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Connecticut DUI & Violation Insurance Requirements

Connecticut requires 25/50/25 liability coverage and is an at-fault state.

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Connecticut at a Glance

25/50/25

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Required

Uninsured motorist coverage must be on every policy

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Connecticut

After a DUI or serious violation in Connecticut, your current insurer will typically send a non-renewal notice — not an immediate cancellation — meaning your policy will end at its renewal date, giving you 30–60 days to find replacement coverage. Connecticut requires drivers with certain violations to maintain continuous SR-22 filing with the Department of Motor Vehicles to keep their license valid. Most standard carriers do not offer SR-22 filing or coverage to drivers with recent major violations, so you'll need to find a non-standard auto insurance carrier that specializes in high-risk driver profiles.

SR-22 Certificate Filing

An SR-22 is not a type of insurance — it is a certificate your insurer files with Connecticut DMV proving you carry the required minimum liability coverage. Not all carriers offer SR-22 filing; you must use a carrier licensed to file in Connecticut, and any lapse in coverage triggers an automatic license suspension.

Non-Standard Auto Insurance

Non-standard auto insurance is coverage sold by carriers that specialize in high-risk drivers — those with DUIs, suspensions, lapses, or serious violations on their record. These carriers price risk differently than standard insurers and are willing to file SR-22 certificates.

Liability Insurance

If you're required to carry SR-22, you must maintain at least these minimums continuously — dropping below them or canceling your policy will trigger a DMV suspension notice within days.

High-Risk Auto Insurance

High-risk auto insurance is the broader category that includes non-standard policies, SR-22 filings, and coverage for drivers with violations, accidents, or license issues. In Connecticut, high-risk carriers include both national non-standard insurers and regional specialists. Rates vary widely based on violation severity, time since the incident, and your overall driving history.

Comprehensive and Collision Coverage

If you finance or lease your vehicle, your lender will require comprehensive and collision coverage even with a violation on your record.

What Drivers Pay in Connecticut

$299–$369/mo

Typical monthly rate in Connecticut, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Violation type — DUI surcharges are higher than reckless driving or suspension-related violations
  • Time since violation — rates begin decreasing after 3 years, normalize after 5–7 years
  • Carrier availability — Connecticut has fewer non-standard carriers than neighboring states, limiting competitive pricing
  • Driving history prior to violation — a clean record before the incident results in lower surcharges
  • Location within Connecticut — urban areas like Hartford and New Haven see higher violation-driver rates than rural counties
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Get Back to a Fair Rate After a Violation

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Coverage Types

High-Risk Auto Insurance

Coverage designed for drivers with DUIs, violations, suspensions, or accidents. Non-standard carriers price these policies based on current risk, not past driving history alone.

Non-Standard Auto Insurance

Policies sold by carriers that specialize in drivers standard insurers won't cover. These carriers are willing to file SR-22 and accept violation-driver risk at adjusted premiums.

SR-22 Insurance

Not insurance itself, but a certificate filed by your insurer with Connecticut DMV proving you carry required coverage. Any lapse restarts your filing period.

Liability Insurance

Covers damage and injuries you cause to others. Connecticut requires 25/50/25 minimums, but higher limits protect your assets if you cause a serious accident during your SR-22 period.

Find Your City in Connecticut

Bridgeport

urban

Stamford

urban

New Haven

urban

Hartford

urban

Waterbury

urban

Norwalk

suburban

Danbury

suburban

New Britain

urban