Cheapest SR-22 Car Insurance in Connecticut (2023)
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, Content DirectorIf 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.
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:
- State Farm: $525 per year
- Progressive: $817 per year
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.
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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.
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:
- State Farm: $504 per year
- GEICO: $553 per year
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.
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.
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
Annual Premium for Minimum Coverage
$703Annual Premium for Minimum Coverage
$2,173This 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.
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.
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.
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.
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:
- Locate an insurer that offers coverage for drivers with violations.
- Obtain a policy that meets Connecticut’s minimum liability requirements.
- Ask your insurer to submit an SR-22 form on your behalf.
- 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.
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.
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.
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.
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.
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.
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.
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

sources
- Connecticut DMV. "Pay License Reinstatement Fee." Accessed June 8, 2023.
- Connecticut Department of Mental Health and Addiction Services. "Pretrial Intervention Program (PTIP)." Accessed June 8, 2023.