Connecticut Suspended License Reinstatement & Insurance
Connecticut requires 25/50/25 liability coverage and is an at-fault state.
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Connecticut 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
State Requirements
Connecticut operates under a traditional tort liability system where at-fault drivers are financially responsible for damages. All drivers must carry proof of insurance and present it during traffic stops or after accidents. The Connecticut Department of Motor Vehicles requires electronic verification of coverage through the Insurance Verification System, which automatically flags uninsured vehicles for registration suspension.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
SR-22 Certificate of Insurance
Cost Overview
$351–$602/mo
Typical monthly rate in Connecticut, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Connecticut's continuous insurance verification system means any coverage lapse triggers immediate DMV notification and potential re-suspension
Line Up Coverage Before Your License Comes Back
Get Back on the RoadIf 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
Can I get a hardship license in Connecticut during suspension?
Connecticut does not offer traditional hardship or work permits during most suspensions. However, if suspended for DUI first offense, you may be eligible for the Ignition Interlock Device (IID) program after a mandatory suspension period, allowing restricted driving with an installed breathalyzer. This requires DMV approval, IID installation certification, and maintenance of SR-22 insurance throughout the restricted license period.
How long do I need SR-22 insurance in Connecticut?
Connecticut requires three years of continuous SR-22 filing from the date of reinstatement following DUI, reckless driving, driving while suspended, or accumulating excessive violations. Any lapse in coverage triggers automatic license re-suspension and restarts the full three-year period. Your insurer files SR-22 electronically with the DMV and must notify them within 24 hours if your policy cancels.
Will my insurance cancel if I get a suspended license in Connecticut?
Your insurer may cancel your policy following suspension for serious violations like DUI, though Connecticut law requires 45 days advance notice. If you're required to file SR-22, you must obtain coverage from a company willing to insure suspended drivers and file electronically with the DMV. Non-standard insurers specialize in high-risk coverage and SR-22 filing for drivers in reinstatement process.
Coverage Types
SR-22 Insurance
Electronic certificate filed by your insurer proving continuous coverage to the Connecticut DMV. Required for three years following DUI, reckless driving, multiple violations, or driving without insurance.
Non-Owner SR-22
Liability-only policy for suspended drivers without a vehicle who must maintain SR-22 filing to satisfy reinstatement requirements. Covers you when driving borrowed or rental vehicles.
Liability Insurance
Covers bodily injury and property damage you cause to others. Connecticut's 25/50/25 minimum is legally sufficient but financially inadequate for most accidents.
Uninsured Motorist Coverage
Protects you when hit by a driver without insurance or with insufficient coverage. Connecticut requires insurers to offer this at limits matching your liability coverage.
Non-Standard Auto Insurance
Coverage designed for high-risk drivers including those with suspensions, DUI convictions, or multiple violations. Offers state-minimum compliance with specialized underwriting.
Comprehensive Coverage
Covers vehicle damage from theft, vandalism, weather, and animal collisions. Not legally required but often mandated by lenders.