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.
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.
Get insured and start your reinstatement process today
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Get Your Free QuoteCoverage 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
Sources
- Connecticut Department of Motor Vehicles — SR-22 filing requirements and reinstatement procedures
- Connecticut Insurance Department — liability minimum coverage regulations
- National Association of Insurance Commissioners — Non-Owner Auto Insurance Database