SR22 Insurance in Colorado

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SR22 Insurance in Colorado
SR22 is a legal certificate required by the state's Department of Revenue - Division of Motor Vehicles (DMV) as proof that you hold the minimum amount of vehicle liability insurance required to drive a car.

An SR22 insurance certificate is required to reinstate your driving license after a driving violation such as a DUI conviction or auto accident.
Who needs Colorado SR22 insurance?
In Colorado, SR-22 car insurance is necessary for drivers
  • Who are caught driving with a suspended or revoked license
  • Who are uninsured and found to be at fault in an accident
  • Who are convicted of driving under the influence, driving with impaired ability or any other serious moving violation
  • What is the minimum coverage needed for motorists requiring SR22 in Colorado?
    According to Colorado state law, all drivers must maintain vehicle liability insurance on all registered vehicles. The State of Colorado requires all drivers must carry a minimum liability insurance coverage amounts of:
  • $25,000 bodily injury per person in an accident
  • $50,000 bodily injury for two or more people per accident
  • $15,000 property damage
  • How to Get SR-22 Insurance in Colorado?
    Your SR22 insurance in the state of Colorado can be acquired from your auto insurance provider who will file your SR22 form with The Colorado Department of Revenue - Division of Motor Vehicles (DMV) for a fee.

    Alternatively, you can also contact SR22InsuranceNow. It’ll help you connect with SR22 specialists who can get you FREE SR22 insurance quotes from top insurance companies with a single phone call. You can compare rates and choose the one that works best for you.

    Once you choose your SR22 insurance provider, they will file SR22 insurance form for you for a minimum fee and submit the form with The Colorado Department of Revenue - Division of Motor Vehicles (DMV). Just give us a call at 888-885-3948.
    Non Owner SR22 Insurance in Colorado
    Non Owner SR22 insurance in the state of Colorado 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 factors including age, sexual orientation, postal division, conjugal status, driving record, and FICO score.

    If you need Non Owner SR22 insurance in Colorado, count on SR22InsuranceNow to find the best policy and rate for your needs. 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 today!
    How much does an SR-22 cost in Colorado?
    Your insurance company will usually charge you a filing fee of $25 to $50 for SR22 insurance in Colorado. However, with the SR22 certificate in Colorado, your insurance premium amount will increase depending on your traffic violation, and other factors such as your age, driving history, and more.
    High-risk rating factorAverage annual rateIncrease vs. no violations
    No violations $1,757 -
    At-fault collision with damage over $2,000 $2,459 $702
    Speeding with 21-25 mph over the limit $2,068 $311
    Reckless driving $2,383 $626
    Racing $2,537 $779
    Hit-and-run $2,567 $810
    DUI/DWI $2,359 $601
    How long will I need an SR-22 in Colorado?
    You will be required to maintain the SR22 insurance for nine months to three years depending on the situation. You should renew your SR22 insurance in Colorado at least 15 days before the expiration date. Your insurer will notify the Colorado Division of Motor Vehicles if you allow your insurance to lapse. This will lead to the suspension of your driving license until the SR22 is renewed.
    What happens after my SR22 Insurance expires?
    Once an SR22 expires or is canceled, the insurance company will issue an SR-26 certifying the cancelation of the policy.
    Colorado Laws & Penalties
    State of Colorado uses SR22 as a financial responsibility certificate. One may ask to file SR22 insurance for multiple reasons. Drink and drive is one such situation where your driver’s license gets suspended if the BAC is 0.08% or higher.

    Penalties for DUI/DWI violations include jail time, fines, community service, and installation of IID.

    If you are using SR22 insurance to cover your financial responsibility requirements then you will need one additional piece of documentation. This documentation can be a notarized promissory note, a notarized waiver of security financial responsibility., payment to any individuals you are liable to after the collision, a form proving your bankruptcy after the collision.
    Conviction1st Offense2nd Offense3rd Offense
    Fine $200-$500 (DWAI) $600-$1000 (DUI) $600-$1500 (DWAI/ DUI)
    Jail Sentence 2 days-180 days (DWAI) 5 days-1 year (DUI) 10 days-1year (DUI/DWAI)
    License Suspension None (DWAI) 9 months (DUI) 12 months (DUI/ DWAI)
    Who requires Ignition Interlock Device(IDD) in the state of Colorado?
    Individuals whose driver's license has been suspended due to one of the following reasons are required to install an IID:
  • Having BAC (Blood Aalcohol Ccontent) of 0.15% or greater.
  • Having two or more DUI/DWAI convictions.
  • Refusing to get tested when requested by the arresting officer.
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