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Non-Owner SR-22 Insurance in Connecticut

Connecticut requires 25/50/25 liability minimums for SR-22 filing, typically for 3 years after a DUI or license suspension. Non-owner SR-22 policies cost $40–$75/month in Connecticut — 40–60% less than owner SR-22 — and satisfy state filing requirements without a vehicle attached.

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Updated May 2026

Minimum Coverage Requirements in Connecticut

Connecticut operates under a tort-based liability system and requires all drivers to carry proof of insurance at all times. The Connecticut Department of Motor Vehicles mandates SR-22 filing for drivers with DUI convictions, multiple at-fault accidents, or driving while suspended. Connecticut law allows non-owner SR-22 policies to satisfy the state filing requirement without naming a specific vehicle.

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$25,000 per person / $50,000 per accident
Bodily Injury Liability
Covers injuries you cause to others in an accident. Connecticut's 25/50 minimum is among the lowest in the Northeast — one hospitalization can exceed $50,000. Non-owner policies provide this coverage when you drive a borrowed or rented vehicle with permission, but do not cover vehicles you own or vehicles registered to household members you drive regularly.
$25,000 per accident
Property Damage Liability
Pays for damage you cause to another person's vehicle or property. Connecticut's $25,000 limit covers most single-vehicle accidents but falls short in multi-car pileups common on I-95 and I-84 during winter weather. Non-owner policies include this coverage for any vehicle you drive with permission, excluding owned vehicles.
$25,000 per person / $50,000 per accident (must match liability limits or be rejected in writing)
Uninsured Motorist Coverage
Connecticut automatically includes uninsured motorist coverage at the same limits as your liability unless you reject it in writing at policy inception. Verbal rejection does not count — the coverage is added and billed if the rejection form is not completed. Non-owner policies include UM coverage by default, protecting you when driving borrowed vehicles.
Continuous liability coverage with SR-22 filing
Non-Owner SR-22
The SR-22 is not insurance but a certificate your carrier files with the Connecticut DMV proving continuous liability coverage. Non-owner SR-22 policies satisfy the filing requirement without naming a vehicle. If your policy lapses or cancels during the filing period, the carrier notifies the DMV within 10 days and your license is re-suspended immediately. Connecticut's filing period runs 3 years from the conviction date for DUI, not from the filing date.
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?

Non-owner SR-22 premiums in Connecticut run 40–60% lower than owner SR-22 because no vehicle is attached — no comprehensive, no collision, no specific VIN on file. Rates vary by the underlying violation, driver age, filing duration, and whether prior lapses occurred during a filing period.

What Affects Your Rate

  • DUI convictions increase non-owner SR-22 rates 60–90% compared to non-SR-22 non-owner policies in Connecticut.
  • Drivers under 25 pay 30–50% more for non-owner SR-22 due to age-based rate adjustments applied to SR-22 filings statewide.
  • Urban zip codes in Hartford, New Haven, and Bridgeport carry 15–25% higher non-owner premiums due to higher uninsured motorist rates and liability claim frequency.
  • Filing lapses during a prior SR-22 period increase rates 20–40% because carriers classify prior lapses as high non-compliance risk.
  • Credit-based insurance scores impact non-owner SR-22 rates in Connecticut — low scores add $15–$30/month even on minimum coverage.
  • Suspended license history beyond the current filing requirement adds 10–20% to non-owner SR-22 premiums due to carrier underwriting models.
Minimum Coverage
$40–$55/mo
State minimum 25/50/25 liability with SR-22 filing. Covers borrowed vehicles only. No comprehensive or collision. Lowest legal option for carless drivers.
Standard Coverage
$60–$85/mo
Increased liability limits to 50/100/50 or 100/300/100 with uninsured motorist at matching limits. Recommended for drivers who borrow vehicles regularly or have assets to protect.
Full Coverage
$90–$120/mo
Maximum liability limits (250/500/100) with medical payments and rental reimbursement riders. Rarely selected for non-owner policies but available for high-net-worth drivers.

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Coverage Types

Non-Owner SR-22 Insurance

Liability coverage with SR-22 filing for drivers who do not own a vehicle. Satisfies Connecticut DMV filing requirements and covers you when driving borrowed or rented vehicles with permission.

Liability-Only Non-Owner Coverage

Provides bodily injury and property damage liability when driving vehicles you do not own. No comprehensive or collision coverage included.

Uninsured Motorist Coverage

Protects you when hit by an uninsured or underinsured driver. Automatically included on Connecticut non-owner policies unless rejected in writing at policy inception.

Occasional Driver Insurance

Named non-owner policies for drivers who borrow vehicles occasionally. Covers liability and UM when driving with permission, excluding vehicles owned by you or household members.

Compliance-Only Non-Owner Policy

Bare minimum 25/50/25 liability with SR-22 filing and no additional coverages. Designed solely to satisfy Connecticut DMV filing requirements at the lowest legal cost.

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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