How to get an SR22 Insurance in Connecticut?
What is an SR22 Insurance and why do I need it?
An SR22 insurance is needed by a state’s Department of Motor Vehicles (DMV) as confirmation that the driver meets the minimum basic requirements of vehicle liability insurance needed by the state.
SR22 is basically a certificate of financial responsibility, which is needed to get your driving privileges reinstated after a driving infraction such as, a DUI conviction, an uninsured car crash/auto accident.
Though it is commonly referred to as “SR-22 insurance”, it’s not insurance. It is simply a document provided by the auto insurance company that proves the driver has the minimum liability coverage on the car insurance policy required by the specific state.
SR22 Insurance in Connecticut
If your license is suspended for any moving violations or you are convicted of a more serious driving-related offense then the Department of Motor Vehicles (DMV) in Connecticut will likely need you to obtain an SR-22 from a licensed auto insurance company in order for you to get your driving license reinstated.
In Connecticut, an SR22 insurance certifies that you have the state-mandated minimum car insurance coverage required to drive or to have your driving license reinstated after being convicted of one of a few serious driving offenses.
SR-22 requirements in Connecticut are unique to the state. So it’s important for you to understand how this will impact your insurance rate, driving record and other factors.
Who needs an SR22 Insurance in Connecticut?
In Connecticut, driver’s who’ve had their licenses suspended after being convicted of one or more of the below listed infractions need to file an SR22 insurance to get their driving license reinstated
- Driving without proper insurance.
- Driving on a suspended or revoked license.
- Driving while under the influence of alcohol and/or drugs.
- Involved in a hit and run
What is the minimum liability coverage amount to be purchased and maintained by all the drivers requiring an SR22 in Connecticut?
The state of Connecticut requires all drivers requiring an SR22 Insurance to have a minimum liability coverage of –
- $25,000 in personal liability coverage per injured person.
- $50,000 in personal liability per accident.
- $25,000 in property damage liability per accident.
How do I file an SR22 Insurance in Connecticut?
Your SR22 insurance in the state of Connecticut can be acquired from your auto insurance provider who will file your SR22 form with the Connecticut Department of Motor Vehicles (DMV) for a fee. You will receive a copy of the form along with a letter from the Department of Motor Vehicles (DMV) once your SR22 insurance filing has been accepted.
SR22InsuranceNow can help you in getting the cheapest SR22 Insurance in Connecticut. Our nationwide partnerships with top providers (Geico, State Farm, Progressive, Allstate & more) makes sure you get the cheapest SR22 rates in Connecticut.
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How much does an SR22 Insurance cost in the state of Connecticut?
In Connecticut, your insurance provider will charge you a filing fee of $15 to $35 to file an SR22 insurance. But auto insurance providers typically charge a higher premium to motorists having an SR22 certificate to account for the increased risk of claim payout.
The increase in premium amount you pay depends on the provider you choose, severity of your driving violation, your age, and many other factors.
You can check the table below to get an estimate of how much does a SR22 insurance cost in Connecticut –
|High Risk Rating Factor||Average Annual Rate||Increase vs. no violations|
At-fault collision with damage over $2,000
Speeding of 21-25 mph over the limit
How long do I need to carry an SR22 in Connecticut?
In Connecticut, all drivers requiring an SR22 insurance must maintain it for a minimum of three years (36 months) from the date their licenses are eligible to be reinstated. If you cancel/let your SR22 insurance policy lapse prematurely, your auto insurance provider will file an SR26 with DMV letting them know about the lapse in your SR22. After which the DMV will suspend your driving privileges until you get your SR22 renewed.
Unfortunately, a lapse or cancellation in SR22 policy “restarts the clock” for SR22 Insurance. For example, a person convicted of DUI, who lets his insurance lapse or cancel after 2 years into a 3 year SR22 period would need to get a new SR22 for another three 3 years.
Non-Owner SR22 Insurance in Connecticut
In Connecticut, non-owner SR22 insurance is required for motorists who drive a car but don’t own it. This includes coverage for any damage caused by the driver while driving. The cost of a non-owner SR22 insurance in Connecticut depends on a few components including age, sexual orientation, location, conjugal status, driving record, and FICO score.
SR22InsuranceNow can help you in finding insurance companies in Connecticut that offer non-owner SR22 insurance. It just takes a couple of minutes and you can have your non – owner SR22 documented on the same day.
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Frequently asked questions related to SR22 Insurance in Connecticut
1. Where can I get the cheapest SR22 in Connecticut?
SR22InsuranceNow can help you in getting the cheapest SR22 in Connecticut by letting you compare SR22 car insurance quotes from a number of top providers (Geico, State Farm, Progressive, Allstate etc) .
Top cities covered are Bridgeport, New Haven, Stamford, Hartford, Waterbury, Norwalk, Danbury, New Britain, West Hartford, Greenwich, Fairfield, Hamden, Bristol, Meriden, Manchester, West Haven, Milford, Stratford, East Hartford, Middletown, Wallingford, Enfield, Southington, Shelton, Norwich and more.
Call us now at 888-885-3948!
2. How to get cheapest SR22 Insurance without a car in Connecticut?
In Connecticut, if you don’t own a car, you have to get a non – owner SR22 Insurance. This insurance covers the cost of any damage caused by the driver while driving.
SR22InsuranceNow will help in finding insurance companies that offer the cheapest non-owner SR22 in Connecticut. It just takes a couple of minutes and you can have your non – owner SR22 documented on the same day. Give us a call at 888-885-3948 today!
3. Do I need to keep my SR22 Insurance even when I move out of Connecticut?
Even if you move out of Connecticut, you will still need to fulfil your SR-22 insurance filing period. This is regardless of whether you live in a state that requires SR-22 insurance or not.
4. Which companies offer cheap SR22 in Connecticut?
In Connecticut, top insurance companies like State Farm, Geico, Allstate, Progressive and many more offer SR22 Insurance.
Call SR22InsuranceNow at 888-885-3948 to get a free S22 quote from top insurance providers (Geico, State Farm, Allstate, Progressive). Compare rates and save big!
5. Which companies offer cheap Non – Owner SR22 Insurance in Connecticut?
State Farm, Geico, Allstate, Progressive and other top companies offer Non – Owner SR22 Insurance in Connecticut.
You can call SR22InsuranceNow (888-885-3948) and one of our executives will assist you in getting the cheapest Non – Owner SR22 Insurance plan now!