Minimum Coverage Requirements in Connecticut
Connecticut requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. Drivers with DUI convictions, suspensions for uninsured operation, or certain violations typically must file SR-22 proof of insurance with the Connecticut Department of Motor Vehicles for 3 years. High-risk drivers often need coverage above these minimums to access non-standard carriers willing to write policies with SR-22 endorsements.
How Much Does Car Insurance Cost in Connecticut?
High-risk insurance premiums in Connecticut depend heavily on violation type, filing requirements, and carrier availability. Drivers with a single DUI typically pay $200–$350/mo, while those with multiple violations, accidents, or lapses may see $300–$450/mo or higher. Standard carriers rarely write policies with SR-22 endorsements, forcing most high-risk drivers into the non-standard market where premiums are 150–300% above clean-record rates.
What Affects Your Rate
- Violation type: DUI convictions cost 80–150% more than single at-fault accidents
- SR-22 filing requirement duration: 3-year filings result in sustained high-risk classification
- Prior insurance lapses: gaps of 30+ days add $40–$80/mo in non-standard market
- Age and experience: drivers under 25 with violations pay $80–$150/mo more than older drivers
- Credit-based insurance score: Connecticut allows credit scoring, which penalizes high-risk drivers with poor credit by an additional 30–60%
- Vehicle type: financing comprehensive and collision on newer vehicles increases premiums by $100–$200/mo over liability-only
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. Connecticut requires 25/50/25 minimums, but high-risk drivers often need 50/100/50 or higher to access non-standard carriers.
SR-22 Insurance
A certificate filed by your insurer proving continuous coverage to the Connecticut DMV. Required for 3 years following DUI, uninsured operation, or serious violations.
Non-Standard Auto Insurance
Specialized coverage for drivers rejected by standard carriers due to DUI, accidents, lapses, or SR-22 requirements. Premiums are 150–300% higher but provide the only path to legal driving for high-risk profiles.
Uninsured Motorist Coverage
Protects you if hit by a driver without insurance or with insufficient coverage. Connecticut requires insurers to offer UM/UIM matching your liability limits, though you can reject it in writing.
Full Coverage
Combines liability, comprehensive, and collision. Required by lenders for financed or leased vehicles and recommended for vehicles worth more than $5,000.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, minus your deductible. Optional unless financing or leasing.
