Connecticut SR-22 Insurance & High-Risk Coverage

Connecticut's minimum liability limits are among the lowest in the Northeast. High-risk drivers with SR-22 requirements should consider 50/100/50 or 100/300/100 limits because many non-standard carriers require higher limits to issue policies, and these limits provide better protection against lawsuits following at-fault accidents. Connecticut is a tort state, meaning at-fault drivers can be sued for damages exceeding policy limits.

Connecticut requires insurers to offer uninsured and underinsured motorist coverage matching your liability limits, though drivers can reject it in writing. This coverage does not increase SR-22 filing costs and may prevent future license suspensions from uninsured accident involvement.

SR-22 is not a separate insurance policy but a certificate filed by your insurer proving you carry at least Connecticut's minimum liability coverage. The DMV requires SR-22 for typically 3 years following DUI convictions, refusal of chemical tests, suspensions for accumulating points, or operating uninsured.

Non-standard carriers specialize in high-risk profiles including DUI convictions, multiple accidents, lapses in coverage, or SR-22 requirements. Most non-standard policies require 6–12 months of clean driving and on-time payments before you can shop for standard market coverage.

Full coverage combines liability, comprehensive, and collision coverage.