Non-Owner SR-22 Insurance in Connecticut

If Connecticut has ordered you to file an SR-22 and you do not own a car, a non-owner SR-22 policy is usually the lowest-cost way to meet the requirement and reinstate your license. Connecticut requires at least 25/50/25 liability coverage.

Who needs a non-owner SR-22 in Connecticut?

Connecticut drivers are commonly ordered to file an SR-22 after a DUI, after driving without insurance, after an uninsured accident, or after a license suspension for points or unpaid judgments. If you do not own a vehicle and have no regular access to one, a non-owner policy satisfies the Connecticut DMV.

How to get a non-owner SR-22 in Connecticut

1. Confirm the requirement. Check your suspension notice or court paperwork, or call the Connecticut DMV, to confirm that you need an SR-22, how long you need it, and any reinstatement fees.
2. Request non-owner quotes. Tell the agent that you do not own a vehicle and do not have regular use of one. You must also list everyone in your household who owns a car, because household access can disqualify you.
3. Buy the policy and pay the filing fee. The insurer files the SR-22 with Connecticut electronically, usually within one business day.
4. Pay reinstatement fees and keep the policy active. If the policy lapses, the insurer must notify the state, and your license can be suspended again.

Connecticut details to know

Connecticut is one of the most expensive states for non-owner SR-22 insurance, with averages well above $1,000 a year in industry studies. The Connecticut DMV requires an SR-22 after certain suspensions, including some alcohol-related offenses. Shopping several carriers is essential here.

Connecticut non-owner SR-22 FAQ

Figures are general guidance as of 2026-11-13. Requirements change, so confirm with the Connecticut DMV or your court before you buy a policy.

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