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Cheapest SR-22 Car Insurance in Connecticut (2023)


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Updated: Oct 26, 2023
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If you need SR-22 car insurance in Connecticut, State Farm is the most cost-effective option. For car owners, its rates are around $525 per year for minimum coverage and $1,031 per year for full coverage. Progressive is the second-cheapest provider, with average annual premiums of $817 and $1,490 for minimum and full coverage, respectively.

State Farm also offers the cheapest non-owner SR-22 car insurance at around $504 per year. Another affordable choice is GEICO, with rates averaging $553 per year.

An SR-22 is a document that verifies a driver's compliance with the state's minimum car insurance requirements following specific driving violations or offenses.

While car insurance after filing an SR-22 often comes at a higher cost, there are still affordable options available in Connecticut. By comparing quotes from different insurers, you can find policies that meet your needs and budget.

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2023

Cheapest Companies for SR-22 Car Insurance in Connecticut

Cheapest Companies for SR-22 Car Insurance in Connecticut

For Connecticut drivers with a DUI, the most affordable SR-22 car insurance policies for minimum coverage are from:

For full coverage SR-22 auto insurance, the cheapest options are as follows:

  • State Farm: $1,031 per year
  • Progressive: $1,490 per year

If you commit a driving offense, it's typical for car insurance premiums to increase as insurers perceive you as high risk and more likely to file claims. However, you can still get affordable rates for SR-22 insurance by comparing quotes from different providers.

The following table lists cheap SR-22 car insurance options in Connecticut, ranging from $525 to $10,384 annually.

Company
Annual Premium
Monthly Premium

GEICO

$319

$27

GEICO

$326

$27

GEICO

$369

$31

GEICO

$378

$31

GEICO

$405

$34

Amica Mutual

$435

$36

Amica Mutual

$442

$37

State Farm

$444

$37

GEICO

$446

$37

GEICO

$464

$39

State Farm

$467

$39

Amica Mutual

$484

$40

GEICO

$490

$41

State Farm

$499

$42

State Farm

$499

$42

State Farm

$499

$42

State Farm

$525

$44

State Farm

$525

$44

State Farm

$525

$44

Amica Mutual

$527

$44

Amica Mutual

$534

$44

Kemper

$537

$45

Amica Mutual

$540

$45

Amica Mutual

$547

$46

State Farm

$552

$46

Nationwide

$559

$47

Nationwide

$559

$47

Kemper

$566

$47

Amica Mutual

$576

$48

GEICO

$578

$48

Nationwide

$579

$48

Amica Mutual

$590

$49

Kemper

$593

$49

Nationwide

$602

$50

State Farm

$624

$52

State Farm

$624

$52

State Farm

$624

$52

Allstate

$668

$56

Allstate

$668

$56

GEICO

$683

$57

Allstate

$683

$57

Allstate

$683

$57

Nationwide

$691

$58

Nationwide

$691

$58

GEICO

$693

$58

Progressive

$739

$62

Progressive

$742

$62

Kemper

$747

$62

Kemper

$783

$65

Progressive

$785

$65

GEICO

$791

$66

GEICO

$803

$67

Progressive

$817

$68

Allstate

$825

$69

Allstate

$825

$69

Kemper

$826

$69

Progressive

$852

$71

Kemper

$854

$71

Amica Mutual

$855

$71

Progressive

$858

$72

Progressive

$864

$72

Nationwide

$867

$72

Amica Mutual

$868

$72

State Farm

$869

$72

Progressive

$874

$73

GEICO

$880

$73

Nationwide

$895

$75

Kemper

$901

$75

Progressive

$909

$76

State Farm

$924

$77

Kemper

$954

$79

Amica Mutual

$955

$80

Allstate

$961

$80

State Farm

$968

$81

State Farm

$968

$81

State Farm

$968

$81

GEICO

$971

$81

Allstate

$986

$82

GEICO

$1,001

$83

GEICO

$1,015

$85

Nationwide

$1,022

$85

Nationwide

$1,022

$85

State Farm

$1,031

$86

State Farm

$1,031

$86

State Farm

$1,031

$86

GEICO

$1,033

$86

Kemper

$1,040

$87

Amica Mutual

$1,043

$87

Nationwide

$1,043

$87

Nationwide

$1,052

$88

Amica Mutual

$1,055

$88

Progressive

$1,068

$89

Amica Mutual

$1,068

$89

Nationwide

$1,081

$90

Amica Mutual

$1,082

$90

Kemper

$1,083

$90

Nationwide

$1,088

$91

Nationwide

$1,129

$94

Progressive

$1,129

$94

State Farm

$1,135

$95

Progressive

$1,137

$95

Allstate

$1,140

$95

Amica Mutual

$1,142

$95

Amica Mutual

$1,169

$97

Allstate

$1,171

$98

GEICO

$1,179

$98

Allstate

$1,203

$100

GEICO

$1,223

$102

Kemper

$1,227

$102

Nationwide

$1,229

$102

Allstate

$1,238

$103

Allstate

$1,238

$103

Amica Mutual

$1,239

$103

Amica Mutual

$1,245

$104

GEICO

$1,251

$104

Progressive

$1,260

$105

State Farm

$1,272

$106

State Farm

$1,272

$106

State Farm

$1,272

$106

Nationwide

$1,278

$107

Nationwide

$1,278

$107

Allstate

$1,282

$107

Allstate

$1,282

$107

Amica Mutual

$1,288

$107

Progressive

$1,311

$109

Kemper

$1,312

$109

Kemper

$1,380

$115

Kemper

$1,425

$119

Allstate

$1,436

$120

Progressive

$1,454

$121

Kemper

$1,464

$122

Kemper

$1,469

$122

Progressive

$1,490

$124

Progressive

$1,539

$128

Progressive

$1,566

$130

Nationwide

$1,574

$131

Kemper

$1,581

$132

Allstate

$1,594

$133

Allstate

$1,594

$133

Progressive

$1,611

$134

Kemper

$1,639

$137

Progressive

$1,661

$138

Nationwide

$1,662

$139

Kemper

$1,673

$139

Allstate

$1,731

$144

Progressive

$1,781

$148

Allstate

$1,795

$150

Hanover

$1,834

$153

Kemper

$1,871

$156

Nationwide

$1,908

$159

Nationwide

$1,914

$160

Nationwide

$1,996

$166

Allstate

$2,006

$167

Progressive

$2,023

$169

Allstate

$2,082

$174

Progressive

$2,092

$174

GEICO

$2,201

$183

Progressive

$2,230

$186

Nationwide

$2,248

$187

Hanover

$2,254

$188

Allstate

$2,269

$189

Hanover

$2,270

$189

GEICO

$2,417

$201

Amica Mutual

$2,481

$207

Amica Mutual

$2,494

$208

Kemper

$2,494

$208

Kemper

$2,579

$215

Amica Mutual

$2,582

$215

GEICO

$2,620

$218

Allstate

$2,642

$220

Kemper

$2,958

$246

Hanover

$2,982

$249

Hanover

$3,059

$255

Hanover

$3,067

$256

Hanover

$3,515

$293

Hanover

$3,665

$305

Hanover

$4,057

$338

Hanover

$4,109

$342

Hanover

$4,281

$357

Hanover

$4,608

$384

Hanover

$5,318

$443

Hanover

$5,486

$457

Hanover

$5,919

$493

Hanover

$6,586

$549

Hanover

$7,070

$589

Hanover

$7,570

$631

Hanover

$10,384

$865

Hanover

$13,564

$1,130

Hanover

$17,018

$1,418

Hanover

$20,785

$1,732

Hanover

$24,256

$2,021

Hanover

$30,098

$2,508

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What Is SR-22 in Connecticut?

You may be required to file an SR-22 in Connecticut if you commit specific traffic violations. It's not a type of insurance but a mandated certificate of financial responsibility.

The following are some common scenarios that typically require an SR-22:

  • Driving under the influence (DUI) or other serious driving offenses
  • Driving without insurance
  • Multiple violations within a short period
  • Restoring a suspended or revoked license
  • Insufficient insurance coverage after an accident

In Connecticut, the duration of the SR-22 filing period ranges from one to five years, depending on the seriousness of the offense. Multiple violations often lead to longer filing periods.

Your car insurance provider is responsible for filing the SR-22 form on your behalf as mandated by Connecticut law. However, as you will be considered a high-risk driver, it's important to note that your insurance premiums may increase.

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MONEYGEEK EXPERT TIP

After meeting the obligations of your financial responsibility requirement in Connecticut, your insurance provider is required to submit a Financial Responsibility Cancellation Form. This form notifies the state that your mandatory SR-22 filing period has ended, relieving you of the obligation to keep an SR-22 form on file.

Cheapest Companies for Non-Owner SR-22 Car Insurance in Connecticut

According to MoneyGeek's research, the most affordable non-owner SR-22 car insurance options in Connecticut are as follows:

Individuals with a military background should also consider a USAA policy, which costs approximately $590 per year.

Even if you don't own a vehicle, you may still be required to file an SR-22 in certain situations. You may need to get non-owner car insurance if your car was totaled or if you need to reinstate your license.

The table below displays the most affordable non-owner car insurance providers in Connecticut, with rates ranging from approximately $504 to $1,201 per year.

Company
Annual Premium
Monthly Premium

Kemper

$377

$31

GEICO

$416

$35

State Farm

$467

$39

State Farm

$504

$42

GEICO

$553

$46

Kemper

$611

$51

Nationwide

$792

$66

Progressive

$832

$69

Nationwide

$993

$83

Progressive

$1,201

$100

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WHAT IS NON-OWNER CAR INSURANCE?

Non-owner car insurance offers liability coverage for injuries and property damage that you cause to others. However, it doesn’t extend to your own vehicle or injuries. It's a good option for renters, rideshare drivers, professional drivers and individuals who need to file SR-22 forms without owning a car.

MoneyGeek has compiled a list of the most affordable non-owner car insurance options in Connecticut to help you discover the best deals available.

Average Cost of SR-22 Car Insurance in Connecticut

Connecticut drivers with a DUI conviction can expect to pay an average of $2,173 per year for minimum coverage and $4,286 per year for full coverage SR-22 car insurance. Other violations like speeding or at-fault accidents may also require the filing of an SR-22.

Having driving offenses on your record generally leads to higher car insurance premiums since insurers consider you a riskier driver to insure. To prevent unnecessary rate increases, it’s crucial to maintain a clean driving record and follow safe driving practices.

Driving Record
Annual Premium
Monthly Premium

Ticket

$2,037

$170

At-Fault Accident

$2,179

$182

Clean

$1,343

$112

DUI

$2,173

$181

Ticket

$916

$76

At-Fault Accident

$1,074

$89

At-Fault Accident

$1,203

$100

At-Fault Accident

$2,048

$171

At-Fault Accident

$1,330

$111

Ticket

$1,613

$134

Clean

$661

$55

Clean

$1,672

$139

Clean

$864

$72

Ticket

$818

$68

DUI

$3,115

$260

DUI

$4,735

$395

DUI

$4,286

$357

Clean

$1,305

$109

At-Fault Accident

$2,490

$207

DUI

$2,592

$216

Clean

$708

$59

DUI

$5,713

$476

Ticket

$1,698

$141

Ticket

$1,070

$89

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MONEYGEEK EXPERT TIP

It’s wise to compare car insurance rates from different companies each year or when you’re renewing your SR-22 coverage in Connecticut. Doing so will ensure that you're getting the lowest rates and can help you save a lot of money over time.

How SR-22 Affects Car Insurance Rates in Connecticut

When filing an SR-22 in Connecticut, drivers can anticipate an average premium increase of $1,470 as they are considered riskier to insure. However, actual rates can vary based on factors like the offense committed, preferred coverage level and driving record.

Common reasons for needing to file an SR-22 include driving without adequate insurance, hardship licenses, DUI offenses and repeated traffic violations. Being aware of these situations and their impact on insurance rates can help you make informed decisions and maintain responsible driving habits.

Car Insurance Rate Comparison Based on Driving Records in Connecticut

carInsurance
Clean Driving Record

Annual Premium for Minimum Coverage

$703
accident2
After a DUI

Annual Premium for Minimum Coverage

$2,173
Car insurance premiums after a DUI are on average: :$1,470 more

This is 209% more expensive.

Other Effects of SR-22 on Car Insurance in Connecticut

Filing an SR-22 in Connecticut can have other consequences beyond premium increases. Here are some potential outcomes associated with having an SR-22 on file.

1

Limited number of insurance options

Insurance companies often consider drivers who have filed an SR-22 high-risk drivers, which can limit the number of providers willing to cover you compared to drivers with a clean record.

2

Possible policy cancellation

Your current insurer may choose to cancel your existing car insurance policy if you’ve committed a violation that requires an SR-22 form. It's crucial to be aware of this possibility and explore alternative insurance options to maintain continuous coverage.

3

Length of required filing

SR-22 filing requirements in Connecticut vary in duration depending on the severity of the violation and usually range from one to five years. It’s important to know the specific requirements for your violation and ensure compliance with the mandated filing period to legally maintain your driving privileges.

4

Filing fees

If you're mandated to file an SR-22, there may be a one-time filing fee that ranges from $15 to $50. This fee is an additional cost to consider when evaluating the financial impact of your SR-22 requirements.

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How to Get SR-22 Insurance in Connecticut

When seeking car insurance following a driving violation in Connecticut, you generally need to:

  1. Locate an insurer that offers coverage for drivers with violations.
  2. Obtain a policy that meets Connecticut’s minimum liability requirements.
  3. Ask your insurer to submit an SR-22 form on your behalf.
  4. Pay any required fees related to the SR-22 filing and maintain an up-to-date form.

By following these steps, you can demonstrate to the relevant authorities that you are taking responsibility for your driving history and maintaining adequate insurance coverage.

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CONNECTICUT LICENSE REINSTATEMENT FEE

The current license reinstatement fee in Connecticut following the acquisition of an SR-22 is $175. However, it’s advised to consult your local DMV for the most up-to-date and accurate information on SR-22 and license reinstatement fees, as these fees may be subject to revision over time.

How to Get Cheaper Car Insurance in Connecticut After a DUI

Car insurance after a DUI conviction is often more expensive, but there are steps you can take to lower your overall insurance costs. For example, comparing quotes from various insurers for SR-22 car insurance, keeping a clean driving record and taking advantage of available discounts can potentially reduce your insurance premiums.

  • find icon

    Compare quotes immediately

    To improve your chances of finding affordable SR-22 car insurance in Connecticut following a DUI, it's a good idea to compare quotes from different insurers right away. Since insurance providers assess risk differently, their prices can vary. Obtain quotes from multiple insurers and carefully compare them to identify the most cost-effective options.

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    Complete DUI classes or programs

    Participating in Connecticut's DUI programs following a DUI conviction can help decrease the likelihood of future offenses and highlights your dedication to responsible driving, which may result in lower insurance rates.

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    Look for discounts

    A DUI conviction may make you ineligible for certain discounts like safe- or good-driver discounts. However, there are still plenty of other discounts you can potentially qualify for. For example, buying bundled policies, having a low mileage or installing anti-theft devices in your vehicle can potentially lead to savings. Exploring these options can help mitigate the impact of a DUI conviction on your insurance expenses.

  • seatbelt icon

    Practice safe driving

    Take proactive measures to prevent getting additional offenses on your driving record. Practice safe driving and follow traffic laws to minimize risks. A clean driving record will lower your insurance rates and preserve your driving privileges.

  • calendar icon

    Shop rates over time

    Regularly compare rates from insurance companies before your policy renews since they can fluctuate over time. Even if you currently have the best rate, staying proactive and reviewing your options ensures that you continue to get the best deal and save money in the long run.

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MONEYGEEK EXPERT TIP

Non-standard car insurance is designed for high-risk drivers who may have a history of accidents or other risk factors. This specialized insurance offers coverage that may be difficult to find elsewhere. While it’s usually more expensive compared to traditional auto insurance, it can be a valuable option when your choices of insurers are limited.

Frequently Asked Questions About SR-22 Insurance in Connecticut

MoneyGeek answered common questions regarding SR-22 car insurance in Connecticut to help you learn more about the topic.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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