Minimum Coverage Requirements in Connecticut
Connecticut requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. The Connecticut Department of Motor Vehicles mandates SR-22 certificate filing for drivers with DUI convictions, multiple at-fault accidents, repeated violations, license suspensions, or uninsured driving citations. SR-22 filing typically lasts 3 years from the date of conviction or reinstatement, and any lapse in coverage during that period restarts the requirement clock and triggers immediate license suspension.
How Much Does Car Insurance Cost in Connecticut?
High-risk drivers in Connecticut pay significantly more than standard-risk drivers due to violation surcharges, SR-22 filing requirements, and limited carrier competition in the non-standard market. A DUI conviction typically raises premiums by 80–140%, while multiple at-fault accidents or a suspension for points can increase rates by 60–100%. Rates vary widely by violation type, age, location, and whether you need liability-only or full coverage with SR-22 filing.
What Affects Your Rate
- Violation type: DUI convictions carry the highest surcharges (80–140% increase), while at-fault accidents and suspensions typically add 60–100%
- SR-22 filing duration remaining: drivers in year 1 of a 3-year requirement pay more than those in year 3, as risk decreases with clean driving time
- Urban vs. rural location: Hartford, New Haven, and Bridgeport drivers pay 15–25% more than rural Connecticut drivers due to accident frequency and uninsured motorist rates
- Age and experience: drivers under 25 with SR-22 requirements face compounded surcharges, often paying $400–$600/mo for full coverage
- Carrier type: non-standard carriers specializing in SR-22 may charge 10–30% more than standard carriers willing to write high-risk policies
- Payment plan: paying in full saves 5–10% compared to monthly installments, though non-standard carriers often require 30–50% down payment
See how much your violation actually affects your rates
Not every carrier surcharges the same way. Compare quotes from carriers that rate violations differently.
Get Your Free QuoteCoverage Types
SR-22 Insurance
Certificate of financial responsibility filed by your insurer with the Connecticut DMV proving continuous liability coverage. Required for DUI, suspensions, uninsured violations, and court orders.
Non-Standard Auto Insurance
Policies from carriers specializing in high-risk drivers with DUIs, suspensions, SR-22 requirements, or multiple violations that standard carriers decline to write.
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. Connecticut requires 25/50/25 minimums, but higher limits protect assets from lawsuits.
Full Coverage
Liability, comprehensive, and collision protection required for financed or leased vehicles. Covers both damage you cause and damage to your own car from accidents, theft, weather, or vandalism.
Uninsured Motorist Coverage
Covers your injuries and vehicle damage when an at-fault driver lacks insurance or flees the scene. Connecticut requires insurers to offer UM/UIM at the same limits as your liability coverage.
High-Risk Auto Insurance
Coverage for drivers classified as high-risk due to DUI, suspensions, at-fault accidents, lapses, or multiple violations. Often requires non-standard carriers and higher premiums.
