Connecticut FTA License Suspension & Reinstatement
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
Minimum Coverage Requirements in Connecticut
Connecticut operates under a tort liability system, meaning the at-fault driver's insurance pays for injuries and damage. The state requires continuous proof of insurance—any lapse triggers an automatic suspension separate from the FTA hold. If you missed court for an uninsured-driving citation, you face two distinct suspensions: the FTA hold and a lapse suspension once the ticket is adjudicated.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
SR-22 Certificate (Conditional)
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
Get Back on the Road After a Missed Court Date
Get My Post-FTA 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
Can I get car insurance in Connecticut while my license is suspended for FTA?
Yes. Connecticut does not prohibit purchasing insurance while suspended—you need current coverage to satisfy the court and DMV at reinstatement. Non-standard carriers write policies for suspended drivers. Purchase the policy before your court date so you have proof of coverage when you appear.
Does Connecticut require SR-22 after an FTA suspension?
FTA holds alone do not trigger SR-22 requirements. If the citation you missed court for was uninsured driving, reckless driving, or driving under suspension, Connecticut may require 3 years of SR-22 filing after conviction. Check your court paperwork or contact the DMV Suspension Unit to confirm whether SR-22 is mandated in your case.
Coverage Types
Post-FTA Reinstatement Insurance
Specialized carriers write policies for drivers reinstating after FTA suspensions. These policies meet DMV proof-of-insurance requirements and accommodate suspended license history without denial.
SR-22 Filing (If Citation Requires)
If the citation you missed court for was uninsured driving or reckless driving, Connecticut requires 3 years of SR-22 filing. The carrier files electronically with the DMV; any lapse triggers immediate re-suspension.
Minimum Liability Compliance
Connecticut's 25/50/25 minimum meets DMV proof requirements but covers less than $100,000 total per accident. Adequate for court compliance, insufficient for serious collisions.
Standard Auto After Reinstatement
Once the FTA hold is cleared and you've maintained clean driving for 6–12 months, standard carriers may accept you at lower rates than non-standard policies.