Non-Owner SR-22 Insurance in Connecticut
Connecticut requires 25/50/25 liability coverage and is an at-fault state.
Get My Non-Owner SR-22 QuoteConnecticut at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
$175
State license reinstatement fee, about 10 days to process
Source: state DMV, insurance department and statute records, verified July 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.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Non-Owner SR-22
What Drivers Pay in Connecticut
$351–$602/mo
Typical monthly rate in Connecticut, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Cover Your Filing Before You Own a Car Again
Get My Non-Owner SR-22 QuoteIf your license is suspended
Special Use Permit (Special Operators Permit) for suspended drivers
application fee $100, about 10 days to process.
A coverage lapse is reported
The state acts on a lapse after 14 days.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
Does non-owner SR-22 insurance work if I don't have a car in Connecticut?
Yes. Connecticut accepts non-owner SR-22 policies to satisfy filing requirements without a vehicle attached. Non-owner policies provide liability coverage when you drive a borrowed or rented vehicle with permission and include the SR-22 certificate filed with the Connecticut DMV. If you acquire a vehicle during the filing period, you must convert to an owner policy or your non-owner policy will not cover the new vehicle.
How long do I need to keep SR-22 filing in Connecticut?
Connecticut requires SR-22 filing for 3 years after a DUI conviction, measured from the conviction date, not the filing date. If your policy lapses or cancels during the filing period, the carrier notifies the Connecticut DMV within 10 days and your license is re-suspended immediately. The 3-year clock restarts from the date you file a new SR-22 after a lapse.
Which insurance companies write non-owner SR-22 in Connecticut?
Progressive, The General, National General, and Dairyland write non-owner SR-22 policies in Connecticut. Most standard carriers like State Farm and GEICO do not offer non-owner SR-22 for high-risk drivers. Non-standard carriers quote and file SR-22 certificates within 24–48 hours of policy purchase, and the Connecticut DMV processes the filing within 3–5 business days.
Does non-owner SR-22 cover rental cars in Connecticut?
Yes. Non-owner SR-22 policies provide liability coverage when you rent a vehicle, and the SR-22 certificate remains active as long as the policy is in force. Connecticut law requires rental agencies to offer liability coverage, but your non-owner policy satisfies the state minimum and allows you to decline the rental agency's liability add-on. Non-owner policies do not include physical damage coverage for the rental vehicle — you still need the rental agency's collision damage waiver or a separate rental car policy.
Can I get non-owner SR-22 if my license is currently suspended in Connecticut?
Yes, but you must reinstate your license before the non-owner SR-22 policy becomes legally effective for driving. Connecticut requires you to pay the reinstatement fee, complete any court-ordered programs, and file SR-22 proof of insurance before the DMV removes the suspension. You can purchase the non-owner SR-22 policy while suspended — the carrier files the certificate immediately — but you cannot legally drive until the DMV processes your reinstatement, which takes 5–10 business days after the SR-22 is received.
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.