Connecticut License Suspended for Points
Connecticut requires 25/50/25 liability coverage and is an at-fault state.
Get My Point-Reduction Insurance 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 a point-accumulation system that assigns values to each moving violation based on severity. When you reach 10 points within a 24-month rolling window, the Connecticut Department of Motor Vehicles suspends your license automatically. The suspension length depends on whether this is your first points-driven suspension or a repeat event. Connecticut DMV requires proof of insurance at reinstatement and completion of a driver retraining course if ordered.
Liability Insurance
Uninsured Motorist Coverage
High-Risk Auto Insurance
SR-22 Filing
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
What Affects Your Rate
- Connecticut assigns 2 points for speeding 1 to 9 mph over, 3 points for 10 to 19 mph over, 4 points for 20 to 29 mph over, and 5 points for 30 mph or more over the limit.
- Distracted driving violations add 1 point, but carriers treat cell phone tickets as higher-severity offenses in premium calculations than the point value suggests.
- Connecticut removes points from your record 2 years after the violation date, not the conviction date, which means your insurance surcharges may persist longer than the DMV point count.
- Completing a DMV-approved defensive driving course removes 2 points immediately and typically reduces your premium 5 to 10 percent for 3 years, but you can only use the course once every 3 years.
- Drivers under 25 with points-driven suspensions see the steepest rate increases because age and violation history compound in carrier pricing models.
- Hartford, New Haven, Bridgeport, and Stamford drivers pay 15 to 25 percent more than suburban Connecticut rates due to claim frequency and vehicle theft density in those cities.
Find Coverage While Your Points Come Down
Get My Point-Reduction Insurance 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
How many points suspend your license in Connecticut?
Connecticut suspends your license at 10 points within a 24-month rolling window. Each violation adds points based on severity: speeding 1 to 9 mph over adds 2 points, 10 to 19 mph over adds 3 points, 20 to 29 mph over adds 4 points, and 30 mph or more over adds 5 points. Points remain on your record for 2 years from the violation date, and the DMV counts all points accumulated during any 24-month period to determine suspension.
Can you get a hardship license after a points suspension in Connecticut?
Connecticut allows restricted travel permits for drivers whose suspension creates employment hardship. You must prove that losing your license prevents you from working and no alternative transportation is available. The application is submitted to the Connecticut DMV's Medical and Hearing Unit, and approval typically takes 3 to 4 weeks. The permit restricts travel to work, medical appointments, and court-ordered obligations only.
Do you need SR-22 after a points suspension in Connecticut?
Connecticut does not require SR-22 filing for points-threshold suspensions alone unless one of the underlying violations specifically triggered SR-22. DUI, reckless driving, driving without insurance, and at-fault accidents without coverage all require SR-22 for 3 years from the conviction date. If your violations were speeding, distracted driving, or similar moving violations, you do not need SR-22.
How long do points stay on your record in Connecticut?
Connecticut removes points from your driving record 2 years after the violation date, not the conviction date. If you received a speeding ticket on January 15, 2024, those points expire January 15, 2026, regardless of when the court processed your conviction. Insurance surcharges often persist for 3 to 5 years after the conviction date, which means your premiums remain elevated longer than the DMV point count.
Coverage Types
High-Risk Auto Insurance
Non-standard auto insurance covers drivers who accumulate too many points, receive multiple moving violations, or face license suspension. Carriers assign you to high-risk underwriting divisions where premiums increase 50 to 100 percent but coverage remains available.
Liability Insurance
Liability insurance covers bodily injury and property damage you cause to others in an accident. Connecticut requires 25/50/25 minimums, but these limits are exhausted quickly in multi-vehicle accidents or injuries requiring hospitalization.
Uninsured Motorist Coverage
Uninsured motorist coverage pays your medical bills and vehicle damage when another driver causes an accident and has no insurance or insufficient limits. Connecticut requires this coverage unless you reject it in writing.
SR-22 Filing
SR-22 is a certificate your insurer files with the state to prove you carry continuous liability coverage. Connecticut requires SR-22 for DUI, reckless driving, driving without insurance, and at-fault accidents without coverage, but not for points-threshold suspensions alone.