Connecticut SR-22 Insurance After DUI or Suspension

Connecticut's 25/50/25 minimums are among the lowest in the region and may not cover the full cost of a serious accident, leaving high-risk drivers financially exposed to lawsuits. Drivers with SR-22 requirements should consider higher limits such as 100/300/100, as a second at-fault accident while already in high-risk status can trigger both civil liability and policy cancellation. The Connecticut DMV requires continuous proof of liability coverage during the entire SR-22 period, with electronic filing sent directly from your carrier.

SR-22 is not a separate insurance policy but a certificate filed by your insurer with the Connecticut DMV proving you carry at least minimum liability coverage. Not all carriers offer SR-22 filing in Connecticut—standard carriers like GEICO and Progressive may non-renew policies requiring SR-22, pushing drivers to non-standard carriers that specialize in high-risk profiles.

Non-standard carriers specialize in writing policies for drivers with DUIs, suspensions, multiple violations, or SR-22 requirements that standard carriers decline.

Full coverage combines liability, comprehensive, and collision protection and is required if you finance or lease your vehicle, even with an SR-22 requirement.

Connecticut requires insurers to offer uninsured/underinsured motorist coverage at the same limits as your liability policy, though you can reject it in writing. If you carry SR-22 for an uninsured driving violation, declining UM/UIM coverage sends a poor signal to the DMV and your insurer about financial responsibility.