SR-22 Insurance in Connecticut
Connecticut requires SR-22 insurance for Varies by offense after qualifying offenses. You must carry at least $25,000/$50,000 bodily injury and $25,000 property damage coverage. Common triggers include dui/dwi conviction, license suspension, driving without insurance. Some sources list Connecticut as not requiring SR-22, but the state does use SR-22 filings in certain circumstances. Connecticut also requires UM/UIM coverage.
Last updated:
Overview
In Connecticut, filing an SR-22 insurance form provides the state with an avenue to keep track of a driver's insurance and car ownership to monitor potential violations. The driver needs to keep their SR-22 continuously, avoiding any lapses, cancellations, or failures to pay. Lapsing on insurance can cause the SR-22 period to restart from scratch.
Key Facts
Minimum Coverage Requirements
What Triggers SR-22 Requirement
- DUI/DWI conviction
- License suspension
- Driving without insurance
- Multiple traffic violations
Cost
How to File
Contact Your Insurance Provider
Call your current auto insurance company and request an SR-22 filing. Not all insurers offer SR-22 — if yours doesn't, you'll need to find a new provider. Compare quotes from multiple companies to find the best rate.
Purchase Required Coverage
Ensure your policy meets Connecticut's minimum requirements: $25,000/$50,000 bodily injury and $25,000 property damage. UM/UIM coverage is also required.
Insurer Files SR-22 with the State
Your insurance company electronically files the SR-22 certificate with the Connecticut DMV/motor vehicle agency. This usually takes 1-3 business days. You'll receive a confirmation copy.
Apply for License Reinstatement
Once the SR-22 is on file, complete your license reinstatement process including paying the reinstatement fee and any outstanding fines or court costs.
Maintain Continuous Coverage for Varies by offense
Keep your SR-22 insurance active for the full required period of Varies by offense without any lapses. Set up autopay to avoid missed payments. If your policy lapses, your insurer will notify the state and your license may be re-suspended.
What Happens If Coverage Lapses
If your SR-22 insurance lapses in Connecticut, your insurer is required to notify the state DMV by filing an SR-26 form. This will likely result in immediate license suspension, potential fines, and a restart of the full SR-22 filing period (Varies by offense). Avoid any gaps in coverage by setting up automatic payments.
Important Notes
Some sources list Connecticut as not requiring SR-22, but the state does use SR-22 filings in certain circumstances. Connecticut also requires UM/UIM coverage.
Frequently Asked Questions
- How long do I need SR-22 insurance in Connecticut?
- In Connecticut, you typically need to maintain SR-22 insurance for Varies by offense. The clock starts from the date your SR-22 is filed with the state. Any lapse in coverage may reset this timeline.
- How much does SR-22 insurance cost in Connecticut?
- The SR-22 filing fee itself is typically $15-$50. However, the real cost is the insurance premium increase — expect to pay $300-$800+ more per year than standard rates. Total additional cost over the filing period is typically $1,000-$3,000+. Shop around and compare quotes to find the best rate.
- What triggers SR-22 requirement in Connecticut?
- Common triggers include: DUI/DWI conviction, License suspension, Driving without insurance, Multiple traffic violations. The specific requirement depends on the offense and may be determined by the court or DMV.
- What happens if my SR-22 lapses in Connecticut?
- If your SR-22 policy lapses, your insurance company is required to notify the Connecticut DMV. Your license will likely be re-suspended, and you may need to restart the entire SR-22 filing period from the beginning. You could also face additional fines and penalties.
- What are Connecticut's minimum coverage requirements for SR-22?
- Connecticut requires minimum coverage of $25,000 per person / $50,000 per accident for bodily injury and $25,000 for property damage. UM/UIM coverage is also required.
Take Action — Direct Links
- Connecticut DMV — License Reinstatement
Official information about license reinstatement requirements in Connecticut, including SR-22 filing instructions.
- Connecticut Minimum Insurance Requirements
Insurance Information Institute — Connecticut minimum coverage: $25,000/$50,000/$25,000.
- Compare SR-22 Insurance Quotes
Compare SR-22 insurance quotes from multiple providers to find the best rate.
More for Connecticut
Suspension periods, IID requirements, penalties, and step-by-step reinstatement process.
Reinstatement fees, restricted license options, IID requirements, and timeline.
Related Guides
Related Resources on This Site
More for your state
- HousingSecond chance apartments in Hartford, CT
- ExpungementConnecticut expungement guide
- Voting RightsFelon voting rights in Connecticut
- Gun RightsFelon gun rights in Connecticut
- DUI RecoveryDUI license recovery in Connecticut
- ProbationProbation & parole in Connecticut
- License ReinstatementLicense reinstatement in Connecticut
- Documents & IDID & documents in Connecticut
Helpful guides
- TransportationBuy here pay here car lots
- Background ChecksWhat shows up on a background check?
- Criminal LawFelony vs. misdemeanor — what's the difference?
- RightsCan a felon hunt? Bow, crossbow & muzzleloader