Cheapest SR-22 Car Insurance in Connecticut

GEICO offers Connecticut's cheapest SR-22 insurance at $2,177 for minimum coverage and $4,702 for full coverage. The minimum rate is $2,400 below the statewide average of $4,578, making GEICO about 52% cheaper than typical SR-22 prices in Connecticut's expensive market.

Nationwide, the most expensive on our list, costs $3,917 for minimum coverage, still 13% below the state average but $1,740 more than GEICO. Connecticut's high insurance costs make comparison shopping especially valuable for SR-22 filers.

The table below shows the five companies with the lowest SR-22 insurance rates in Connecticut.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

State Farm most often appears as the cheapest across categories. The least expensive group is Drivers With Other Violations, costing $810 for minimum coverage SR-22 insurance with GEICO, while the most expensive is Most Drivers Needing a SR-22, at $2,368 with State Farm. The $1,559 spread highlights Connecticut's wide pricing tiers for SR-22 coverage.

Your exact rate will vary according to the violation on your record and how insurers evaluate your risk level.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Somers offers the lowest minimum coverage SR-22 rate at $1,585 (State Farm), while Bridgeport averages $2,810 (Progressive). The $1,225 difference equals about 77% higher in the coastal city, consistent with urban claim frequency and repair costs.

Local traffic density, claim activity, and repair costs are key inputs insurers use to set city-level SR-22 rates in Connecticut.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Overall, Progressive stands as the best car insurance provider for SR-22 filing because it offers the strongest combination of affordable rates, quality customer service and comprehensive coverage options, earning it the highest overall MoneyGeek score. For additional options, consider Allstate, State Farm, GEICO and Nationwide in your search.

To comply with Connecticut laws, you must carry these minimum liability limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

In the state, SR-22 certificates are usually required for three years. It can be extended beyond three years, depending on the violation and if there is noncompliance with requirements or repeated offenses.

Connecticut drivers must understand various insurance laws and regulations beyond just filing an SR-22 for minimum coverage compliance.

In Connecticut, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts 2 to three years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

Below are frequently asked questions about SR-22 certifications in Connecticut:

MoneyGeek analyzed hundreds of thousands of quotes across Connecticut to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

Connecticut SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Connecticut's minimum coverage requirements, with the following limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.