Connecticut SR-22 & High-Risk Auto Insurance
Connecticut requires 25/50/25 liability coverage and is an at-fault state.
Find Coverage with Points on Your LicenseConnecticut 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
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Connecticut
Drivers convicted of DUI, driving with a suspended license, or causing an uninsured accident typically must file SR-22 proof of financial responsibility with the Connecticut Department of Motor Vehicles for 3 years. The state uses a point system where 12 points in 2 years triggers a suspension, and points remain on your driving record for 2 years from the violation date.
Liability Insurance
Uninsured/Underinsured Motorist Coverage
Full Coverage
SR-22 Insurance
Non-Standard Auto Insurance
What Drivers Pay in Connecticut
$299–$369/mo
Typical monthly rate in Connecticut, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Violation type: DUI, reckless driving, and license suspensions carry the highest surcharges in Connecticut
- Points on license: 6–11 points typically double rates; 12+ triggers suspension and SR-22 requirement
- Time since violation: Rates decline as violations age — most moving violations fall off after 3 years, DUIs after 10 years
- Carrier availability: Not all insurers write high-risk or SR-22 policies in Connecticut, so shopping is essential
See What Points Are Really Costing You
Find Coverage with Points on Your LicenseCoverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others. Connecticut's 25/50/25 minimums are mandatory, but a serious accident can easily exceed these limits and leave you personally liable for the difference.
Full Coverage
Liability plus comprehensive and collision for your vehicle. Required by lenders and lessors, and the only way to replace your car if you're at fault or it's stolen or damaged.
SR-22 Insurance
SR-22 is a certificate filed by your insurer proving you carry at least state-minimum liability. It's required after DUI, uninsured accidents, or license suspensions, and must stay active for 3 years without lapse.
Non-Standard Auto Insurance
Policies for drivers with DUI, suspensions, multiple violations, or SR-22 requirements. Non-standard carriers accept higher-risk profiles that standard insurers decline or price out of reach.
Uninsured Motorist Coverage
Covers your injuries and damages if you're hit by a driver with no insurance or insufficient coverage. Not required in Connecticut, but approximately 13% of drivers are uninsured.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, regardless of who caused it. Required by lenders and recommended for vehicles worth more than a few thousand dollars.