AURORA SR22 INSURANCE
Why do you need it? How much does it cost? How to find cheap Aurora SR22 Insurance? Which companies are the best? Our deep dive starts now:
Quality Results
We pride ourselves on our ability to find our clients the cheapest SR22 insurance in Aurora Colorado. Give us a call!
Experienced
We can offer free advice that’ll steer you in the right direction in getting your license back!
Why Do You Need Aurora SR22 Insurance?
SR22 insurance is required in Aurora, Colorado, for specific reasons related to ensuring responsible driving behavior and protecting the interests of the public. The primary reasons for SR22 insurance requirements in Aurora are as follows:
- Traffic Offenses: SR22 insurance is typically required for individuals who have committed serious traffic offenses or violations. These offenses may include driving under the influence (DUI) or driving while intoxicated (DWI), driving without insurance, reckless driving, multiple at-fault accidents, driving with a suspended or revoked license, or being involved in a hit-and-run accident. The requirement serves as a means of monitoring and regulating high-risk drivers who have demonstrated unsafe behavior on the road.
- Proof of Financial Responsibility: SR22 insurance acts as proof of financial responsibility for drivers who have been involved in these serious traffic offenses. It ensures that individuals who have a history of risky driving behavior maintain adequate liability coverage to cover potential damages caused by future accidents.
- Protection for Accident Victims: By mandating SR22 insurance, Aurora aims to protect accident victims by ensuring that individuals who have previously caused accidents have sufficient insurance coverage to compensate for any bodily injuries, property damage, or other losses resulting from future accidents.
- Compliance with Legal Requirements: SR22 insurance is a legal requirement imposed by the Colorado Department of Motor Vehicles (DMV). It is part of the process for reinstating driving privileges for individuals who have had their license suspended or revoked due to serious traffic offenses. Complying with the SR22 insurance requirement is necessary to regain the ability to legally drive in Aurora.
- Deterrence and Monitoring: Requiring SR22 insurance helps deter risky driving behavior by imposing financial consequences on individuals with a history of serious traffic offenses. It also serves as a monitoring mechanism to ensure that these drivers maintain continuous insurance coverage, as any lapses or cancellations can result in further penalties and potential license suspension.
It’s important to note that the specific reasons for SR22 insurance requirements may vary slightly depending on state laws and regulations. In Aurora, Colorado, the requirement is in place to promote responsible driving practices, protect accident victims, and enforce compliance with legal requirements for individuals who have committed serious traffic offenses.
| Violation Name | Major, Minor, or Non Moving | How Long it Will Affect Your Insurance Rates |
| Failure to Yeld | Minor | 3 Years |
| No Proof of insurance | Non Moving | NA* |
| Crossing over a Center Divider | Minor | 3 Years |
| Failure to Use Turn Signal | Minor | 3 Years |
| Expired Tags | Non Moving | NA* |
| Failure to maintain Clear Distance (tailgating | Minor | 3 Years |
| Using a Cell Phone with Driving | Minor | 3 Years |
| Failure to Stop for a Pedestrian Side walk | Minor | 3 Years |
| Non-At-Fault Acccident | Minor | NA* |
| Improper Lane use | Minor | 3 Years |
| Failure to Secure Load to truck/trailer | Minor | 3 Years |
| DUI | Major | 10 Years |
How much does Aurora SR22 Insurance Cost?
| 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 |
The amount seen above is simply the filing fee cost, you’ll still need to purchase AND maintain the state minimum liability insurance for Colorado in the city of Aurora.
| INSURANCE CARRIER | MONTHLY COST |
| Progressive Insurance | $93 |
| National General | $99 |
| Dairyland | $102 |
| The General | $102 |
| USAA | $102 |
| Acceptance RTR | $104 |
| 21st Century | $106 |
| AssuranceAmerica | $110 |
| Mendota Ins. Company | $112 |
| Bristol West | $117 |
| State Auto | $122 |
| GAINSCO | $125 |
| Nationwide | $126 |
| Geico | $135 |
| Farmers | $136 |
How long do I need Aurora SR22 Insurance?
Typically Three Years
The duration for which you need SR22 insurance in Aurora, Colorado, depends on the specific circumstances of your case. Generally, the SR22 insurance requirement is imposed for a minimum period determined by the state’s Department of Motor Vehicles (DMV). In Aurora, the duration of SR22 filing can vary based on the offense committed and the related legal requirements. Here are some key points to consider:
- Offense-Specific Requirements: The duration of SR22 insurance in Aurora is often tied to the offense that led to the requirement. Different offenses may have different minimum filing periods. For example, a DUI conviction typically requires SR22 insurance for a longer period compared to driving without insurance.
- State-Mandated Period: The DMV in Aurora, Colorado, determines the minimum duration of SR22 filing. This period can range from one to five years, depending on the offense. It is important to check with the DMV or consult an insurance agent to determine the specific filing period required in your case.
- Continuous Coverage: It is crucial to maintain continuous SR22 insurance coverage for the entire duration mandated by the DMV. Any lapses or cancellations in coverage can result in further penalties, including potential license suspension or revocation. Be sure to renew your policy on time and pay the premiums regularly to fulfill the SR22 insurance requirement.
- Early Termination: In some cases, individuals may be eligible for early termination of SR22 filing. This usually requires fulfilling certain criteria, such as completing the mandated filing period without any violations or obtaining a court order. It is advisable to consult with the DMV or an insurance professional to determine if you qualify for early termination.
To determine the exact duration of SR22 insurance required in your specific situation, it is best to consult the Colorado DMV or speak with an insurance provider experienced in SR22 filings in Aurora. They can provide you with accurate information based on the offense committed and help you understand the timeline for maintaining SR22 insurance coverage.
AURORA DMV: 14391 E 4th Ave, Aurora, CO 80011 8AM TO 5PM
Aurora SR22 Insurance Requirements
The minimum liability insurance requirements in Aurora, Colorado, are set by the state and apply to all drivers, including those who need SR22 insurance. These minimum liability limits determine the amount of coverage drivers must carry to meet legal obligations. In Aurora, the minimum liability insurance requirements are as follows:
- Bodily Injury Liability: The minimum bodily injury liability coverage required in Aurora is $25,000 per person injured in an accident and $50,000 for all persons injured in an accident. This means that if you are at fault in an accident and someone is injured, your insurance policy must provide coverage of at least $25,000 for each individual, with a total maximum coverage of $50,000 for all individuals involved in the accident.
- Property Damage Liability: The minimum property damage liability coverage required in Aurora is $15,000. This coverage provides compensation for damages caused to another person’s property, such as their vehicle or other structures, resulting from an accident for which you are at fault. Your insurance policy must provide at least $15,000 in coverage for property damage liability.
Drivers have the option to carry higher liability limits if they prefer additional financial protection. However, it is necessary to maintain at least the minimum liability coverage to comply with Aurora’s legal requirements.
Working with an insurance provider or agent experienced in SR22 insurance can help you determine the appropriate coverage amounts and find a policy that meets your needs while fulfilling the minimum liability requirements in Aurora, Colorado.
| Average Cost for sr22 Insurance Liability Only in Colorado | |
| City | Price |
| Greenwood Village | $107.00 |
| Parker | $90.00 |
| Dakota Ridge | $109.00 |
| Gunbarrel | $108.00 |
| Arvada | $109.00 |
| Littleton | $92.00 |
| Golden | $89.00 |
| Fountain | $86.00 |
| Fort Collins | $88.00 |
| Grand Junction | $90.00 |
| Firestone | $102.00 |
| Alamosa | $94.00 |
| Erie | $96.00 |
| Englewood | $105.00 |
| Longmont | $90.00 |
| Wellington | $93.00 |
| Thornton | $90.00 |
| Lakewood | $93.00 |
| Fruita | $86.00 |
| Craig | $109.00 |
| Glenwood Springs | $94.00 |
| Berkley | $99.00 |
| Security-Widefield | $93.00 |
| Loveland | $109.00 |
| Louisville | $100.00 |
| Fort Morgan | $86.00 |
| Edwards | $92.00 |
| Lafayette | $104.00 |
| Stonegate | $107.00 |
| Cañon City | $99.00 |
| Johnstown | $97.00 |
| Woodmoor | $99.00 |
| Cherry Creek | $91.00 |
| Northglenn | $95.00 |
| Wheat Ridge | $90.00 |
| The Pinery | $106.00 |
| Clifton | $91.00 |
| Federal Heights | $109.00 |
| Greeley | $86.00 |
| Cimarron Hills | $105.00 |
| Denver | $110.00 |
| Pueblo | $97.00 |
| Boulder | $91.00 |
| Castle Pines | $99.00 |
| Frederick | $110.00 |
| Rifle | $89.00 |
| Lone Tree | $92.00 |
| Durango | $110.00 |
| Brighton | $105.00 |
| Fort Carson | $96.00 |
| Columbine | $104.00 |
OTHER HELPFUL LINKS
| DENVER, CO SR22 INSURANCE | BOULDER, CO SR22 INSURANCE |
| COLORADO SPRINGS, CO SR22 INSURANCE | COLORADO SR22 |
