How to get an SR22 Insurance in Colorado

How to get an SR22 Insurance in Colorado?

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What is an SR22 Insurance and why do I need it?

An SR22 insurance is needed by a state’s Department of Motor Vehicles (DMV) as confirmation that a driver meets the minimum basic requirements of vehicle liability insurance needed by the state. 

SR22 is basically a certificate of financial responsibility which is needed to reestablish your driving privileges after a driving infraction for example, a DUI conviction, an uninsured car crash/auto accident.

Though it is commonly referred to as “SR-22 insurance”, it’s not insurance. It is simply a document provided by the insurance company that proves the driver has the liability coverage on the car insurance policy required by the specific state.

 

SR22 in Colorado

If your license is suspended for any moving violations or you are convicted of a more serious driving-related offense then the Department of Motor Vehicles(DMV) in Colorado will likely need you to obtain an SR-22 from a licensed auto insurance company in order for you to get your license reinstated.

The SR22 insurance in Colorado certifies that you have the state-mandated minimum car insurance coverage required to drive or to have your license reinstated after being convicted of one of a few serious driving offenses.

SR-22 requirements in the state of Colorado are unique to the state. So it’s important for you to understand how this will impact your insurance rate, driving record and other factors.

 

Who needs an SR22 in Colorado?

A Colorado SR22 car insurance is essential for drivers – 

  • Caught operating a motor vehicle with a suspended or revoked license.
  • Who were uninsured and were found to be at fault in a car accident.
  • A driver convicted of driving under the influence, driving with impaired ability or any other serious moving violation
  • Who had their license suspended or revoked – This can be due to reasons like failure to pay child support, refuse to take a BAC test, vehicular homicide or vehicular assault conviction, failure to drive with proper liability insurance

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What is the basic minimum coverage amount to be purchased and maintained by all the drivers requiring an SR22 Insurance in Colorado?

The state of Colorado requires all drivers requiring a Colorado SR22 Insurance to have a basic minimum coverage of –

  • $25,000 bodily injury per person
  • $50,000 bodily injury for two or more people
  • $15,000 property damage

 

How do I get a Colorado SR22 Insurance?

Your Colorado SR22 insurance can be acquired from your auto insurance provider who will file your SR22 form with the Department of Motor Vehicles(DMV) in Colorado for a fee. You will receive a copy of the form along with a letter from the Department of Motor Vehicles(DMV) in Colorado once your SR22 insurance filing has been accepted.

SR22InsuranceNow can help you in getting the cheapest Colorado SR22 Insurance. Our nationwide partnerships with top providers (Geico, State Farm, Progressive, Allstate & more) makes sure you get the cheapest SR22 insurance rates in Colorado. Call us now at 888-885-3948 to compare rates from top providers and get the best offer unique to your needs!

 

How much does a Colorado SR22 Insurance cost?

In Colorado, your insurance provider will charge you a filing fee of $25 to $50 to file for an SR22 insurance. However, having an SR22 certificate in Colorado will increase your premium amount depending on the provider you choose, your driving violation, age, and other factors.

You can check the table below to get an estimate of how much does a SR22 insurance cost in Colorado after being convicted of one of the below mentioned driving infractions- 

High Risk Rating Factor Average Annual Rate Increase vs. no violations
No Violations
$1,570
-
At-fault collision with damage over $2,000
$2,215
$645
Speeding of 21-25 mph over the limit
$2,043
$473
Reckless driving
$2,414
$844
Hit-and-run
$2,414
$844
DUI/DWI
$2,293
$723

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How long will I need an SR-22 in Colorado?

In Colorado, you will be required to maintain the SR22 insurance for nine months to three years depending on the traffic violation committed. You should renew your Colorado SR22 Insurance at least 15 days prior to the expiration date. If you allow your insurance to lapse,  your auto insurance company will notify the Colorado Department of Motor Vehicles (DMV). This will lead to suspension of your driving license until the SR22 is renewed.

 

Non-Owner SR22 in Colorado

In Colorado, Non-owners SR22 insurance is required for drivers who drive a car but don’t own it. This includes coverage for any damage caused by the driver while driving. The cost of a non-owner SR22 insurance in Colorado depends on a few components including age, sexual orientation, postal division, conjugal status, driving record, and FICO score.

SR22InsuranceNow can help you in finding insurance companies in Colorado that offer non-owner SR22 insurance. It just takes a couple of minutes and you can have your non – owner SR22 documented on the same day. Call us at 888-885-3948 now!

 

Frequently asked questions related to SR22 Insurance in Colorado

1. Where can I get the cheapest SR22 in Colorado?

SR22InsuranceNow can help you find the cheapest SR22 Insurance in Colorado. Top cities covered – Denver, Colorado Springs, Aurora, Fort Collins, Lakewood, Thorton, Arvada, Westminster, Pueblo, Centennial, Boulder, Greeley, Highlands Ranch Longmont, Loveland, Broomfield, Castle Rock, Grand Junction, Commerce City, Aspen and more.  

Our nationwide partnerships with top providers (Geico, State Farm, Progressive, Allstate etc) will help you get the cheapest SR22 insurance rates in all counties and cities in Colorado. Call us now at 888-885-3948!

 

2. How to get cheapest Colorado SR22 Insurance without a car?

If you don’t own a car, you have to get a non – owners SR22 Insurance. This insurance covers the cost of any damage caused by the driver while driving.

SR22InsuranceNow will help in finding insurance companies that offer the cheapest non-owner SR22 insurance in Colorado. It just takes a couple of minutes and you can have your non – owner SR22 documented on the same day. Give us a call at 888-885-3948 today!

 

3. What are the different types of SR22 in Colorado?

There are three different types of SR22 certificates in Colorado – 

  • Operator’s certificate/Non Owners SR22 –  For motorists who don’t own a vehicle.
  • Owner’s certificate – For motorists who intend to drive their own vehicles.
  • Operators–owners certificate – Coverage for all cars you might drive, whether you own them or not.

 

4. Which companies offer cheap SR22 Insurance in Colorado?

In Colorado, top insurance companies like State Farm, Geico, Allstate, Progressive and many more offer SR22 Insurance. 

You can call SR22InsuranceNow and one of our executives will assist you in getting the cheapest SR22 Insurance plan now!

Call us now at 888-885-3948

 

5. Which companies offer cheap Non – Owner SR22 Insurance in Colorado?

In Colorado, State Farm, Geico, Allstate Progressive and other top companies offer Non – Owner SR22 Insurance. 

You can call SR22InsuranceNow (888-885-3948) and one of our executives will assist you in getting the cheapest Non – Owner SR22 Insurance plan now!

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