In Connecticut, if you’ve been convicted of a major driving offense, you’ll need your insurance carrier to file an SR-22 form on your behalf—this "proof of insurance" guarantees that you meet the state’s mandated minimum auto insurance requirements.
If you need your insurer to file an SR-22 form for you, your car insurance
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What is an SR-22 in Connecticut?
In Connecticut, an SR-22 form or certificate is required to reinstate your driver’s license after it has been suspended for a major traffic violation. Filed by your insurer, the SR-22 offers a "proof of insurance" to the state, attesting that you carry the state’s minimum liability requirements.
Connecticut mandates that all drivers carry liability car insurance
. The state’s mandated minimum insurance requirements are as follows: Connecticut also requires that drivers filing for an SR-22 have the following coverage:
In Connecticut, SR-22 certificates are required for one year from the date of conviction. If you fail to renew an insurance policy with SR-22 coverage on time, your insurer will report you to the state, which means your registration and license may be suspended, the SR-22 time limit will be reset, and you’ll have to pay all SR-22 fees again.
Who needs SR-22 in Connecticut?
If a Connecticut driver has their license revoked or suspended for any of the following reasons, they will need their insurance provider to file an SR-22 form on their behalf in order to legally drive again:
Repeated driving violations
An at-fault collision leading to death or injury
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How to get an SR-22 certificate in Connecticut
You’ll need to follow the following steps if you need an SR-22 form filed on your behalf.
Find an insurer
Many insurance carriers won’t file SR-22 forms, as insurers deem drivers high risk if they require one. Do your research and find an insurer that files SR-22 certificates in Connecticut.
Pay the SR-22 fee
Once an insurer agrees to file an SR-22 for you, pay the fee so the form can be processed and filed. In Connecticut, filing fees range from $15 to $25.
Verify minimum liability coverage
In order for your insurer to file the SR-22 form, you’ll need to buy liability insurance that meets or exceeds Connecticut’s state mandates.
Submit your SR-22
Once your filing fee is paid, your insurer will file your SR-22 with the Connecticut DMV. You’ll soon receive a letter in the mail from your insurance company confirming that your SR-22 filing was accepted.
How much does it cost?
Depending on your insurer, expect your car insurance with SR-22 coverage to cost at least 7% more than regular car insurance in Connecticut. Your rate will depend on many factors, most notably your personal profile, age, driving history, location, and a slew of other metrics.
Key Takeaway Each insurer uses a different formula to set their rates, so shop around to ensure you find a policy with SR-22 coverage at a reasonable price.
How an SR-22 impacts your insurance in Connecticut
If you need SR-22 coverage to drive again, your insurance premiums will likely go up for as long as you are on probation, but this is temporary. As long as you complete your probationary term without incident, your rates will begin to decrease.
Even though you’ll be temporarily dealing with higher premiums, those costs can be mitigated by shopping around for the best price amongst insurers that offer SR-22 coverage.
Key Takeaway If your insurance has SR-22 coverage, be prepared to pay higher rates than you would with standard auto insurance.
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