A two-lane road with a double yellow center line curves past a grass field toward distant hills, with orange and red maple leaves in close focus on the right.

Connecticut SR-22 Insurance After Your Requirement Ends

Connecticut requires 25/50/25 liability coverage and is an at-fault state.

Find Affordable Coverage After SR-22

Connecticut at a Glance

25/50/25

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Required

Uninsured motorist coverage must be on every policy

$175

State license reinstatement fee, about 10 days to process

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Connecticut

Drivers with DUI convictions, suspended licenses, uninsured accidents, or multiple serious violations typically face SR-22 filing requirements administered by the Connecticut Department of Motor Vehicles. The SR-22 is not insurance itself but a certificate your insurer files proving continuous coverage. For drivers exiting their SR-22 period, these minimums represent the legal floor—not the optimal coverage for protecting your newly restored driving privileges.

Bodily Injury Liability

Connecticut's 25/50 minimum is among the lowest in the Northeast and may expose you to significant financial risk. Post-SR22 drivers shopping for standard coverage should consider 100/300 limits to demonstrate financial responsibility to new carriers. Many insurers offer better rates on higher limits than on state minimums for drivers with completed SR-22 periods, as higher limits signal lower risk of future claims.

Property Damage Liability

Uninsured/Underinsured Motorist Coverage

Connecticut law requires UM/UIM coverage at the same limits as your bodily injury liability unless you explicitly reject it in writing.

SR-22 Certificate Filing

The SR-22 is a certificate filed by your insurer with the Connecticut DMV proving you maintain continuous liability coverage at or above state minimums. Once your requirement period ends—typically 3 years from the violation date—the DMV sends written notice that filing is no longer required. You must then request your insurer to remove the SR-22 and shop aggressively for standard coverage, as rates will not automatically drop. Many drivers remain with non-standard carriers for years after their requirement ends simply because they never proactively shopped for new coverage.

Comprehensive and Collision Coverage

Connecticut does not mandate comprehensive or collision coverage, but lenders require it on financed vehicles. If you're exiting your SR-22 requirement and carry full coverage, shop at least 3–4 carriers within 30 days of your filing end date. Comprehensive covers non-collision events like theft, vandalism, and weather damage; collision covers at-fault accidents regardless of your violation history.

What Drivers Pay in Connecticut

$351–$602/mo

Typical monthly rate in Connecticut, high-risk drivers after a DUI

Rate data: ValuePenguin and Insurify, 2026

What Affects Your Rate

Time elapsed since SR-22 filing ended—rates drop most sharply in months 1–12 after removal
Original violation type—DUI and uninsured accidents carry longer rate impacts than administrative suspensions
Current driving record—a single speeding ticket in year one after SR-22 removal can delay access to preferred carriers by 12–18 months
Credit-based insurance score (where permitted)—improving credit during your SR-22 period accelerates post-filing rate recovery

A man in a tan jacket and jeans leans against the rear bumper of a dark pickup truck on gravel, looking toward distant hills at sunset.

Your SR-22 Is Over. Your Rate Should Drop Too

Find Affordable Coverage After SR-22

If your license is suspended

Special Use Permit (Special Operators Permit) for suspended drivers

application fee $100, about 10 days to process.

A coverage lapse is reported

The state acts on a lapse after 14 days.

Source: state DMV, insurance department and statute records, verified July 2026

Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others. Connecticut's 25/50/25 minimums are low by regional standards—a single serious accident can exceed $100,000 in combined claims. Post-SR22 drivers should carry 100/300/100 to protect assets and demonstrate responsibility to standard carriers.

SR-22 Insurance

An SR-22 is a certificate filed by your insurer proving you carry state-minimum liability coverage. It is not a separate insurance policy but a compliance filing required for serious violations. The filing itself costs $15–$35, but premiums are elevated due to non-standard carrier assignment.

Full Coverage Insurance

Combines liability, comprehensive, and collision coverage. Comprehensive covers non-collision events (theft, weather, vandalism); collision covers vehicle damage from accidents you cause. Lenders require both on financed vehicles regardless of your SR-22 status.

Uninsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient coverage. Connecticut law requires UM/UIM at the same limits as your bodily injury liability unless you reject it in writing. An estimated 11–13% of Connecticut drivers are uninsured, making this coverage critical for post-SR22 drivers who cannot afford another claim.

Non-Standard Auto Insurance

Insurance for drivers with violations, suspensions, or SR-22 requirements who cannot qualify for standard carrier rates. Non-standard policies are more expensive but provide the state-required coverage and SR-22 filing needed for license reinstatement.

Comprehensive Coverage

Covers damage to your vehicle from non-collision events: theft, vandalism, fire, weather, animal strikes, and falling objects. Comprehensive claims typically do not raise rates as steeply as at-fault collision claims, making this coverage valuable for post-SR22 drivers protecting their investment.