Insurance with an SR-22 in Connecticut

If you need an SR-22 certificate to acquire car insurance in Connecticut, you aren't the only one. This relatively common legal requirement is triggered by a driving citation like a DUI conviction, a ticket for driving without insurance, an accident with substantial property damage, a ticket for driving with a suspended license, or accumulating too many license points.

Finding cheap coverage with a SR-22 in Connecticut might not be easy, but the savings are worth the trouble. We analyzed how much a SR-22 certificate might cost in Connecticut and how to easily get one — let's dive into the details.

How much does Connecticut SR-22 insurance cost?

Insurance with an SR-22 in Connecticut can be expensive. This isn't a direct cost of the SR-22 — filing fees usually total $15 to $35 — but a product of the insurance rate increases caused by the citation that necessitated the SR-22.

Insurers bill risky drivers more expensive premiums to account for the increased risk of an incident. The rate increase you’ll receive will depend on the severity and number of your infractions — below are standard auto insurance premiums for drivers with SR-22s in Connecticut.

High-risk rating factorAverage annual rateIncrease vs. no violations
No citations$1,696
At-fault collision (>$2,000)$2,504$808
Speeding (21-25 mph > limit)$2,207$511
Reckless driving$2,869$1,173

If you’re looking for affordable car insurance after getting a SR-22, The Zebra is ready to help. Enter your ZIP code below to find personalized auto insurance quotes from top insurance companies.

How to get an SR-22 certificate in Connecticut

Currently insured

If you already have car insurance, getting an SR-22 certificate is relatively easy. Contact your insurance company and request that the company file a SR-22 request for you. If your current auto insurance company won't file for an SR-22, you’ll need to shop for a new policy with a new insurance company.

If you don't have insurance

When applying for a new policy, you'll be billed extra to cover the SR-22 request and to account for your less-than-optimal insurance profile. Needing an SR-22 certification may disqualify you from getting coverage from some companies, while others would be happy to cover you.

If you aren't a vehicle owner

Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. If this is the case, you should apply for a non-owners auto insurance policy before pursuing an SR-22. Non-owners auto coverage is often cheaper than standard coverage since it won’t provide protection for physical damage to your vehicle.


The Zebra conducted comprehensive auto insurance pricing analysis via its proprietary quote engine, including data from rating platforms and public rate filings. The Zebra surveyed nearly 53 million rates to examine trends for specific car insurance pricing factors across all United States ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and their impact on insurance premiums.

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Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.