State Farm offers the cheapest SR-22 insurance in Connecticut at $68 monthly for minimum coverage, 71% cheaper than the state average of $237. Progressive leads at $132 for full coverage.
Cheapest SR-22 Car Insurance in Connecticut
Updated: March 3, 2025
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Cheap Connecticut SR-22 Insurance: Key Takeaways
State Farm offers Connecticut's most affordable non-owner SR-22 insurance at $42 monthly.
Connecticut's monthly average cost of SR-22 insurance is $237 for minimum coverage and $480 for full coverage.
Connecticut requires $25,000 bodily injury liability per person, $50,000 per accident and $25,000 for property damage, among other state minimums.
Cheapest SR-22 Car Insurance in Connecticut
| State Farm | $68 | $133 |
| Progressive | $70 | $132 |
| GEICO | $118 | $255 |
| Allstate | $123 | $210 |
| Kemper | $124 | $232 |
| Nationwide | $132 | $239 |
| Amica | $200 | $412 |
| Hanover | $1,062 | $2,224 |
Cheapest Non-Owner SR-22 Insurance in Connecticut
State Farm offers Connecticut's cheapest non-owner SR-22 insurance at $42 monthly or $504 annually. Drivers without a car who need an SR-22 filing can buy non-owner insurance to meet state minimum coverage requirements.
Here is a table of providers offering non-owner SR-22 insurance in Connecticut and the average minimum coverage costs.
| State Farm | $504 | $42 |
| GEICO | $553 | $46 |
| Kemper | $611 | $51 |
| Nationwide | $993 | $83 |
| Progressive | $1,201 | $100 |
How Much Is SR-22 Insurance in Connecticut?
The average cost of car insurance in Connecticut for drivers with an SR-22 average is $2,846 annually for minimum coverage, which is 186% more than the $995 paid by those with clean records.
For full coverage, SR-22 drivers spend an average of $5,758 annually, compared to $1,896 for those without an SR-22 — a 204% increase.
| Full Coverage | $480 | $5,758 |
| Minimum Coverage | $237 | $2,846 |
SR-22 FILING FEE IN CONNECTICUT
Connecticut insurance providers usually charge a filing fee for an SR-22, typically ranging from $15 to $25. This fee is separate from your minimum coverage premium.
Average Cost of SR-22 Car Insurance in Connecticut by Violation
Having an SR-22 form doesn’t raise your insurance rate by itself. The cost depends on the violation on your driving record. The table below compares the price of SR-22 insurance for common violations across age groups.
Data filtered by:Results filtered by:
Select
Driving Record:At-fault Accident
Select
Age Group:30-59
| Full Coverage | $2,694 | $224 |
| Minimum Coverage | $1,399 | $117 |
What Is SR-22 Insurance in Connecticut?
An SR-22 form confirms you have the state's minimum coverage. It's required after certain driving violations to get your license back. Filing an SR-22 often increases insurance costs because insurers classify you as high-risk.
Connecticut SR-22 Car Insurance Laws
An SR-22, also called an SR-22 bond or certificate of financial responsibility, isn't an insurance policy. Instead, it's a form your insurer files to tell state officials you have enough liability insurance to meet the reinstatement requirements under Connecticut's Financial Responsibility law.
Connecticut SR-22 Requirements
After serious traffic violations, having an SR-22 is required for three years. This form proves you meet Connecticut's minimum coverage requirements. Drivers must have the liability limits listed below to comply with SR-22 laws:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- $25,000 uninsured/underinsured motorist coverage per person
- $50,000 uninsured/underinsured motorist coverage per accident
- $25,000 uninsured/underinsured property damage per accident
Why Do I Need SR-22 Insurance in Connecticut?
Connecticut requires an SR-22 for those with serious driving offenses to keep or reinstate their license. Courts often require drivers to file an SR-22 after committing the following violations:
Serious traffic offenses
Drivers with serious traffic offenses may be deemed high-risk and need an SR-22. Non-owner insurance ensures they're covered when driving a borrowed vehicle, maintaining insurance history for when they can own a car again.
Repeat offenses
Repeat offenders often struggle to secure standard auto insurance. Non-owner policies with an SR-22 help show financial responsibility to the state, allowing drivers to work toward regaining full driving privileges.
Driving without insurance
You’ll likely need an SR-22 to prove financial responsibility if caught driving without insurance. Non-owner insurance offers a cost-effective way to meet this requirement if you don’t own a car.
Driving with a revoked license
After a license revocation, reinstating it typically requires an SR-22 form. Non-owner insurance provides the required coverage for those working toward reinstatement without owning a vehicle.
Failure to pay child support
Nonpayment of child support can lead to license suspension. To regain driving privileges, you may need to file an SR-22. Non-owner car insurance can be a viable option to fulfill this requirement while being affordable.
How Long Do I Need an SR-22 in Connecticut?
In Connecticut, SR-22 certificates are usually required for three years. The period can extend to five to 10 years for second and third convictions.
Connecticut SR-22 Rules
SR-22 drivers in Connecticut must follow additional rules beyond maintaining compliance with minimum coverage laws for three years:
- Fees: You must pay a reinstatement fee in addition to proving liability insurance with an SR-22.
- Policy cancellation: After you file an SR-22, your insurer may cancel or choose not to renew your policy, requiring you to find a new provider.
- Continuous coverage: You must maintain uninterrupted coverage during the three-year SR-22 period. Insurers notify the state of any lapses, which could result in penalties or license suspension.
- Relocation: If you move out of state, contact your insurer to file an out-of-state SR-22.
- Cancellation: After three years, your insurer should notify state officials that you’ve fulfilled the SR-22 requirement by filing a financial responsibility cancellation.
How to Get SR-22 Car Insurance in Connecticut
Connecticut drivers with serious violations, like driving without a license or reckless driving, must file an SR-22. Failing to do so can result in penalties, including license suspension. Here are the steps to file an SR-22:
- 1
Contact your insurer
Ask your insurance provider to file the SR-22. It knows your policy and can add the form to your coverage.
- 2
Confirm minimum coverage requirements
If you need insurance with an SR-22, ensure your policy meets Connecticut's minimum coverage requirements. Your insurer can help adjust your policy as needed.
- 3
Pay the SR-22 filing fee
Insurers typically charge between $15 and $25 for filing your insurance with an SR-22 form.
- 4
Verify filing with your insurer
After you pay the fee, your insurer will file the SR-22 form on your behalf. Confirm that all fees have been paid and the form has been filled out correctly and on time.
- 5
Maintain your policy and check for notifications
To prevent legal issues and penalties, keep your insurance active and contact your insurer to ensure your SR-22 is valid for three years.
WHAT TO DO IF NO ONE WILL INSURE YOU
High-risk drivers with violations on their record may consider nonstandard auto insurance, which usually costs more than standard policies. However, it provides necessary coverage for those who might have trouble finding insurance elsewhere.
SR-22 Insurance Quotes in Connecticut
To avoid penalties and reinstate your license after a serious violation, keep your SR-22 insurance coverage active for the entire required period. You'll need an SR-22 insurance quote if you don't have coverage. Finding insurance with an SR-22 can be more challenging than for drivers with clean records, as insurers may cancel your policy or deny coverage when you file.
Tips for Cheap SR-22 Insurance in Connecticut
High-risk drivers in Connecticut often face fewer companies willing to insure them, leading to higher premiums and limited choices. When getting an SR-22 insurance quote, check with your insurer for the exact fee if you're filing for the first time. Use these tips to find cheaper SR-22 insurance:
Tip | Description |
|---|---|
Complete DUI classes or programs | Participating in state-approved DUI programs shows a commitment to safer driving, which can lower premiums from some insurers. |
Look for discounts | Even with a DUI, you might still qualify for discounts. Ask your insurer about bundling policies, completing driving courses, installing safety features or opting for electronic billing. |
Compare car insurance quotes | Since not all insurers offer SR-22 insurance, your options might be limited, leading to higher premiums. To find more affordable rates, compare quotes from multiple providers. |
Check for high-risk programs | Some insurers offer programs for high-risk drivers, which might help you secure better rates. |
Adjust your coverage | Tailor your coverage to fit your needs and budget. Opting for a higher deductible or reducing optional coverages can decrease your premiums. |
Consider non-owner SR-22 insurance | If you don't own a car, non-owner SR-22 insurance might be a more affordable way to fulfill state requirements. |
Non-Owner SR-22 Insurance in Connecticut
Non-owner insurance covers frequent drivers who don’t own a car, providing protection when driving someone else’s vehicle. It’s ideal for those who often rent cars or drive for rideshare services, covering third-party injuries or property damage in an accident.
Non-owner insurance is often cheaper than standard policies. Comparing quotes can help you find the best rates. Once you purchase a policy, your insurer can file an SR-22 to comply with state law, allowing you to reinstate your license after the required three-year period.
Cheap SR-22 Insurance in Connecticut: Bottom Line
If you've had a serious driving offense in Connecticut, you must get an SR-22 to prove you have state minimum coverage. You need this form for at least three years for severe or repeated offenses. Even though SR-22 insurance costs more, you can find cheap car insurance providers in Connecticut for SR-22 drivers.
SR-22 in Connecticut: FAQ
Below are frequently asked questions about SR-22 certifications in Connecticut:
What are the cheapest SR-22 car insurance options in Connecticut?
State Farm offers the cheapest SR-22 car insurance in Connecticut, with a monthly minimum coverage rate of $68. Progressive and GEICO are the next most affordable options.
How much does filing an SR-22 increase car insurance rates in Connecticut?
Filing an SR-22 increases car insurance rates in Connecticut by $154 per month. The average monthly minimum coverage premium for SR-22 drivers is $237 versus $83 for those with clean records.
How long do you need to have an SR-22 in Connecticut?
In Connecticut, you must keep an SR-22 and continuous minimum coverage for three years. Letting your insurance lapse resets the three-year requirement, which could result in reinstatement fees or license suspension.
Best Cheap Connecticut SR-22 Car Insurance: Review Methodology
MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance premiums for Connecticut drivers with various profiles and needs.
Connecticut Driver Profile
We collected data for a sample driver with the following attributes:
- 40-year-old male
- Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
- 2012 Toyota Camry LE
- 12,000 miles driven annually
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 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- $25,000 uninsured/underinsured motorist coverage per person
- $50,000 uninsured/underinsured motorist coverage per accident
- $25,000 uninsured/underinsured property damage per accident
For the most affordable policy with comprehensive and collision coverage — also referred to as a full coverage policy — we used the following limits 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
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.