Cheapest SR-22 Car Insurance in Connecticut

State Farm provides the cheapest SR-22 insurance in Connecticut at $197 monthly for minimum coverage and $335 for full coverage, about 45% lower than the state's average rates. However, this pricing reflects rates for 40-year-old drivers with a DUI on record. Allstate, Progressive, GEICO and Kemper might offer better rates for your specific situation.

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

State Farm leads SR-22 coverage in Connecticut, winning four out of seven categories including senior drivers and racing violations. GEICO follows closely by offering the lowest rates in three categories, including young drivers and those with multiple speeding tickets.

* 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.

Our analysis covers broad insurance trends, but your rates depend on personal factors. Check the table below to find the five most affordable providers based on your age, gender, coverage needs, credit score and driving history.

State Farm offers the most affordable SR-22 car insurance across Connecticut cities, with rates starting at $132 per month depending on your location. Below, you can review its rates for major cities in the state.

* 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.

SR-22 car insurance in Connecticut costs an average of $4,103 annually for minimum coverage and $6,727 for full coverage policies. Connecticut ranks 42nd in affordability for both coverage types. Monthly rates vary widely based on driver profiles, ranging from $128 to $1,812.

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

Based on our analysis, Somers offers the lowest SR-22 minimum coverage rates in Connecticut at $215 monthly, while Bridgeport has the highest at $372 per month. Below you can review costs for major cities in the state for both full and minimum required coverage policies.

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

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.