Winslow Arizona, Car Insurance Writer
@winslow_arizona
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 $105 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.
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 major offenses such as reckless driving, hit and run, and DUI.
- How Much Does SR-22 Insurance Raise Premiums in Connecticut? An SR-22 in Connecticut increases car insurance costs by approximately $105. That is roughly 10% more than the average Connecticut resident pays for car insurance.
- 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).
- How to File SR-22 Documentation in Connecticut: Your insurance company will file the SR-22 certificate with the state for you. For the next 1 year, you need to keep your insurance policy active with no lapse in coverage.
Summary: SR-22 Insurance in Connecticut
| SR22 Needed After | Serious traffic violation and/or license suspension |
| Required For | 1 year |
| Average Cost Increase | $105 |
| Min. Bodily Injury Liability Coverage | $25,000 per person / $50,000 per accident |
| Min. Property Damage Liability Coverage | $25,000 |
| Additional Coverage Needed | $25,000 per person / $50,000 per accident in uninsured motorist coverage |
People also ask
How much does SR-22 insurance cost in Connecticut?
Cheapest SR-22 Insurance in Connecticut
- Geico: $466 per year
- USAA: $521 per year
- Amica: $683 per year
- State Farm: $733 per year
- Electric Insurance: $782 per year
An SR-22 is a state-issued form verifying...
read full answerHow can I get the best high-risk auto insurance in Connecticut?
To get the best high-risk auto insurance in Connecticut, you should compare quotes from at least three different insurance companies. The best high-risk auto insurance companies in Connecticut are Geico,USAA, and State Farm because they offer the most competitive rates for high-risk drivers. You should also practice safe driving habits moving forward, so you can get even lower rates in the future.
Best High-Risk Auto Insurance Companies in Connecticut
Company | High-Risk Driver Premium | Average Driver Annual... |
How does car insurance work in Connecticut?
Connecticut is an at-fault state, which means that the at-fault driver is responsible for paying for everyone injured in the accident. There are no restrictions on the right to sue after an accident in at-fault states, even if the insured buys personal injury protection (PIP). Connecticut also requires uninsured motorist protection, which replaces the liability coverage another driver should have had and pays for your costs up to the policy limits.
Drivers in Connecticut...
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