BOULDER SR22 INSURANCE
SR22 is a certificate of financial responsibility that is often required for individuals who have been involved in certain traffic violations or who have had their driver’s license suspended or revoked.
Quality Results
On a monthly basis we sell 300+ insurance policies because we find the cheapest rates! We can do the same for you AND get your SR22 filed!
Experienced
Look to us for your insurance questions. When shopping for SR22 it is because your License is suspended or revoked. We can get you on the path to reverse it.
WHAT IS BOULDER SR22 INSURANCE?
SR22 insurance is not a specific type of insurance policy but rather a filing that demonstrates to the state that you have the required liability coverage. To obtain SR22 insurance in Boulder, you’ll need to contact an insurance company that offers this service and request an SR22 filing.
Here are the general steps to follow when obtaining SR22 insurance in Boulder:
- Contact Insurance Companies: Reach out to insurance companies in Boulder that offer SR22 filings. You can do this by searching online or contacting local insurance agents.
- Provide Information: When requesting SR22 insurance, you’ll need to provide personal information such as your name, address, driver’s license number, and the reason for needing the SR22 filing (e.g., DUI conviction, multiple traffic violations).
- Get Quotes: Request insurance quotes from different providers, as rates can vary. Make sure to compare the coverage options, cost, and any additional fees associated with the SR22 filing.
- Purchase the Policy: Once you’ve selected an insurance provider and policy that meets your needs, proceed with purchasing the policy and requesting the SR22 filing.
- SR22 Filing: The insurance company will submit the SR22 filing to the Colorado Division of Motor Vehicles (DMV) on your behalf. The DMV will then verify your compliance with the SR22 requirement.
It’s important to note that SR22 insurance can be more expensive than standard auto insurance due to the increased risk associated with individuals who require an SR22 filing.
The cost of SR22 insurance will depend on various factors such as your driving history, the reason for needing the SR22, and the insurance company you choose.
To ensure compliance with SR22 requirements, it’s essential to maintain continuous coverage throughout the required period, which is typically three years in Boulder, Colorado. Failure to maintain SR22 insurance can result in further penalties, such as license suspension or revocation.
It’s recommended to consult with an insurance professional or contact the Colorado Division of Motor Vehicles for specific information regarding SR22 insurance in Boulder.
Cost of Boulder SR22 Insurance
To fulfill the SR22 requirements for Boulder Co, you must purchase an insurance policy at the below minimum limits:
| State | Minimum Coverage Requirements |
| Colorado | 25/50/15 |
- Bodily Injury Liability Coverage: The minimum bodily injury liability coverage required in Colorado is $25,000 per person injured in an accident and $50,000 for all persons injured in a single accident.
- Property Damage Liability Coverage: The minimum property damage liability coverage required in Colorado is $15,000 for damage to another person’s property caused by an accident.
- Uninsured/Underinsured Motorist Coverage: Colorado requires uninsured/underinsured motorist coverage with the same limits as the bodily injury liability coverage unless the coverage is explicitly rejected in writing. This coverage helps protect you if you’re involved in an accident with a driver who doesn’t have insurance or has insufficient coverage.
| CARRIERS THAT FILE SR22 | COST |
| Dairyland | $72 |
| Progressive Insurance | $83 |
| Mendota Ins. Company | $94 |
| The General | $97 |
| Assurance America | $99 |
| National General | $105 |
PLUS filing fee!
| 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 |
WHY DO I NEED BOULDER SR22 INSURANCE?
You may need Boulder SR22 insurance if you have been involved in certain traffic violations or if your driver’s license has been suspended or revoked. The SR22 filing requirement is typically imposed by the state as a way to ensure that individuals who have had their driving privileges restricted maintain the required liability insurance coverage.
Here are some common reasons why you might need Boulder SR22 insurance:
- DUI or DWAI Conviction: If you have been convicted of driving under the influence (DUI) or driving while ability impaired (DWAI), the state may require you to obtain SR22 insurance before reinstating your driver’s license.
- Repeated Traffic Violations: If you have accumulated multiple traffic violations within a specific time period or have a history of reckless driving, the state may mandate SR22 insurance as a condition for license reinstatement.
- Driving Without Insurance: If you have been caught driving without insurance, the state may require you to obtain SR22 insurance as proof of future financial responsibility.
- At-Fault Accident Without Insurance: If you were at fault in an accident and did not have the required liability insurance at the time, you may need SR22 insurance to demonstrate future compliance with insurance regulations.
- License Suspension or Revocation: If your driver’s license has been suspended or revoked due to any reason, such as accumulating excessive points on your driving record or failing to pay fines or appear in court, you may need SR22 insurance to reinstate your license.
| Violation Name | Major, Minor, or Non Moving | How Long it Will Affect Your Insurance Rates |
| Running a Traffic Light or Stop Sign | Minor | 3 Years |
| Failure to Use a Seat Belt | Non Moving | NA* |
| Expired Tags | Non Moving | NA* |
| Improper Lane use | Minor | 3 Years |
| DUI | Major | 10 Years |
| Reckless Driving | Major | 5 Years |
| Non-At-Fault Acccident | Minor | NA* |
| Speeding | Minor | 3 Years |
| Crossing over a Centr Divider | Minor | 3 Years |
| Using a Cell Phone with Driving | Minor | 3 Years |
| Parking | Non Moving | NA* |
| At Fault Accident | Major | 5 Years |
HOW DO I GET CHEAP BOULDER SR22 INSURANCE?
To find affordable Boulder SR22 insurance, consider the following tips:
- Shop Around: Obtain quotes from multiple insurance providers that offer SR22 filings in Boulder. Each company may have different rates, so comparing prices will help you find the most affordable option.
- Maintain a Clean Driving Record: If possible, maintain a clean driving record going forward. Traffic violations and accidents can increase insurance premiums, so practicing safe driving habits can help keep costs down.
- Choose Higher Deductibles: Opting for higher deductibles can lower your insurance premiums. However, be sure to choose a deductible amount that you can comfortably afford to pay out of pocket if you need to file a claim.
- Bundle Policies: If you have other insurance needs, such as renter’s insurance or homeowner’s insurance, consider bundling your policies with the same insurance company. Insurance providers often offer discounts for multiple policies.
- Look for Discounts: Inquire about any available discounts. Some insurance companies offer discounts for safe driving records, completing defensive driving courses, or installing safety features in your vehicle.
- Improve Your Credit Score: In some states, including Colorado, insurance companies may consider your credit score when determining premiums. Maintaining a good credit score can help lower your insurance costs.
- Drive Less: If you can reduce your annual mileage, you may qualify for lower premiums. Some insurance companies offer discounts for low-mileage drivers, as they are considered less likely to be involved in accidents.
- Maintain Continuous Coverage: Ensure that you maintain continuous SR22 insurance coverage for the required period. Lapses or cancellations in coverage can lead to higher premiums or difficulties in obtaining insurance.
- Seek Professional Advice: Consider consulting with an insurance agent or broker who specializes in SR22 insurance. They can provide guidance and help you find the most affordable options tailored to your specific situation.
Remember, while it’s important to find affordable SR22 insurance, it’s equally crucial to ensure that you have adequate coverage that meets the state’s requirements. Prioritize the overall value and coverage offered by the insurance policy rather than solely focusing on the lowest price.
| Impact on rates | Discounts Available |
| High | No Accidents or Violations |
| Mild | Military |
| Mild | Multi Policy |
| Very High | Continuous Insurance |
| Mild | Married |
| Mild | Multi Vehicle |
| Mild | Paperless Discount |
| High | Paid in Full |
| High | Advanced Quote |
It’s recommended to gather quotes, review the coverage terms, and ask any relevant questions before making a decision.
| Cheapest Liability Insurance Rates in Boulder | ||
| Rank | Company | Average price |
| 1 | Dairyland (Viking) | $86.00 |
| 2 | Progressive | $93.00 |
| 3 | The General | $106.00 |
| 4 | Liberty Mutual | $113.00 |
| 5 | Mendota | $114.00 |
| 6 | Travelers | $118.00 |
| 7 | Bristol West | $122.00 |
Do I need a Boulder SR22 Insurance if I do not own a vehicle?
If you do not own a vehicle but still need to maintain a driver’s license in Boulder, Colorado, you may still be required to obtain non-owner SR22 insurance.
Non-owner SR22 insurance provides liability coverage for individuals who frequently drive vehicles that they do not own.
Here are some situations where you might need non-owner SR22 insurance:
- License Suspension or Revocation: If your driver’s license has been suspended or revoked, and you need to fulfill the SR22 filing requirement to reinstate your license, you may need to obtain non-owner SR22 insurance. This ensures that you have the required liability coverage when you drive a vehicle that does not belong to you.
- Driving a Borrowed or Rented Vehicle: If you frequently drive vehicles that belong to friends, family members, or rental cars, non-owner SR22 insurance can provide the necessary liability coverage in case of an accident.
- Compliance with SR22 Requirement: If you have been mandated by the state to maintain SR22 insurance but do not own a vehicle, non-owner SR22 insurance allows you to fulfill the filing requirement without the need for a vehicle.
It’s important to note that non-owner SR22 insurance only provides liability coverage and does not cover any physical damage to the vehicle you are driving.
The coverage is typically limited to liability for bodily injury and property damage caused to others in an accident.
If you are unsure about whether you need non-owner SR22 insurance in Boulder, it’s advisable to contact the Colorado Division of Motor Vehicles or consult with an insurance professional. They can provide specific guidance based on your situation and the requirements set by the state.
| NON-OWNER BROADFORM CARRIERS | COST FOR 6mo. |
| Progressive Insurance | $84 |
| Dairyland | $107 |
| The General | $111 |
| Mendota Ins. Company | $147 |
| Bristol West | $155 |
| Geico | $168 |
| Acceptance RTR | $209 |
| State Farm | $221 |
| Allstate | $240 |
OTHER HELPFUL LINKS
| DENVER, CO SR22 INSURANCE | AURORA, CO SR22 INSURANCE |
| COLORADO SPRINGS, CO SR22 INSURANCE | PUEBLO, CO SR22 INSURANCE |
