Minimum Coverage Requirements in Connecticut
Connecticut requires minimum liability coverage of 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. 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.
How Much Does Car Insurance Cost in Connecticut?
High-risk auto insurance premiums in Connecticut are driven by violation type, points on your license, at-fault accident history, and whether you need SR-22 filing. A single speeding ticket can raise rates 15–25%, while a DUI can triple or quadruple premiums. Rates recover over time as violations age off your record and you maintain a clean driving history, but the first 2–3 years post-violation carry the steepest costs.
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
- At-fault accidents: A single at-fault accident raises premiums 20–40%; multiple accidents may move you to non-standard market
- SR-22 filing: The $15–$35 filing fee is negligible, but SR-22 status signals high risk and limits carrier options
- 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
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage 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.
