Non-owner car insurance in Connecticut

Who provides non-owner insurance in Connecticut?

Rates were gathered for 6 companies, sorted from least to most expensive. Only military families can buy from USAA, which charges $421.

What a Connecticut non-owner policy must include

Conn. Gen. Stat. 14-112 establishes the minimum liability requirement. The policy must cover each injured person for $25,000, and a single accident needs $50,000 in total. Damage to property also calls for $25,000. You'll find the rules in Chapter 246 of the Connecticut General Statutes. That chapter also acknowledges an operator's policy, which follows the person instead of a particular car.

Two extra coverages are required by Section 38a-336, which sits in Chapter 700 of the General Statutes. Uninsured motorist coverage pays your costs when an uninsured driver hurts you. When the other driver's insurance limit is reached, underinsured motorist kicks in. Each of these must equal or exceed the liability minimums.

When does the Connecticut DMV require an SR-22?

Every policy in Connecticut must include uninsured and underinsured motorist protection that at least matches the liability amounts. You get an SR-22 only if the DMV commissioner orders it after reviewing your driving record.

An SR-22 serves as the certificate your insurer submits to show you carry liability coverage. After a DUI, reckless driving, or racing, the requirement is no longer automatic in Connecticut, as a legislative bill analysis explains. Proof can still be demanded by the commissioner whenever a driving record supports it.

Subsection (j) of 14-112 lists what triggers a filing. Stealing a car worth over $10,000 is one, as is misusing plates under section 14-147. Repeat convictions inside twelve months under named sections count as well. Until proof arrives, the DMV keeps your license suspended if you fail to file.

Here the law works in your favor. Your insurer must make the filing once it holds a valid policy that covers you. They may charge you no more than ten dollars for it. You may request removal of the requirement after twelve months, but the commissioner makes the final call.

Connecticut: Suspensions, Coverage Lapses, and the $175 Fee

To get your suspended license back, you pay $175. You can submit the payment online, by phone, or by mail, as the DMV's license suspension page directs. For alcohol-related cases, there is also a $100 interlock fee.

A simple lapse in coverage is treated differently. That situation is managed by the DMV's Insurance Compliance Unit, without any SR-22 filing. The insurance company you had before tells the state about the gap, and then you get a warning. Based on the DMV's insurance compliance page, the matter is closed once you pay a $200 fine. Allow up to 10 days for mailed documents to be processed.

Sometimes reports result from nothing more than moving your insurance from one company to another. When you switch insurers without any actual gap, you do not have to pay the fine. Use mail to send the permanent insurance card or the new declaration page.

How age affects prices in Connecticut

For a teen driver, the yearly price is about $2,966.