Connecticut SR22 Insurance Quotes & SR22 Information

There are certain types of violations in Connecticut that may require a driver to get a SR22 insurance policy prior to getting their license reinstated. The mandatory minimum period that you may have to carry a SR22 policy in Connecticut is three years, but there are always exceptions to this rule. That is why it is extremely important for you to appear at your administrative hearing, if you have one, and to also talk with an attorney in your area to discuss what legal actions can be taken to possibly reduce these charges.

The list of violations in Connecticut includes, but is not limited to the following:

• Drunk driving violations (DUI/DWI)


• Accumulate enough minor moving violations in one year than state law permits


• A suspension from unpaid fines or parking violations


• Being involved in uninsured accidents


• A failure to comply with other DMV laws and/or regulations

What happens at a Connecticut Administrative hearing?

At an administrative hearing you will have the opportunity to present any evidence and witnesses that you have subpoenaed* in your favor to dispute the evidence that is being presented against you from the arresting officer. Once all the evidence has been submitted and all testimonies given, the administrative hearing officer will render a decision as to whether to uphold the action against you or dismiss the action all together.

*Witnesses will need to be subpoenaed prior to the administrative hearing.

Download Administrative Hearing request form

Connecticut DMV Offices

Does Connecticut have a “permit to drive to work” program?

Yes, Connecticut calls this a Special Operators Permit. These permits to drive to work are constrained by strict standards and the misuse of a permit leads to consequences of considerable punitive action.

These permits are authorized in accordance with Connecticut State Law Title 14 Sec. 14-37a and defined in the Regulations of Connecticut State Agencies in Sec.14-37a.

To obtain an application for Special Permit to operate a motor vehicle to and from work. Fill out and submit Form A-62.

If you are having problems downloading this form for a Special Permit, please call the Driver Services Division at 860-263-5720, select number 1, then option 7 and follow the instructions.

Important: Applications are only processed by mail and responses will be returned following receipt of a completed application. Please mail your completed applications to:

Connecticut Department of Motor Vehicles
Driver Services Division
60 State Street
Wethersfield, CT 06161-2525

Important: You cannot operate a motor vehicle until you have received an official notice from the Connecticut DMV notifying you that the Special Operator's Permit has been processed.

What steps do I need to take to get my license reinstated?

First of all you will need to serve any jail time, suspension/revocation/cancellation periods, attend any alcohol treatment classes, and have an ignition interlock device installed into your vehicle (if required by the court) prior to obtaining and filing a S22 Insurance policy (Certificate of Financial Responsibility) with the Connecticut DMV to start the process of getting your drivers license reinstated.

It is a good idea to get a copy of your DMV record (Driver history) so you can verify the status of your driving privileges and any charges that have been brought against you. Knowing the status of your driving privileges will help you file the correct forms to submit to the Connecticut DMV and will also aid in the process of finding Connecticut SR22 insurance.

Once you have obtained a SR22 insurance policy, your insurance company must send the (SR22) Certificate of Financial Responsibility to:

State of Connecticut
Department of Motor Vehicles
Driver Services Division
60 State Street
Wethersfield, CT 06161-2525

NOTE: Neither facsimile nor photocopy submissions are acceptable it must be an original document.

After you have verification that the Connecticut DMV has received your (SR22) Certificate of Financial Responsibility, you will need to pay the appropriate fee and fulfill any other driver license reinstatement requirements that correspond with your particular offense.

Important: According to the Connecticut DMV when and individual is resolving a suspension there are no in-person transactions conducted at any office of the DMV for license restoration or suspension activity. All transactions must be conducted by mail and addressed to:

Connecticut Department of Motor Vehicles
Driver Services Division
60 State Street
Wethersfield, CT 06161-2525

Suspension or restoration information is also available 24 hours a day, seven days a week by calling 860-263-5720.

Note: Driver's are encouraged to submit their restoration correspondence two weeks prior to the restoration date to allow time for processing. You are not permitted to operate a motor vehicle until you receive an official notice from the Department of Motor Vehicles informing you that your restoration has been processed. (Connecticut DMV)

How do I contact the Connecticut DMV Insurance Compliance Unit?

Department of Motor Vehicles
Insurance Compliance Unit
60 State Street
Wethersfield, CT 06161-4020

Phone 1-800-842-8222 within the Hartford area or 860-263-5700.

What are the minimum liability requirements for insurance in Connecticut?

• $20,000 – Bodily Injury Liability- for each person in an accident; $40,000 per accident


• $10,000 – Property Damage Liability – for damage to another person’s property


• $20,000 – Uninsured or Underinsured Motorist Coverage for bodily injury for each person per accident and $40,000 per accident
  

What steps can I take to avoid a lapse in my SR22 insurance coverage?

The best step to take is to pay your SR22 insurance policy premium as far in advance as you can, we suggest 2-3 months. If paying this far in advance is not possible, pay at least 1-month in advance to avoid any lapses in coverage. We can also help you save hundreds of dollars a year on your SR22 insurance policy just by filling out our simple online quote form, just type in your zip code below to start the process.

What will happen if I have a lapse in my SR22 insurance coverage?

By law the issuing insurance company is required to notify the Connecticut DMV when there has been any lapse in insurance coverage. They (insurance provider) will complete and submit a SR26 form to the DMV notifying them that there has been a termination/cancellation/lapse in the Certificate of Financial Responsibility (SR22) coverage.

The DMV will then suspend/revoke/cancel your driver’s license again, causing you to incur more fees, possibly serve a jail sentence, and you may be required to start the SR22 insurance coverage period from the beginning.

What is Connecticut’s Ignition Interlock Program?

The purpose of this program is to provide certain drivers that have been convicted of a second DUI (from either drugs or alcohol), or have had a conviction of a Vehicular Assault or Vehicular Manslaughter; and the only way possible for them to drive is to have an Ignition Interlock Device (IID) installed in their vehicle for a 24-month period following a license restoration.

For Connecticut residents to be considered eligible for the IID program, according to (pursuant) Public Act 08-150, they will need:

• A valid Connecticut driver’s license


• Their driver’s license must have been suspended for a 2nd DUI conviction within a ten-year period (on or after September 1, 2003)


• Their driver’s license must have been suspended for a conviction of Vehicular Manslaughter or Vehicular Assault


• To have served a minimum of one year of the required license suspension


• To NOT have any additional or pending license suspensions


• To have had the Ignition Interlock Device installed in all vehicles that are owned and/or operated by you, and have completed and submitted the Ignition Interlock Device application (Form RS-1)

According to the Connecticut DMV, an out-of-state driver that has an Ignition Interlock Device (IID) restriction that wishes to surrender an operator’s license issued by another state must:

• Have served a suspension of a least one year, under the provisions of Connecticut General statute §14-227a, §53a-56b, or §53a-60d


• Have recently submitted a certified copy of their driving history and vehicle registration records from the Connecticut State of Record for review


• Have a Connecticut driver’s license


• Have obtained a Connecticut registration within 60 days of issuance of a Connecticut driver's license

Important: All participants in the Ignition Interlock Device program must pay all the costs involved with the installation and maintenance of the IID directly to the IID vendor.

Upon successful IID installation and verification by the Connecticut DMV, the participant will have their license restored and their DMV records will show that the driver must have an IID installed in all the vehicles owned and operated by the driver.

Also it is important to remember that police officers have access to this information, so it is not a good idea to be pulled over in a vehicle that you are driving that does not have an IID installed. You may be subject to a jail sentence, additional and higher fees, possibly a longer driver's license suspension/revocation/cancellation period, and possibly an extended IID program period.

For additional information on Connecticut’s ignition interlock device program please visit the IID program overview page on the Connecticut DMV website.

Additional Connecticut Resources:

DMV Fees

DMV Offices

DMV Pod casts

Online Services

Requirements for Automobile Insurance

Safety and Enforcement

Teenage Drivers