Cheapest Connecticut SR22 Insurance 2025: Rates & Companies Compared
We’ve Uncovered the Cheapest SR-22 Insurance Companies & Rates in CT
Table of Contents
- 1 We’ve Uncovered the Cheapest SR-22 Insurance Companies & Rates in CT
- 2 Cheapest Average SR-22 Insurance Companies in Connecticut
- 3 Cheapest Non-Owner SR-22 Insurance in Connecticut
- 4 How much does SR-22 in Connecticut cost with a DUI?
- 5 How Much Is SR-22 Insurance in Connecticut? Average Statewide
- 6 Cheap SR-22 Insurance in Connecticut by City
- 7 Common Hidden Costs in SR-22 Insurance
- 8 Full Coverage vs. Liability-Only SR22: What Saves the Most?
- 9 Non-Owner SR22 in Connecticut: The Best-Kept Secret
- 10 Smart Payment Strategies to Cut Costs Further
- 11 How to Compare SR22 Quotes Like a Pro (and What to Avoid)
- 12 Liability-Only vs. Full Coverage SR22: What’s the Smartest Choice?
- 13 Non-Owner SR22 Insurance in Connecticut: The Cheapest Legal Option
- 14 How to Shop Smart for SR22 Insurance in Connecticut
- 15 SR-22 Insurance Discounts Most Drivers Don’t Know About
- 16 When to Recheck Your SR22 Insurance Rate (And Why Most People Don’t)
- 17 Effect of Driver Profile (DUI vs Lapse vs Young Driver)
- 18 Example Story: How One Driver in Waterbury Saved $1,000
- 19 Get a Quote Now !
If you want to learn or review state laws about the SR22 process in CT (facts and laws), then go here instead.
Cheapest Average SR-22 Insurance Companies in Connecticut
| Company | Minimum Coverage Premium | Full Coverage Premium |
|---|---|---|
| State Farm | $68 | $133 |
| Progressive | $70 | $132 |
| GEICO | $118 | $255 |
| Allstate | $123 | $210 |
| Kemper | $124 | $232 |
| Nationwide | $132 | $239 |
| Amica | $200 | $412 |
| Hanover | $1,062 | $2,224 |
| USAA* | $1,491 | $124 |
* military families and parents/children only
Cheapest Non-Owner SR-22 Insurance in Connecticut
| Company | Annual Premium | Monthly Premium |
|---|---|---|
| State Farm | $504 | $42 |
| GEICO | $553 | $46 |
| Kemper | $611 | $51 |
| Nationwide | $993 | $83 |
| Progressive | $1,201 | $100 |
How much does SR-22 in Connecticut cost with a DUI?
SR-22 insurance rates vary widely by company — especially if your filing is tied to a DUI. Some insurers dramatically increase premiums, while others remain more competitive for high-risk drivers.
Note: The table below shows “filing only” rates — meaning the base cost of a policy that includes the SR-22 filing fee, but not the specific surcharge for the violation that triggered the requirement (such as DUI or reckless driving).
| Company | SR-22 with 1 DUI | SR-22 Filing only |
|---|---|---|
| State Farm | $1,898 | $1,736 |
| Progressive | $1,904 | $1,640 |
| Kemper Insurance | $2,716 | $1,283 |
| Geico | $3,145 | $982 |
| Allstate | $3,180 | $2,551 |
| Nationwide | $3,471 | $1,896 |
| USAA* | $2,606 | $1,491 |
How Much Is SR-22 Insurance in Connecticut? Average Statewide
| Coverage | Monthly Premium | Annual Premium |
|---|---|---|
| Full Coverage | $480 | $5,758 |
| Liability (minimum) Coverage | $237 | $2,846 |
Cheap SR-22 Insurance in Connecticut by City
Your location plays a major role in how much you’ll pay for SR-22 insurance. The table below highlights the cheapest SR-22 rates available in major Connecticut cities, helping you spot where premiums tend to run higher or lower.
| City | Average annual premium |
|---|---|
| Norwalk | $842 |
| Jewett City | $862 |
| New London | $873 |
| Milford | $893 |
| Middletown | $898 |
| Stamford | $924 |
| Derby | $970 |
| Bristol | $976 |
| Hartford | $1,264 |
| Bridgeport | $1,318 |
Common Hidden Costs in SR-22 Insurance
When budgeting for SR-22 insurance, it’s easy to focus just on the premiums quoted. However, there are a few hidden costs and considerations that drivers might overlook. Being aware of these “fine print” items can prevent costly surprises:
- SR-22 Filing Fee: As mentioned, insurers charge a small fee to file the SR-22 form with the state, typically $15 to $25
. This fee is usually added to your first premium payment. It’s not huge, but note that some companies may charge it each time your policy renews during the SR-22 period. For example, if you have a 6-month policy, you might pay $15 at the start and another $15 at the 6-month renewal for them to re-file the certificate (or to maintain it). Over 3 years (six renewals), that’s $90 in fees. Not all insurers do this (some only charge at inception), but it’s worth asking. Hidden cost: Potentially recurring filing fees every renewal.
- Policy Maintenance Fees: Some high-risk insurance providers have various admin fees – e.g., an “installment fee” if you pay monthly, a “policy setup fee,” or even an “SR-22 surcharge.” Always review the quote breakdown or ask the agent. For instance, a company might advertise a low rate but tack on a $50 policy fee. Hidden cost: Extra fees that aren’t part of the base premium.
- License Reinstatement Fees (DMV): While not part of your insurance policy, don’t forget the DMV fees associated with an SR-22 situation. In Connecticut, if your license was suspended (common when an SR-22 is required), you’ll have to pay a license reinstatement fee to the DMV. This might be on the order of ~$175 (for alcohol-related suspensions) or similar. Also, if your SR-22 lapses, you may incur additional penalties and fees to reinstate. Hidden cost: One-time or recurring DMV fees outside of insurance.
- Ignition Interlock and Other Requirements: If your SR-22 is due to a DUI conviction, Connecticut will likely require you to install an Ignition Interlock Device (IID) in your car for a period (usually 1 year for first offense)
Full Coverage vs. Liability-Only SR22: What Saves the Most?
Most drivers assume full coverage is a must, but if your vehicle is older or low in value, liability-only SR22 insurance may be the smarter move — especially when cost is the priority.
| Coverage Type | Avg. Monthly Premium | Best for |
|---|---|---|
| Liability-Only | $75–$110 | Older cars, cost-conscious drivers |
| Full Coverage | $135–$220 | Newer vehicles, financed cars |
Non-Owner SR22 in Connecticut: The Best-Kept Secret
If you don’t own a vehicle but still need to file an SR22 in Connecticut, a non-owner policy can save you hundreds — and it’s fully compliant with DMV requirements.
| Policy Type | Typical Cost (CT) | Use Case |
|---|---|---|
| Owner SR22 | $1,400–$2,100 | Drivers who own a car |
| Non-Owner SR22 | $500–$850 | Borrowers, rideshare users, car-free households |
Smart Payment Strategies to Cut Costs Further
Most Connecticut drivers pay SR-22 insurance monthly — and don’t realize they’re being charged installment and processing fees along the way. Switching how you pay can instantly save $100 or more per year.
Monthly vs. Paid-in-Full
| Payment Style | Avg. Annual Cost (Liability-Only) | Fees Included? |
|---|---|---|
| Monthly | $1,750–$1,900 | Yes |
| Annual (Paid-in-Full) | $1,550–$1,650 | No |
How to Compare SR22 Quotes Like a Pro (and What to Avoid)
- Compare at least 4–5 insurers — not just 1–2.
- Request quotes for both liability-only and full coverage.
- Ask about non-owner options if you don’t currently have a car.
- Get a copy of the quote breakdown — including any SR-22 filing fees.
- Use the same deductible and coverage limits for each comparison.
What to Avoid:
- Relying only on big-name quote engines. Many don’t show regional insurers or brokers.
- Not asking if SR-22 filing is included (some insurers quote without it).
- Failing to shop again after 6 months — rates can drop as you maintain a clean record.
Liability-Only vs. Full Coverage SR22: What’s the Smartest Choice?
One of the biggest decisions when shopping for SR22 insurance is whether to go with liability-only or full coverage. If your main goal is to get cheap SR22 insurance in Connecticut, liability-only is often the best place to start—especially if your car is older or fully paid off.
| Coverage Type | Typical Monthly Cost | Best For |
|---|---|---|
| Liability-Only | $75–$110 | Older vehicles, cost-focused drivers |
| Full Coverage | $135–$220 | Newer or financed cars |
Liability-only policies satisfy the state’s minimum requirements and are much cheaper to maintain. Full coverage, on the other hand, adds collision and comprehensive coverage—which could be worth it if your car is newer or financed, but might not make sense for a vehicle worth less than $5,000.
Quick tip: If your full coverage premium exceeds 10% of your car’s market value annually, you’re probably overpaying. In that case, scale down to liability-only and redirect the savings toward your other financial goals.
When Full Coverage Is Worth It
- Your vehicle is less than 5 years old
- You’re still paying off a car loan
- You rely on your car for daily work or long commutes
When to Choose Liability-Only
- Your car is paid off and worth under $4,000
- You want the absolute lowest SR22 insurance rate
- You drive infrequently or store the car for part of the year
Non-Owner SR22 Insurance in Connecticut: The Cheapest Legal Option
If you need to file an SR-22 in Connecticut but don’t currently own a car, a non-owner SR22 insurance policy could save you hundreds of dollars each year. These policies provide the minimum liability coverage required by the state and allow your insurer to file the SR-22 on your behalf — all without insuring a specific vehicle.
Non-owner SR22 is ideal if:
- Your license is suspended but you don’t drive regularly
- You borrow or rent vehicles occasionally
- You sold your vehicle but still need to reinstate your license
Estimated Non-Owner SR22 Premium in CT:
| Policy Type | Monthly Cost | Annual Cost |
|---|---|---|
| Non-Owner SR22 | $40–$70 | $480–$840 |
| Owner SR22 (Liability Only) | $80–$115 | $960–$1,380 |
Tip: If you’re required to carry SR-22 insurance for 2–3 years, switching to a non-owner policy during vehicle-free periods can slash your total cost dramatically.
How to Shop Smart for SR22 Insurance in Connecticut
Getting the best SR22 rate isn’t about choosing the first company that files — it’s about knowing where to look and how to compare. Here’s how to shop strategically:
✅ Smart Shopping Checklist
- Compare at least 4–5 providers — quotes can differ by over $1,000
- Always ask if SR-22 filing is included in the quote
- Request quotes for both liability-only and full coverage
- If you don’t own a car, ask specifically for non-owner SR22 insurance
- Use the same deductible and coverage levels when comparing quotes
Also consider using a local independent insurance agent. They can often access regional insurers that don’t appear on national quote websites and may offer better rates to high-risk drivers in Connecticut.
SR-22 Insurance Discounts Most Drivers Don’t Know About
Even with a spotty driving record, you can still qualify for valuable insurance discounts — and they apply to SR-22 coverage in Connecticut just like any other policy.
| Discount Type | Typical Savings | How to Qualify |
|---|---|---|
| Bundling | 10–25% | Combine auto + renters/homeowners insurance |
| Paperless Billing | $25–$50/year | Opt in for e-statements |
| Auto-Pay | $50+/year | Connect to checking account or credit card |
| Safe Driver Telematics | Up to 30% | Install app or device to prove good habits |
| Low Mileage | 5–10% | Drive under 7,500 miles annually |
| Paid-in-Full | $75–$150 | Pay 6–12 months upfront |
| Defensive Driving Course | 5%–15% | Complete DMV-approved safety class |
Pro Tip: Some insurers offer telematics programs that reward safe driving habits with lower premiums. Even with an SR-22 on file, joining these programs can help reduce your rate after just 3–6 months.
When to Recheck Your SR22 Insurance Rate (And Why Most People Don’t)
Most drivers think they’re stuck with high SR22 rates for 3 years — but that’s a costly mistake. In reality, your premium can drop dramatically after just 6–12 months of good behavior, if you re-shop your policy. Here’s why timing matters.
Why Rates Drop Faster Than You Think
- After 6 months of clean driving, some insurers reduce your “risk tier”
- After 12 months, many providers re-run your record and recalculate
- Insurers compete for renewal business — they often quote lower for new customers than existing ones
Example: A driver in Stamford with a DUI got a $165/month policy at first. After 9 months with no incidents, they re-quoted and found an offer for $112/month from a different insurer — $636/year saved.
Why Most People Don’t Re-Shop
- They assume the SR22 locks them in for 3 years (it doesn’t)
- They fear losing coverage or missing DMV compliance — but new providers file the SR22 immediately
- They forget their renewal date or never receive reminder emails
When to Set a Reminder
- 3 months before your 1-year renewal date
- Every 6 months during your SR22 term
- Any time your record improves or points expire
Bottom Line: If you haven’t checked your SR22 insurance rate in over 6 months, you’re almost certainly overpaying. A 20-minute re-quote could save you hundreds.
- Driving without insurance (lapse in coverage): ~$2,070 per year insurance.com.
- First DUI/DWI offense: ~$4,344 per year insurance.com. This is roughly double the cost of an SR-22 for an insurance lapse, showing how severely a DUI impacts rates.
- Second DUI offense: ~$7,617 per year insurance.com – astronomically high, reflecting the compounding risk of multiple offenses. Many insurers might refuse to renew a policy at this pointinsurance.com.
- Reckless driving conviction: ~$3,925 per year insurance.com.
- Clean record (no SR-22 needed, for comparison): About $1,000–$1,300 per year for a similar full coverage policy in CT (approximate statewide average bankrate.com). In other words, a first DUI can quadruple your insurance cost in Connecticut.
Insight: According to a recent analysis, SR-22 drivers in Connecticut pay nearly triple the premium of drivers with clean records – the average minimum coverage policy costs about $237 per month with an SR-22 vs. $83 per month with no violations moneygeek.com. That’s an increase of roughly $154 extra per month due to the violation and SR-22 status. This underscores how expensive high-risk insurance can be.
Effect of Driver Profile (DUI vs Lapse vs Young Driver)
Your driving history plays a major role in your SR-22 insurance costs.
DUI
A first DUI can raise your premiums to over $4,000/year. Some insurers are more forgiving, but many aren’t. One insurer in CT might charge twice what another does.
Example: State Farm offers SR-22 DUI policies starting at ~$1,858/year. Others go well over $5,000. (insurance.com)
Insurance Lapse
Getting caught driving uninsured typically costs less than a DUI, but still spikes your rates. Average CT rate: $2,070/year. (insurance.com)
That’s still much higher than a clean record (~$1,000–$1,500), but if no major accidents occurred, some insurers may view you as lower risk.
Young Drivers
If you’re under 25 and need SR-22 insurance, prepare for extremely high rates. A 17-year-old with a DUI could pay $3,370/year for minimum coverage. (forbes.com)
In CT, a 20-year-old with an SR-22 and DUI could be quoted $5,000+ per year for full coverage. Minimum liability might be your only affordable option.
Bottom line: DUI = highest cost. Lapse = costly, but cheaper. Youth = adds a big surcharge on top of both.
Example Story: How One Driver in Waterbury Saved $1,000
Marcus, a 34-year-old from Waterbury, got an SR-22 requirement after being caught driving without insurance. His initial quotes came in around $180/month — more than double what he paid before.
Instead of accepting the first offer, Marcus did the following:
- Switched to liability-only (his car was a 2009 Corolla worth $3,500)
- Paid 6 months in full to skip installment fees
- Bundled with his renters policy
- Used Progressive’s telematics program
Result: Marcus locked in a rate of $94/month — saving over $1,000 per year compared to his original quote.
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