SR-22 insurance in Connecticut
In Connecticut, the SR-22 filing fee is about $15–$50 and most drivers pay $151–$280/month for minimum coverage — on the expensive side. Connecticut requires the filing for three years.
Connecticut pairs pricey premiums with one of the highest reinstatement fees in the country — $175 — and its DMV keeps an OUI on your record long after the criminal case is resolved.
Cheapest SR-22 carriers
| Carrier | Est. monthly | Note |
|---|---|---|
| GEICO | $151/mo | lowest minimum-coverage rate in CT |
| Allstate | $173/mo | agent filing |
| State Farm | $177/mo | widely available |
| Kemper | $264/mo | high-risk specialist |
How the violation changes the price
How filing works in Connecticut
In Connecticut, your insurer files the SR-22 electronically with the DMV. Connecticut requires it for three years from your reinstatement date, and the minimum liability is 25/50/25. Connecticut uses the term OUI (Operating Under the Influence), and an OUI conviction brings a mandatory ignition-interlock requirement on top of the SR-22.
Connecticut's $175 reinstatement fee is among the highest of any state, and total reinstatement costs can reach $300 depending on your situation. That's separate from your insurer's $15–$50 filing fee and the surcharged premium, which can rise 40–90% after an OUI.
There's no grace period. Any coverage lapse triggers immediate suspension, restarts the three-year clock, and requires paying the reinstatement fee again — so continuous coverage is critical here.
An expensive market with a $175 reinstatement
Connecticut is one of the pricier states for an SR-22. Minimum coverage runs about $151–$280 a month, with GEICO at the low end and Kemper — a high-risk specialist — far higher. On top of the premium sits a $175 reinstatement fee, among the highest of any state, and total reinstatement costs can reach $300. Connecticut uses the term OUI, and a conviction typically adds a mandatory ignition interlock. Between the high premium, the fee, and the interlock lease, the SR-22 filing itself is the smallest line on the bill. Estimate your figure with the SR-22 cost calculator, or compare states on the SR-22 cost page.
Why an expunged OUI still shows up
Here's the Connecticut nuance that catches people off guard. The criminal case and the DMV's administrative record are two separate things. A driver on r/Connecticut described completing the diversionary program and having their DUI expunged — yet still wondering, correctly, whether it affected their insurance. The answer from more experienced posters: the DMV record persists for years regardless of the court outcome, and insurers pull that record and your credit at renewal to set your rate. One useful wrinkle they raised: a self-reported incident often carries less weight in a quote than one that surfaces on a motor-vehicle report — so answer an insurer's questions honestly, but understand the expungement doesn't wipe the driving record the way it clears the criminal one.
The interlock is part of the deal
A Connecticut OUI doesn't just require the SR-22 — it comes with a mandatory ignition-interlock device (IID) for a court- and DMV-set period, installed and leased at your own expense. The IID and the SR-22 run on their own schedules, and Connecticut also routes many offenders through a pretrial alcohol-education program as a condition of resolving the case. Stacked together — the surcharged premium, the $175 reinstatement, the interlock lease, and the education program — a Connecticut OUI is one of the more expensive to work through in the country, and the monthly SR-22 filing fee is the least of it.
How long it really costs you
The SR-22 is a three-year requirement, but the rate impact outlasts it. Connecticut drivers report an OUI affecting their premiums anywhere from 3 to 10 years, depending on the carrier — so you may be done filing the SR-22 while still paying a surcharge. The lever you control is shopping: the same r/Connecticut thread noted Progressive is often the main option that takes high-risk drivers, though carrier behavior varies enough that one poster's GEICO policy never rose at all. Re-quote at every renewal; the cheapest SR-22 guide tracks who stays friendliest.
Cheapest SR-22 carriers in Connecticut
GEICO posts the lowest minimum-coverage SR-22 rate in 2026 studies at about $151, with Allstate and State Farm higher and Kemper highest. Because Connecticut's baseline is high, the gap between carriers is large in dollar terms — quote at least three, and ask specifically whether each files SR-22s for OUI cases.
Non-owner SR-22 in Connecticut
If you don't own a car, a non-owner SR-22 satisfies the filing at a lower premium and covers you in borrowed or rented vehicles — a meaningful saving in a market this expensive. It's only valid if you genuinely don't own a registered vehicle; our non-owner SR-22 guide covers who qualifies.
If your Connecticut SR-22 lapses
A lapse re-suspends your license, restarts the three-year clock, and makes you pay the $175 reinstatement fee again — a steep penalty in a high-fee state. Auto-pay is essential. If you've already lapsed, see what happens when an SR-22 lapses and reinstating your license. Neighboring Rhode Island and New York handle high-risk filings differently, which matters if you move mid-term.
A driver who needs an SR-22 in Connecticut typically pays about: