Updated March 2026
State Requirements
Connecticut requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. 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.
Cost Overview
High-risk insurance premiums in Connecticut vary widely based on violation type, number of points, and carrier. Drivers with a single speeding ticket may see rate increases of 15–30%, while DUI convictions or multiple violations can double or triple premiums. Non-standard carriers often offer significantly lower rates than standard insurers for drivers with recent violations, making carrier shopping essential.
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
- Carrier type: Non-standard insurers often offer 20–40% lower rates than standard carriers for high-risk profiles
- Location: Urban areas like Hartford and New Haven have higher base rates due to accident frequency and theft risk
- SR-22 requirement: The filing itself costs $15–$25, but underlying premiums increase significantly due to the violation that triggered SR-22
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Frequently Asked Questions
Sources
- Connecticut Department of Motor Vehicles - SR-22 Requirements and Reinstatement
- Connecticut Insurance Department - Minimum Coverage Requirements
- Connecticut General Statutes § 14-112 - Point System and Suspensions