SR-22 insurance in Connecticut costs an average of $1,102 per year, an increase of 7% compared to standard car insurance rates. In addition to an increased premium, it costs between $15 and $25 to file an SR-22 form in Connecticut, depending on the insurance company.
An SR-22 is a state-issued form verifying that a driver is carrying the minimum amount of car insurance coverage required by the state after they are convicted of a serious violation like DUI or reckless driving. Because an SR-22 designates the policyholder as high-risk, their insurance premium goes up while it’s on file with the state. Drivers in Connecticut who need to file an SR-22 will also lose any discount related to good driving that they may have previously qualified for.
The effect of an SR-22 on the cost of insurance is only temporary, though. In Connecticut, drivers only need to have their SR-22 on file for 3 years. After that, the driver’s premium will start to go back down, assuming they drive responsibly.
Drivers in Connecticut can get rid of their SR-22 certificate when their required coverage period is over – after 3 years. Sometimes, the DMV sends the driver a notice, letting them know that their SR-22 period is over.
If you’re not sure whether you’ve satisfied your SR-22 certification period, you can find out when you’ll be able to remove the high-risk SR-22 label from your driving record by contacting the DMV. Drivers who cancel their SR-22 coverage too early risk having their license suspended or facing fines.… read full answer
Once you have verified that your required coverage period is over, you can inform your insurance company. If your insurance company asks for verification, show them the correspondence between you and the DMV. Then your insurance company will file a form on your behalf to document that you no longer need your SR-22. After that, if you don’t own a car or won’t be driving, you’re free to cancel your insurance.
SR-22 insurance costs $742 to $1,465 per year ($62 to $122 per month), on average, depending on the insurer and the offense that led to the SR-22 requirement. Because an SR-22 flags you as a high-risk driver, your insurer will charge you more than the average policyholder, plus a filing fee of around $15-$25. “SR-22” refers to a form that your insurer will file with the state to prove you have enough coverage to drive legally.… read full answer
Premiums vary based on infraction, company, state, and individual driver. How much coverage you buy also makes a difference in cost. For instance, if you only buy the minimum amount of insurance required by your state, you can fulfill your SR-22 requirement for a lower price than if you purchased a full coverage policy. And since you only need to have an SR-22 for 1-5 years, depending on the state, your premium will eventually go back down.
An SR-22 in Connecticut is a certificate proving that a high-risk driver has the legal requirements for car insurance in Connecticut. So-called SR-22 insurance raises annual car insurance premiums by roughly 1 year in Connecticut, compared to standard rates. In addition, there’s usually a fee of $15 to $25 for your insurance company to file your SR-22 documentation with the state. … read full answer
Your SR-22 must be maintained with Connecticut’s licensing agency for 1 year, according to Connecticut law. If your insurance coverage lapses during that time, your insurance company is required to report you to the state. Your SR-22 period resets in that case, and you are required to pay any SR-22-related fees again.
What You Need to Know About SR-22 Insurance in Connecticut:
Who Needs SR-22 Insurance in Connecticut?Connecticut requires SR-22 documentation for drivers who are convicted of serious traffic violations. The list includes reckless driving, hit and run, and DUI, among other major offenses.
What is Minimum SR-22 Car Insurance Coverage in Connecticut: Drivers need at least $25,000 in bodily injury liability insurance per person ($50,000 per accident) plus $25,000 in property damage liability insurance. Drivers also need at least $25,000 per person in uninsured motorist coverage ($50,000 per accident).
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