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Connecticut Hardship License Insurance & SR-22 Filing

Connecticut requires SR-22 filing for 3 years after license suspension. Hardship licenses allow work-related driving during suspension, but require continuous SR-22, court approval, and strict route restrictions. Monthly premiums for restricted license SR-22 coverage typically run $140–$220.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated May 2026

Minimum Coverage Requirements in Connecticut

Connecticut operates under a traditional tort system, meaning the at-fault driver's liability coverage pays for damages. The state requires continuous proof of financial responsibility, enforced through random verification checks by the Connecticut Department of Motor Vehicles. Suspended drivers applying for hardship relief must demonstrate SR-22 filing before a conditional license is granted.

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25/50/25
Liability Coverage
Covers bodily injury up to $25,000 per person and $50,000 per accident, plus $20,000 property damage. Connecticut's minimums are among the lowest in the Northeast. A single moderate injury claim exceeds $25,000 in most hospital emergency room visits. Hardship license holders who cause an accident with only state minimums face personal liability for the excess.
Required for 3 years post-suspension
SR-22 Certificate of Financial Responsibility
Connecticut mandates SR-22 filing for DUI convictions, accumulation of excessive points, driving while suspended, and at-fault accidents without insurance. The Connecticut DMV requires continuous filing for the full 3-year period. A single lapse triggers automatic license re-suspension and restarts the 3-year clock from zero.
25/50 (required unless rejected in writing)
Uninsured Motorist Coverage
Covers your injuries when hit by a driver with no insurance. Connecticut requires insurers to offer 25/50 uninsured motorist coverage at policy inception. Rejection must be made in writing on the statutory form. Verbal rejection is not valid, and the coverage is automatically added if the form is not completed and signed.
25/50 (bundled with UM)
Underinsured Motorist Coverage
Pays when the at-fault driver carries liability limits below your medical costs. Connecticut bundles underinsured motorist coverage with uninsured motorist at the same limits. For hardship license holders driving during high-risk periods, this coverage protects against gaps in recovery when the other driver's policy is insufficient.
State-Mandated Minimum Coverage · Connecticut

Connecticut Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000

License Reinstatement Fee$175

Meeting the state minimum keeps you legal. See whether it's enough — get your Connecticut quote.

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How Much Does Car Insurance Cost in Connecticut?

Connecticut SR-22 premiums for hardship license holders reflect both the underlying violation and the restricted driving status. The state's high cost-of-living and dense urban corridors in Fairfield and New Haven counties drive rates above the national SR-22 average. Carriers writing hardship license policies price in the elevated claim frequency of restricted drivers.

What Affects Your Rate

  • DUI convictions increase premiums 180–220% over clean-record rates in Connecticut, with the SR-22 filing adding another $40–$60/month in administrative surcharge.
  • Fairfield County zip codes see hardship SR-22 rates 15–20% higher than rural Litchfield or Windham counties due to higher claim frequency and repair costs.
  • Drivers under 25 with a hardship license face combined age and violation surcharges that push monthly premiums above $300 at non-standard carriers.
  • Adding a second vehicle to a hardship license SR-22 policy increases total premium by 60–75%, not the full cost of a standalone second policy.
  • Connecticut's competitive non-standard market means shopping three or more SR-22 carriers can yield rate differences exceeding $600/year for identical coverage.
State Minimum SR-22
$140–$180/mo
Meets Connecticut's 25/50/25 liability requirement with SR-22 filing. Leaves you personally liable for injury costs above $25,000 per person. Most hardship applicants start here to minimize upfront cost.
Standard Hardship SR-22
$180–$220/mo
Adds 50/100/50 liability limits and uninsured motorist coverage at matching limits. Covers moderate injury claims without exposing you to out-of-pocket liability. Recommended for drivers whose hardship license authorizes highway commuting.
Full Coverage SR-22
$220–$280/mo
Includes 100/300/100 liability, comprehensive, collision, and $100,000 uninsured motorist. Required if you finance a vehicle or lease. Protects both the vehicle and your personal assets during the restricted license period.

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Coverage Types

SR-22 Insurance

Certificate of financial responsibility filed by your insurer with the Connecticut DMV. Required for 3 years after DUI, excessive points, or driving while suspended.

Non-Owner SR-22

Liability-only SR-22 policy for drivers who do not own a vehicle but need proof of financial responsibility to maintain a hardship license.

Liability Insurance

Covers injury and property damage you cause to others. Connecticut requires 25/50/25 minimums, which are insufficient for most multi-car accidents.

Uninsured Motorist Coverage

Pays your medical bills and lost wages when hit by a driver with no insurance or a hit-and-run driver.

Non-Standard Auto Insurance

High-risk coverage for drivers with DUI convictions, suspended licenses, or hardship license restrictions. Written by specialized carriers who accept SR-22 filings.

Find Your City in Connecticut

Bridgeport, Connecticut cityscape and street view

Bridgeport

urban
Stamford, Connecticut cityscape and street view

Stamford

urban
New Haven, Connecticut cityscape and street view

New Haven

urban
Hartford, Connecticut cityscape and street view

Hartford

urban
Misty forest with moss-covered trees, ferns, and fallen logs in atmospheric lighting

Waterbury

urban
Historic downtown street at sunset with red brick buildings, colorful sky, and warm street lighting

Norwalk

suburban
White wooden fence curving along autumn hillside with fallen leaves and colorful fall trees

Danbury

suburban
Large red brick institutional buildings with white trim and cupolas arranged around a courtyard with parked cars

New Britain

urban

Frequently Asked Questions

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