays for damage to your vehicle after an accident, regardless of fault. High-risk drivers with recent at-fault accidents face steep collision premiums due to perceived repeat-accident risk.