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
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage 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.
