Minimum Coverage Requirements in Connecticut
Connecticut is a traditional tort state, meaning the at-fault driver's insurance pays for injuries and damage. The Connecticut Department of Motor Vehicles requires continuous SR-22 filing for 3 years after a DUI conviction, and any policy lapse triggers immediate license suspension. If you receive a DUI conviction, the DMV mails an SR-22 requirement notice within 10 business days of conviction, and you have 30 days to file before suspension.
How Much Does Car Insurance Cost in Connecticut?
Connecticut SR-22 rates after DUI are higher than standard rates because most mainstream carriers non-renew DUI policies at term, forcing drivers into the non-standard market. First-offense standard DUI convictions typically add 80–120% to premiums, while aggravated DUI or repeat-offense convictions can double or triple base rates.
What Affects Your Rate
- Conviction class: first-offense standard DUI adds 80–100% to base rates, while aggravated DUI (BAC over 0.16, minor in vehicle, injury, refusal) adds 120–150%.
- Carrier market: Bristol West, Dairyland, and The General write SR-22 policies in Connecticut for DUI drivers, while State Farm and Geico typically non-renew at policy term.
- Filing duration start date: Connecticut counts the 3-year filing period from conviction date, not reinstatement date, so drivers who delay reinstatement do not shorten the filing period.
- Payment plan structure: non-standard carriers in Connecticut require 6-month payment in full or charge 10–15% installment fees for monthly payment plans.
- Restricted license overlap: drivers with ignition interlock device requirements pay an additional $75–$150/month for IID installation and monitoring, separate from insurance premiums.
- License suspension length: longer suspensions before reinstatement correlate with higher premiums because carriers view delayed compliance as higher risk.
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SR-22 Insurance
An SR-22 is a state-mandated filing proving you carry continuous liability insurance for 3 years after a DUI conviction in Connecticut. Your insurer files the SR-22 electronically with the Connecticut DMV, and any lapse triggers immediate license suspension.
Non-Owner SR-22
Non-owner SR-22 provides liability coverage when you do not own a vehicle but need to satisfy Connecticut's SR-22 filing requirement. Common for drivers whose vehicle was impounded, who rely on public transit, or who drive employer or family vehicles.
Liability Insurance
Bodily injury and property damage liability coverage pays for injuries and damage you cause to others in an at-fault accident. Connecticut requires 25/50/25 minimums, but post-DUI civil liability often exceeds these limits.
Uninsured Motorist Coverage
Uninsured motorist coverage pays your medical bills and lost wages if you are hit by a driver without insurance or a hit-and-run driver. Connecticut requires it at the same limits as your bodily injury liability unless you reject it in writing.
