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.
The SR-22 form is filed by your insurance company with the Connecticut Department of Motor Vehicles (DMV) to prove that you have the state-required minimum liability coverage. This form verifies that you have the necessary insurance coverage in place. If your driving privileges were suspended or revoked and you must carry an SR-22, you must maintain continuous coverage for the period specified by the court or DMV.
This guide outlines what SR-22 insurance covers in Connecticut and explains how it impacts your annual premium rates should you require SR-22.
Who needs an SR-22 in Connecticut?
In Connecticut, individuals whose driving licenses were suspended or revoked due to certain violations may be required to obtain an SR-22.
Below are the violations that can trigger this requirement:
- 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
The requirement to carry an SR-22 in Connecticut usually lasts for a period of 3-5 years depending on the severity of the offense, which may vary based on the severity of the offense. During this period, you must carry 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:
- Reach out to your current insurance company: Most insurers file SR-22s, but your auto insurance rate increase will depend on the carrier.
- Compare quotes from other insurers: Shop around and compare quotes from different car insurance carriers who offer SR-22 coverage. Be transparent about your need for SR-22 to get accurate quotes.
- Meet state minimum liability requirements: Connecticut mandates a minimum of 25/50/25.
Filing the SR-22:
- Notify your insurer about your need for an SR-22. They will manage the paperwork and submit the form to the DMV on your behalf.
- Pay the fees. Be prepared to pay a filing fee for the SR-22 and a higher premium.
- Keep your insurance active. It’s crucial to avoid gaps in coverage.
Remember, an SR-22 requirement could lead to higher premiums based on your driving history. It’s important to shop around for quotes and practice safe driving to help lower the elevated rates.
Discover your options for getting SR-22 insurance without a valid license
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How much is SR-22 insurance in Connecticut?
The cost of car insurance in Connecticut is $1,984 per year for full coverage with an SR-22, which is $109 lower than the national average of $2,093 annually. However, having a DUI on your driving record can significantly increase your premium to an average of $4,853 per year for full coverage.
Besides the higher premium, many insurance companies charge a small fee to submit the SR-22 form. If your license is suspended, your only option for getting it reinstated is to buy car insurance and file the SR-22 form.
How much is SR-22 insurance per month in Connecticut?
Connecticut drivers with a DUI can expect to pay an average of $404 a month for full coverage insurance with an SR-22.
Not all insurance companies provide car insurance for high-risk drivers, so you may need to look into various insurers to find the one that does. But be prepared to pay higher premium costs due to driving infractions on your record.
However, by driving responsibly and avoiding speeding tickets, DUIs and other infractions, you can gradually improve your driving record and secure lower insurance rates in the future.
Affordable SR-22 insurance companies by state
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Geico offers the cheapest SR-22 car insurance rates to Connecticut drivers at an average annual premium of $1,250. Kemper and Progressive also offer affordable SR-22 car insurance rates in Connecticut, based on an in-depth analysis by CarInsurance.com.
After a DUI or other traffic violation in Connecticut, getting SR-22 insurance is a requirement. While the SR-22 form doesn’t impact insurance costs, the violations that necessitate it typically result in higher premiums. However, high-risk drivers can still find affordable auto insurance rates in Connecticut.
| Company | Full coverage rates without SR-22 | Full coverage rates after filling SR-22 |
|---|---|---|
| Geico | 1,242 | 1,249 |
| Kemper | 1,571 | 1,591 |
| Progressive | 1,708 | 1,933 |
| Nationwide | 1,766 | 2,003 |
| State Farm | 1,733 | 2,111 |
| Amica | 2,516 | 2,927 |
| Farmers | 2,192 | 3,596 |
| 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 SR-22 in Connecticut for a duration of 3-5 years depending on the severity of the offense It assures the Connecticut DMV that you’re consistently maintaining at least the minimum required coverage levels mandated by the state.
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.
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?
An SR-22 requirement can significantly impact your car insurance rates in Connecticut. Insurance companies often view drivers with an SR-22 as high-risk, which can lead to higher premiums.
The specific rate increase can vary depending on several factors, including the insurance company’s policies, driving record, the reason for needing the SR-22, and other personal factors.
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 don’t have a car but require an SR-22 in Connecticut, non-owner SR-22 insurance can help you reinstate your driving privileges and meet the SR-22 requirements.
Non-owner car insurance offers liability coverage for individuals who don’t own a vehicle. An added benefit is that some insurers can file the SR-22 form with the DMV for you, which may be required in certain situations.
Frequently asked questions: SR-22 insurance in Connecticut
How do I check my SR-22 status online in Connecticut?
You can easily check your SR22 status by visiting the official website of the Connecticut DMV and using their online services. Alternatively, you can contact the Connecticut DMV by phone to inquire about your SR-22 status, and they can provide you with the required information.
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 November 2024.
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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Laura Longero
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Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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Guide to car insurance (with rates) in cities of Connecticut