Official Connecticut Guide

Connecticut SR-22 Insurance

A complete roadmap to satisfying Connecticut DMV requirements. Compare rates, understand liability limits, and get your license reinstated today.

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Min. Liability

25/50/25

$25k BI / $50k Total / $25k PD

Mandate Term

3 Years

Required from the date of reinstatement

Filing Fee

~$15 - $25

One-time administrative cost

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.

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Who Needs to File in CT?

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.

Don't Own a Car in Connecticut?

You can still get reinstated! A Connecticut Non-Owner SR-22 Policy covers you as a driver for any vehicle you borrow. It satisfies the Connecticut DMV requirement and is typically much cheaper than a standard policy.

Read our full guide on Non-Owner policies

The CT Reinstatement Timeline

Check Eligibility

Verify your suspension status and specific restoration requirements via the Connecticut DMV online portal.

Secure SR-22

Purchase a policy with 25/50/25 limits. Your insurance company will electronically transmit the certificate to the DMV.

Pay Restoration Fee

Pay the mandatory $175 license restoration fee online through the official DMV website.

Status Active

Once the SR-22 is logged and the fee is processed, your driving privileges are officially restored.

The Cost of Non-Compliance

Driving while suspended or letting your SR-22 lapse carries severe penalties in Connecticut:

First Offense

Mandatory 45-Day Suspension

Court Fines

Significant Fines + Fees

SR-22 Period

3-Year Clock Resets

Vehicle Impact

Impoundment & IID Requirement

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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 CT 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.

What is the difference between SR-22 and normal insurance?

An SR-22 is a certificate of financial responsibility that is attached to your insurance policy. It serves as an automated reporting mechanism for the DMV.

Can I get a Non-Owner policy in CT?

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.

Will my license be suspended if I miss a payment?

Yes. Connecticut law requires insurers to notify the DMV immediately (via SR-26) if your policy lapses, which triggers an instant suspension.

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.

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