SR-22 insurance in Connecticut isn’t a type of insurance but rather a certificate of financial responsibility that some drivers must file. It’s often required for individuals who have been convicted of certain driving-related offenses, such as DUI, driving without insurance, reckless driving or multiple traffic offenses.
Your insurer files an SR-22 form with the Connecticut DMV to verify that your policy meets the state’s minimum liability coverage requirements. This form is typically required when you need to reinstate driving privileges after they were revoked or suspended due to violations. You must maintain continuous coverage throughout the specific period for compliance with the court or DMV.
In this guide, you’ll find what SR-22 insurance covers in Connecticut and how it affects your annual premiums should you need one.
Who needs an SR-22 in Connecticut?
In Connecticut, an SR-22 is typically required for individuals whose license was suspended or revoked due to certain violations.
Some examples of violations that may lead to an SR-22 requirement include:
- DUI or DWI (driving under the influence or driving while intoxicated) conviction
- Reckless driving
- Driving without insurance
- Multiple traffic offenses within a short period
- If you’re involved in an accident and don’t have car insurance, the DMV may suspend your license and require you to file an SR-22
- Nonpayment of fines or penalties if you’re sued after an accident
In Connecticut, an SR-22 is generally needed for 3-5 years depending on the severity of the offense, but this duration can differ based on the specific violation. Throughout this period, it’s crucial to maintain at least the minimum car insurance required by Connecticut law.
Learn more about how to find out if you still need an SR-22
How do I get an SR-22 in Connecticut?
Getting insurance in Connecticut involves purchasing a car insurance policy and having the insurance company file an SR-22 form with the Department of Motor Vehicles (DMV)on your behalf.
Getting the right car insurance:
- Contact your current insurance provider: Many insurers can handle SR-22 filings, but remember that your rates may change. It’s important to confirm whether they offer an SR-22 and if it will affect your premiums.
- Shop for quotes: It’s important to compare quotes from different insurers that offer SR-22 coverage. Disclose your need for an SR-22 so you get accurate estimates.
- Meet state minimum liability limits: Make sure that your coverage meets Connecticut’s required minimums, which is 25/50/25.
Filing the SR-22:
- Inform your insurance company about your SR-22 requirement. They will take care of the paperwork and file the form with the DMV for you.
- Pay the fees. There will be a filing fee for the SR-22 from your insurer and the increased premiums due to your high-risk status.
- Maintain continuous coverage. Make sure there is no lapse in the insurance coverage to avoid license suspension by the DMV.
Having an SR-22 may increase your car insurance costs because it signifies a riskier driver. To minimize the impact, compare quotes from different insurers and focus on safe driving habits to get lower rates in the future.
Discover your options for getting SR-22 insurance without a valid license
How much is SR-22 insurance in Connecticut?
In Connecticut, full coverage car insurance cost with an SR-22 is $1,984 per year $109 lower than the national average cost in the U.S., which is $2,093 a year. But if you have a DUI, your yearly premium can increase up to $4,853 in Connecticut.
In addition to the increased premium, there’s usually a small fee associated with filing the SR-22 form. To get your license reinstated, you must acquire car insurance and submit the SR-22 form.
How much is SR-22 insurance per month in Connecticut?
Drivers in Connecticut who have a DUI on their record can expect to pay $404 per month for a full coverage policy, which includes an SR-22.
Only some insurance companies provide car insurance for high-risk drivers, so you might need to look around to find one that does. When you do find an insurer, be prepared for higher premiums because of driving violations on your record.
However, by practicing responsible driving and steering clear of speeding, DUI and other violations, you can improve your driving record and possibly reduce your insurance premiums over time.
Check out SR-22 insurance rates in nearby states
Cheapest SR-22 insurance companies in Connecticut
Geico provides the most affordable SR-22 car insurance for drivers in Connecticut, with an average annual premium of $1,250. Kemper and Progressive also offer competitive SR-22 insurance rates in Connecticut, according to CarInsurance.com data.
In Connecticut, after a traffic infraction such as a DUI, getting SR-22 insurance is mandatory. While the SR-22 form does not impact insurance costs, the offenses that necessitate it typically result in increased premiums. However, there are still insurers in Connecticut that offer affordable coverage for high-risk drivers.
| Company | Full coverage rates without SR-22 | Full coverage rates after filling SR-22 |
|---|---|---|
| Amica | $2,516 | $2,927 |
| Farmers | $2,192 | $3,596 |
| Geico | $1,242 | $1,249 |
| Kemper | $1,571 | $1,591 |
| Nationwide | $1,766 | $2,003 |
| Progressive | $1,708 | $1,933 |
| State Farm | $1,733 | $2,111 |
| USAA* | $606 | $687 |
Find out which providers offer the cheapest SR-22 car insurance
How long do I need SR-22 insurance in Connecticut?
You will need an SR-22 in Connecticut for a period of 3-5 years depending on the severity of the offense. This document proves to the Connecticut DMV that you are maintaining state-mandated coverage.
SR-22 insurance varies by state and the reason you need it. Usually, it’s required for three years but in some cases, it might be longer. For example, if someone has repeat violations, the requirement could extend out to five years, says Dr. James Brau, Joel C. Peterson professor of finance at Brigham Young University.
How do I check my SR-22 status online in Connecticut?
You can visit the official Connecticut DMV website and use their online services to check your SR-22 status. Besides, you can contact the Connecticut DMV directly via phone and inquire about your SR-22 status. They should be able to provide you with the necessary information.
What happens if I cancel my insurance?
If you discontinue your SR-22 insurance in Connecticut before the mandated period ends, you could face severe consequences.
- Driver’s license suspension: If your SR-22 policy is canceled, your insurance provider will notify the state. This typically leads to a suspension of your driver’s license since insurance coverage must be maintained for the mandated period.
- Fines and penalties: In some states, you might face additional fines or penalties for not complying with the SR-22 requirement.
- Extended probationary period: If your SR-22 is part of a probation period for a driving offense, canceling it might restart your probationary period.
- Increased insurance costs: A lapse in coverage and violations on your driving record resulting from SR-22 policy cancellation can lead to significantly higher insurance premiums in the future.
It’s crucial to maintain continuous coverage for the required period. Any gaps or cancellations can result in penalties and suspension of your driver’s license.
How to get an SR-22 removed in Connecticut
To get rid of your SR-22, you must wait until the required time period is up. In Connecticut, this period is typically 3-5 years depending on the severity of the offense from when you first filed the SR-22.
Brau explains that you should maintain continuous insurance coverage without any lapses. If you cancel your policy or let it expire, the SR-22 will no longer be valid. Wait out the required period. During this time, drive responsibly and maintain your insurance coverage.
“Check with your state’s DMV and confirm the exact duration and any additional requirements for removal. Some states may require you to submit a formal request or provide proof of good driving behavior,” he says.
“Once the required period has passed, ask your insurer to file an SR-26 form with the DMV. This form notifies them that you no longer need an SR-22. After your insurer submits the SR-26, check with the DMV to ensure the SR-22 is officially removed from your record.”
How does an SR-22 affect car insurance rates in Connecticut?
The requirement of an SR-22 certificate can increase your car insurance premiums significantly. Most insurance companies consider drivers with SR-22 high risk, resulting in premium hikes.
Your specific increase in rates will vary based on various factors, including your driving record and the reason for the SR-22.
Car insurance can be more expensive after an SR-22, so it’s a good idea to get quotes from different companies to find the best deal. However, maintaining a clean driving record and adhering to SR-22 obligations can lead to decreased insurance rates.
Select your age, gender and type of violation to see average annual SR-22 insurance rates by company.
Note: These rates are for a full coverage policy with limits of 100/300/100 with a $500 deductible.
Non-owner SR-22 insurance for Connecticut drivers
If you find yourself in a situation where you need an SR-22 in Connecticut but don’t own a car, there is a solution. Non-owner SR-22 insurance can help you reinstate your Connecticut driver’s license and meet the requirements.
Non-owner car insurance provides liability coverage when you don’t own a vehicle. This type of policy allows the insurance company to issue the SR-22 form to the DMV on your behalf. Not all insurance companies offer non-owner car insurance or file SR-22 forms, so shop around in Connecticut for a company that can provide the coverage you need.
Frequently asked questions: SR-22 insurance in Connecticut
Do I need an SR-1P or SR-22 in Connecticut?
Both the SR-22 and SR-1P are forms your insurance company submits to the Connecticut DMV, ensuring you meet the mandated liability coverage. For motorcycle riders, mopeds, and scooter users, the SR-1P is the relevant form. If you’ve been caught riding your two-wheeler without insurance or have had your license suspended, you’ll require an SR-1P.
What happens to your SR-22 insurance in Connecticut if you move?
An SR-22 requirement stays even when you move to a new state. Find a new insurance company licensed in your current state to file a new SR-22. They must submit the form with both the Connecticut DMV and your new state’s DMV to transfer the requirement. Maintain continuous coverage until the new SR-22 is in effect.
SR-22 requirements can vary from state to state, so it’s essential to consult with your new insurance company and the Department of Motor Vehicles (DMV) in your new state to determine the necessary steps.
Does Geico offer SR-22 in Connecticut?
Geico provides SR-22 in Connecticut, ensuring you meet the state’s insurance requirements and offer adequate coverage required by the state.
Resources & Methodology
Sources
SR-22 Adviser. “SR-22 Requirements by State.” Accessed March 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get SR-22 car insurance rates in Connecticut. The rates are based on the sample profile of a 40-year-old driver with a clean driving record and good insurance score. We have compared 50,73,544 from 138 national and regional car insurance companies across 548 cities and 1,468 ZIP codes to evaluate the premiums.
Note: USAA is only available to military community members and their families.
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