SR-22 insurance in Connecticut
What Connecticut requires after a DUI, a lapse or driving uninsured, how long the filing lasts, what it costs the state, whether a non-owner filing works, and which companies in Connecticut write the policies that carry it, from the state's own pages and the insurance company directory.
Connecticut uses the Insurer certificate (not called SR-22) filing. Who needs it: Required at the DMV commissioner's discretion based on your driving record or certain offenses, such as vehicle theft over $10,000 or repeat violations within 12 months. Driving uninsured alone needs only proof of insurance. How long: No fixed period stated; you may ask the commissioner to remove the requirement after 12 months. The insurer files it electronically with the state once the policy is bound; a non-standard auto policy with the filing is often cheaper than people expect. 0 companies write personal auto in Connecticut; the ones used to filings are tagged below.
By Sam Alishahi, independent insurance broker · Every state
What Connecticut requires
From Connecticut Department of Motor Vehicles (DMV); sources at the bottom.
| Filing | Insurer certificate (not called SR-22) |
|---|---|
| Who needs it | Required at the DMV commissioner's discretion based on your driving record or certain offenses, such as vehicle theft over $10,000 or repeat violations within 12 months. Driving uninsured alone needs only proof of insurance. |
| How long | No fixed period stated; you may ask the commissioner to remove the requirement after 12 months. |
| State fees | No state fee for the certificate; insurers may charge up to $10 to file it. License reinstatement fee: $175. |
| Non-owner filing | Not stated by the state, though the statute refers to an operator's policy. |
| How it's filed | An insurer licensed in Connecticut (or its agent) files a certificate with the DMV commissioner. Alternatives: a surety bond or a money/collateral deposit with the State Treasurer. |
| If the policy cancels | Your insurer must give the commissioner 10 days' notice before cancelling. The DMV suspends or revokes your license and/or registration until proof is furnished; plates must be returned. |
| Minimum liability limits | 25/50/25 (bodily injury per person / per accident / property damage) |
| Who handles it | Connecticut Department of Motor Vehicles (DMV) |
How to get it today
- Send the quote request with the reason for the filing (DUI, lapse, uninsured accident) and the date the state gave you; that goes to the companies above that take it.
- Bind the policy; the insurer sends the Insurer certificate (not called SR-22) to the state electronically the same day in most cases.
- Keep the policy paid for the whole period: a cancellation is reported to the state and usually restarts the suspension.
I'm licensed in 48 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida and Washington, where my licenses are still being issued, a partner agency in your state helps in the meantime.
Questions people ask
How long do I need an Insurer certificate (not called SR-22) in Connecticut?
No fixed period stated; you may ask the commissioner to remove the requirement after 12 months.
Who needs an Insurer certificate (not called SR-22) in Connecticut?
Required at the DMV commissioner's discretion based on your driving record or certain offenses, such as vehicle theft over $10,000 or repeat violations within 12 months. Driving uninsured alone needs only proof of insurance.
Can I get a non-owner Insurer certificate (not called SR-22) in Connecticut?
Not stated by the state, though the statute refers to an operator's policy.
What happens if my policy cancels during the Insurer certificate (not called SR-22) period?
Your insurer must give the commissioner 10 days' notice before cancelling. The DMV suspends or revokes your license and/or registration until proof is furnished; plates must be returned.
Sources
- https://www.cga.ct.gov/current/pub/chap_246.htm
- https://www.cga.ct.gov/current/pub/chap_248.htm
- https://portal.ct.gov/dmv/vehicle-services/compliance-issues
- https://portal.ct.gov/dmv/licenses-permits-ids/license-suspension
- https://portal.ct.gov/dmv/licenses-permits-ids/pay-license-reinstatement-fee
- https://cga.ct.gov/2016/rpt/2016-R-0037.htm
Send it once. It gets filed.
A few minutes to request the quote; the companies that file Insurer certificate (not called SR-22) answer by email, and the filing goes to the state when you bind.
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.