Connecticut SR-22 Insurance
Connecticut asks for the common version of an SR-22: three years at 25/50/25 liability, which is what most states require. Nothing about the rule here is going to catch you out. What varies is the price, and that is set against your record. Your carrier files the certificate with the Connecticut Department of Motor Vehicles.
- Licensed in Connecticut
- Same-day filing
- Non-owner policies
- Helping drivers since 2016
How Connecticut SR-22 Filing Works
In Connecticut, the SR-22 is a "Certificate of Financial Responsibility." It is a digital document filed by your insurance carrier directly with the Connecticut Department of Motor Vehicles (DMV). It provides evidence that you have the minimum liability coverage required by state law to maintain your driving privileges.
The "Re-Suspension" Trap
If your policy cancels or lapses for even one day, your carrier is legally required to file an SR-26 Notice. This triggers an immediate suspension of your license and may reset your 3-year filing period.
Who Needs to File in Connecticut?
DUI Conviction
Operating a motor vehicle under the influence of alcohol or drugs.
Uninsured Accident
Being involved in an accident while failing to maintain valid liability insurance.
Reckless Driving
Serious moving violations that result in a license suspension.
Mandatory Restoration
Any administrative hold that requires proof of financial responsibility for license restoration.
The Connecticut Reinstatement Timeline
- 01
Check Eligibility
Verify your suspension status and specific restoration requirements via the Connecticut DMV online portal.
- 02
Secure SR-22
Purchase a policy with 25/50/25 limits. Your insurance company will electronically transmit the certificate to the DMV.
- 03
Pay Restoration Fee
Pay the mandatory $175 license restoration fee online through the official DMV website.
- 04
Status Active
Once the SR-22 is logged and the fee is processed, your driving privileges are officially restored.
Connecticut against most states
How Connecticut compares with the rest of the country.
| Requirement | Connecticut | Most states |
|---|---|---|
| Minimum liability | 25/50/25 | 25/50/25 |
| Filing period | 3 Years | 3 Years |
The Cost of Non-Compliance
Don't Own a Car in Connecticut?
A non-owner Connecticut SR-22 covers you as a driver of cars you do not own, and it satisfies the same three-year filing at the same 25/50/25 limits. Because it insures no vehicle, it typically costs less than standard coverage.
SR-22 in Bridgeport, New Haven and the rest of Connecticut
The rule is the state's, so it reads the same in Bridgeport, New Haven, Stamford, Hartford, Waterbury and Norwalk, and everywhere else in the state. There is no city filing, no city form and no city office that changes it. What changes between drivers is the premium, and that is set against your record rather than your address.
Connecticut Filing FAQs
- How much is the filing fee in Connecticut?
- Most insurance carriers charge a one-time fee of $15-$25 to electronically file the certificate with the Connecticut DMV. This is separate from your monthly premium.
- Can I drive out of state with a Connecticut SR-22?
- Yes. Your Connecticut SR-22 allows you to drive legally in other states. You must maintain the Connecticut-specific limits (25/50/25) to satisfy the state's requirement.
- Can I get a Non-Owner policy in Connecticut?
- Yes, Connecticut allows Non-Owner SR-22 filings. This is often the most cost-effective way to restore your license if you do not own a car.
- How do I remove the SR-22 after 3 years?
- Once your 3-year mandate expires, verify with the Connecticut DMV that your requirement is clear. You can then instruct your insurer to remove the SR-22 filing.
Questions that are the same in every state, like what happens when a policy lapses, are answered on the SR-22 FAQ. What an SR-22 actually is, and is not, is on the SR-22 explainer.
SR-22 rules in all 50 states
Requirements change at the state line. Connecticut is marked; every other state is one tap away.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
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