Insurance with an SR-22 in Connecticut

The Zebra
Nov. 15, 2018

If you need an SR-22 to get car insurance in Connecticut, you're not the only one. This relatively common legal requirement is triggered by a violation like a DUI, a citation for driving without proof of insurance, an at-fault accident with substantial property damage, driving with a suspended license, or accumulating too many license points.

Getting cheap insurance with an SR-22 in Connecticut might take some research, but it never hurts to try. The Zebra explored how much a Connecticut SR-22 is estimated to cost and how to get one — let's look at the details.


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How much does an SR-22 cost in Connecticut?

Insurance with an SR-22 in Connecticut is usually expensive. This isn't a direct cost of the certificate — filing fees will usually be $15 to $35 — but a product of the insurance cost increases affiliated with the citation that made the SR-22 necessary.

Insurance companies charge higher-risk clients higher premiums to account for the increased risk of claims payouts. The price increase you’ll face depends on the number and severity of the infractions — below are average insurance rates for drivers with SR-22s in Connecticut.


CONNECTICUT INSURANCE PREMIUMS BY CITATION
High-risk rating factorAverage annual rateIncrease vs. no violations
No citations$1,544.29
At-fault accident (>$2,000)$1,938.00$393.71
Speeding (21-25 mph > limit)$1,847.03$302.74
Reckless driving$2,827.18$1,282.89
Racing$2,915.00$1,370.71
Hit and run$3,044.33$1,500.04
DUI/DWI$2,794.98$1,250.69

If you want to purchase inexpensive auto insurance coverage after getting a SR-22, The Zebra is here to help. Provide your ZIP code to find personalized auto insurance quotes from leading insurers.


How to easily get an SR-22 in Connecticut


Already insured:

If you possess an active auto insurance policy, obtaining an SR-22 certificate should be simple. Contact your insurer ask it to file a SR-22 request for you. If your current auto insurance company declines to request a certificate, you'll need to look for a new insurer.

Currently uninsured?

When filing for a new policy, you might be saddled with an up-front fee for the prospective insurer to file an SR-22 request form and to cover your more risky driving profile. Needing an SR-22 certification may prevent you from being insured by some carriers, while others will sell you a policy.

Don't own a vehicle?

Not owning a vehicle makes it tougher to obtain an SR-22, as you'll need to show proof of insurance to receive the certificate. If you don't own a vehicle, purchase a non-owners car insurance policy before pursuing an SR-22. Non-owners auto coverage is often less expensive than standard coverage since it doesn't protect against material damages to your vehicle.

Methodology and data sources

Between September and December 2017, The Zebra conducted in-depth pricing analysis using its proprietary quote engine, comprising data from insurance rating platforms and public rate filings. The Zebra analyzed almost 53 million premiums to explore trends related to specific auto insurance rating factors across all United States ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact car insurance rates.

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