Updated April 2026
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
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Sources
- Connecticut Department of Motor Vehicles - SR-22 and Financial Responsibility Requirements
- Connecticut Insurance Department - Minimum Coverage Standards
- Connecticut General Statutes Section 14-112 - Motor Vehicle Insurance Requirements