GRAND JUNCTION SR22 INSURANCE
Grand Junction SR22 insurance refers to the specific type of car insurance known as SR22 insurance that is required in Grand Junction, Colorado. SR22 insurance is not a type of insurance coverage itself but rather a certificate of financial responsibility that proves a driver has the necessary liability insurance coverage.
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GRAND JUNCTION SR22 INSURANCE
An SR22 certificate is typically required for individuals who have been convicted of certain driving offenses, such as driving under the influence (DUI) or driving without insurance. It is a way for the state to monitor high-risk drivers and ensure they maintain the required insurance coverage.
| Violation Name | Major, Minor, or Non Moving | How Long it Will Affect Your Insurance Rates |
| Failure to maintain Clear Distance (tailgating | Minor | 3 Years |
| Using a Cell Phone with Driving | Minor | 3 Years |
| Expired Tags | Non Moving | NA* |
| DUI | Major | 10 Years |
| Reckless Driving | Major | 5 Years |
| At Fault Accident | Major | 5 Years |
| Improper Lane use | Minor | 3 Years |
| Parking | Non Moving | NA* |
| No Proof of insurance | Non Moving | NA* |
| Crossing over a Center Divider | Minor | 3 Years |
| Failure to Stop for a Pedestrian Side walk | Minor | 3 Years |
| Failure to Secure Load to truck/trailer | Minor | 3 Years |
To obtain SR22 insurance in Grand Junction, Colorado, you’ll need to follow these steps:
- Contact an insurance provider: Reach out to insurance companies or agents that offer SR22 insurance in the Grand Junction area. They will guide you through the process and provide you with the necessary information.
- Provide information: You’ll need to provide personal information, such as your name, address, driver’s license number, and details about your driving history and the offense that led to the SR22 requirement.
- Purchase an insurance policy: You’ll need to purchase a car insurance policy that meets the minimum liability coverage requirements set by the state of Colorado. The insurance provider will include the SR22 filing as part of your policy.
- Pay the premium: The cost of SR22 insurance can be higher than standard insurance due to the high-risk nature of the situation. Be prepared to pay a higher premium.
- SR22 filing: The insurance provider will file the SR22 certificate with the Colorado Department of Motor Vehicles (DMV) on your behalf. The DMV will be notified that you have the necessary insurance coverage.
| STATE | STATE REQ | 6mo |
| Colorado | 25/50/15 | $510 |
| Company | Average (SR22 Fee) |
| Assurance America | $25 |
| Bristol West | $35 |
| Dairyland | Free |
| Gains Co | $25 |
| Mendota | $25 |
| Progressive | 5% (average) |
| State Farm | SR22 Not available |
| The General | $25 |
| Travelers | SR22 Not available |
It’s essential to maintain continuous SR22 coverage for the mandated period, which is typically three years in Colorado. If your insurance policy lapses or is canceled during this time, the insurance provider will notify the DMV, which may result in license suspension or other penalties.
Remember, this information is a general guideline, and specific requirements and procedures may vary. It’s recommended to consult with an insurance professional or the Colorado DMV for the most accurate and up-to-date information regarding SR22 insurance in Grand Junction.
WHAT IS THE COST OF GRAND JUNCTION SR22 INSURANCE?
The cost of SR22 insurance in Grand Junction, Colorado, can vary depending on several factors. Here are some factors that can influence the cost of SR22 insurance:
- Driving record: Your driving record plays a significant role in determining the cost of SR22 insurance. If you have a history of traffic violations, accidents, or DUI convictions, your insurance premiums are likely to be higher.
- SR22 filing fee: Insurance companies often charge a one-time filing fee for submitting the SR22 certificate to the Colorado Department of Motor Vehicles (DMV) on your behalf. This fee can range from $15 to $50, depending on the insurance provider.
- Insurance coverage: The type and amount of coverage you choose will impact the cost of SR22 insurance. Higher coverage limits and additional coverage options will generally result in higher premiums.
- Insurance provider: Different insurance companies have their own rating systems and pricing structures. It’s essential to shop around and compare quotes from multiple insurance providers to find the most competitive rates.
- Personal factors: Other personal factors, such as your age, gender, marital status, and credit history, can also affect the cost of SR22 insurance. Insurance companies consider these factors when determining your risk profile.
| The General | $95 |
| Geico | $96 |
| Bristol West | $98 |
| Progressive Insurance | $99 |
| National General | $102 |
| Dairyland | $109 |
| American Family | $112 |
| Mendota Ins. Company | $112 |
| AssuranceAmerica | $113 |
| State Farm | $128 |
| State Auto | $132 |
| Allstate | $135 |
| USAA | $135 |
| 21st Century | $138 |
| Acceptance RTR | $138 |
It’s important to note that SR22 insurance is generally more expensive than standard car insurance due to the high-risk nature of the situation. The actual cost will vary based on your individual circumstances and the insurance company you choose.
To get an accurate idea of the cost, it’s recommended to contact insurance providers directly and request quotes for SR22 insurance in Grand Junction. Provide them with all the necessary information, including details about your driving history and the offense that led to the SR22 requirement.
By comparing quotes from different providers, you can find the most affordable option that meets your needs while fulfilling the SR22 filing requirement.
| Company | SR22 Full Coverage (average) |
| Dairyland | $168.00 |
| Farmers | $194.00 |
| 21st Century | N/A |
| Nationwide | N/A |
| The General | $181.00 |
| Geico | $187.00 |
| GAINSCO | $177.00 |
| Mendota Ins. Company | $172.00 |
| National General | $177.00 |
| Allstate | N/A |
| Progressive Insurance | $173.00 |
| State Farm | N/A |
| AssuranceAmerica | $198.00 |
| Travelers | N/A |
| Acceptance RTR | $166.00 |
GRAND JUNCTION SR22 INSURANCE FIND IT CHEAP
Finding cheap SR22 insurance in Grand Junction, Colorado, will require some research and comparison shopping. Here are a few steps you can take to find more affordable SR22 insurance:
- Shop around: Contact multiple insurance providers in the Grand Junction area that offer SR22 insurance. Request quotes from each of them and compare the prices and coverage options they offer. This will help you identify the most affordable options.
- Consider different insurance companies: Don’t limit your search to just the major insurance companies. Explore local and regional insurance providers as they may offer competitive rates for SR22 insurance.
- Assess coverage options: While affordability is crucial, it’s equally important to ensure that the insurance policy meets the minimum liability coverage requirements set by the state of Colorado. Compare the coverage limits and options provided by different insurance companies to find a balance between affordability and adequate coverage.
- Maintain a clean driving record: Moving forward, focus on maintaining a good driving record. As time passes without any additional driving offenses, you may become eligible for lower insurance rates. Safe driving habits can help reduce your insurance premiums in the long run.
- Inquire about discounts: Ask insurance providers about any available discounts that may help lower your premiums. Some common discounts include safe driver discounts, multi-policy discounts (if you have other insurance policies with the same company), or discounts for completing defensive driving courses.
- Consider raising deductibles: Choosing a higher deductible can lower your premium costs. However, make sure you can afford to pay the deductible in the event of an accident or claim.
Rating Factors play a role in your cost as well! Check these out:
| Factor | Rate Impact |
| How long have you owned the vehicle | Low |
| Insurance History | Medium |
| State Requirements | Medium |
| How many drivers per vehicles listed | medium |
| Marital Status | Medium |
| Credit history | High |
| Type of Vehicle Coverage | Medium |
| Age | High |
| Gender | Medium |
| Major Violations (DUI,DWI,etc) | High |
Remember, SR22 insurance is generally more expensive than standard car insurance due to the high-risk nature of the situation. However, by shopping around and comparing quotes, you can still find relatively affordable options. Make sure to comply with the SR22 filing requirements and maintain continuous coverage for the mandated period.
It’s always recommended to consult with insurance professionals and gather personalized quotes to get the most accurate and up-to-date information regarding SR22 insurance rates in Grand Junction.
| Impact on rates | Discounts Available |
| Mild | Education Discount |
| High | No Accidents or Violations |
| Mild | Paperless Discount |
| High | Auto Pay |
| Mild | Homeowners |
| Mild | Multi Policy |
| Mild | Multi Vehicle |
| Mild | Married |
| Mild | Military |
GRAND JUNCTION SR22 INSURANCE HOW LONG SHOULD I CARRY IT?
In Grand Junction, Colorado, the duration for which you are required to carry SR22 insurance depends on the specifics of your situation.
Generally, the state of Colorado mandates that individuals carry SR22 insurance for a minimum of three years from the date of their offense.
However, the exact duration can vary based on factors such as the severity of the offense and any prior driving violations.
It’s crucial to comply with the requirements set by the court or the Colorado Department of Motor Vehicles (DMV) regarding the duration of SR22 insurance:
Office Locations
Motor Vehicle Department
Central Services (Motor Vehicle)
200 S. Spruce Street
Grand Junction, CO 81501
Fax: 970-244-1676
Monday – Friday: 8:00 am-4:30 pm
Failing to maintain continuous coverage for the mandated period can result in further legal consequences and potential license suspension.
To ensure you fulfill your SR22 insurance obligations accurately, it’s recommended to consult with the court or the DMV that issued the requirement. They will provide you with the specific duration you need to carry SR22 insurance based on your circumstances.
Keep in mind that SR22 insurance is not a separate type of insurance but rather a certificate of financial responsibility attached to your car insurance policy. Therefore, you’ll need to maintain your regular car insurance coverage for the entire duration of the SR22 requirement as well.
It’s important to stay informed and meet all the obligations related to SR22 insurance to avoid any complications and ensure compliance with the legal requirements in Grand Junction, Colorado.
GRAND JUNCTION SR22 INSURANCE FOR NON-OWNERS?
If you require SR22 insurance in Grand Junction, Colorado, but do not own a vehicle, you may still need to obtain non-owners SR22 insurance. Non-owners SR22 insurance provides liability coverage for individuals who do not have regular access to a vehicle but still need to meet the SR22 filing requirement.
Non-owners SR22 insurance typically covers you when you are driving a vehicle that you do not own. It provides liability coverage for any damages or injuries you may cause to others while driving. It does not provide coverage for the vehicle itself.
NON-OWNERS BROADFORM BY CARRIER/COST
| Dairyland | $86 |
| Progressive Insurance | $98 |
| The General | $121 |
| Bristol West | $134 |
| Mendota Ins. Company | $150 |
| Geico | $167 |
| Allstate | $230 |
| Acceptance RTR | $239 |
| State Farm | $243 |
To obtain non-owners SR22 insurance in Grand Junction, you can follow these steps:
- Contact insurance providers: Reach out to insurance companies or agents that offer non-owners SR22 insurance in the Grand Junction area. Explain your situation and inquire about non-owners SR22 insurance options.
- Provide necessary information: You’ll need to provide personal information, such as your name, address, driver’s license number, and details about your driving history and the offense that led to the SR22 requirement.
- Purchase the policy: Purchase a non-owners car insurance policy that includes the required SR22 filing. Ensure that the policy meets the minimum liability coverage requirements set by the state of Colorado.
- Pay the premium: The cost of non-owners SR22 insurance can vary depending on factors such as your driving record and the insurance provider. Be prepared to pay a premium for the coverage.
- SR22 filing: The insurance provider will file the SR22 certificate with the Colorado Department of Motor Vehicles (DMV) on your behalf, indicating that you have the necessary insurance coverage.
It’s important to maintain continuous non-owners SR22 coverage for the mandated period as required by the court or the Colorado DMV. If your insurance policy lapses or is canceled during this time, the insurance provider will notify the DMV, which may result in license suspension or other penalties.
Make sure to consult with insurance professionals or the Colorado DMV for the most accurate and up-to-date information regarding non-owners SR22 insurance in Grand Junction.
| Company | SR22 Offered |
| Bristol West | yes |
| Dairyland | yes |
| Nationwide | no |
| AssuranceAmerica | yes |
| GAINSCO | yes |
| The General | yes |
| Travelers | no |
| Mendota Ins. Company | yes |
| Safeco | no |
| State Farm | unsure |
| Allstate | unsure |
| American Family | no |
| 21st Century | no |
| Geico | yes |
| Farmers | yes |
| National General | yes |
| Progressive Insurance | Yes |
| State Auto | no |
| USAA | NO |
| Acceptance RTR | yes |
OTHER HELPFUL LINKS
| DENVER, CO SR22 INSURANCE | AURORA, CO SR22 INSURANCE |
| COLORADO SPRINGS, CO SR22 INSURANCE | PUEBLO, CO SR22 INSURANCE |
| BOULDER, CO SR22 INSURANCE | FORT COLLINS, CO SR22 INSURANCE |
