Cheapest SR-22 Car Insurance in Connecticut (2023)

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.

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.

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.

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.

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.

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.

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.

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.

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.

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