COLORADO SR22 INSURANCE

In Colorado, an SR-22 is a certificate of insurance that is required for drivers who have had their license suspended or revoked due to certain types of driving violations, such as DUI or reckless driving. The SR-22 certifies that the driver has the minimum required liability insurance coverage as mandated by Colorado state law.

How to get an SR22

To obtain an SR-22 in Colorado, a driver must contact their insurance company and request that they file the SR-22 certificate with the Colorado Department of Motor Vehicles (DMV). The insurance company will then provide the driver with a copy of the SR-22 form, which must be kept on file with the Colorado DMV for a certain period of time, usually three years.

How we can help

We can hunt the different insurance carriers in Colorado to find the cheapest rate around. Calling us is like calling 13 different insurance companies, we will work with you and for you! Plus, you won’t be paying more as we do not charge Brokerage fees!

How much does it cost to get Colorado SR22 Insurance?

FILING FEE FOR COLORADO SR22 INSURANCE
Farmers	$15-$31
Mendota Ins. Company	$25.00
Progressive Insurance	$25.00
Liberty Mutual	$15-$25
GAINSCO	FREE
Dairyland	FREE
National General	$25.00
Geico	$25.00
Bristol West	$25.00

It is important to note that obtaining an SR-22 can result in higher insurance rates for the driver, as it is often seen as an indicator of higher risk behavior. It is recommended that drivers shop around for the best rates when seeking insurance with an SR-22 certificate.

The Rates above is not the only cost, remember SR22 is just a filing with the State that you have Insurance in Colorado. So you NEED insurance on top of it and at the State Minimum at least. Here’s some rates by carrier for liability only:

COLORADO SR22 INSURANCE COMPANIES	RATES (LIABILITY)
Dairyland	$74
National General	$95
Progressive Insurance	$101
USAA	$101
Mendota Ins. Company	$109
The General	$109
Acceptance RTR	$110
AssuranceAmerica	$111
Liberty Mutual	$117
Farmers	$119
21st Century	$123
Geico	$130
GAINSCO	$132
Bristol West	$143
Nationwide	$144

This coverage must be maintained in order for the SR22 to remain active. Once the policy cancels, the insurance company informs the State that you are no longer covered.

How long do I have to carry Colorado SR22 Insurance?

In Colorado, drivers are typically required to carry SR-22 insurance for a period of 3 years from the date of their license reinstatement. During this time, it is important to maintain continuous insurance coverage and ensure that the SR-22 certificate is on file with the Colorado Department of Motor Vehicles (DMV).

If a driver cancels their SR-22 insurance coverage during this period, the insurance company is required to notify the Colorado DMV, which may result in the driver’s license being suspended again.

Additionally, if a driver receives any new traffic violations or is involved in an accident during the SR-22 coverage period, their SR-22 requirement may be extended for an additional period of time.

It is important for drivers to understand the terms and requirements of their SR-22 insurance policy and to comply with all state laws and regulations regarding insurance coverage and driving.

What if I’m required to carry Colorado SR22 Insurance but do not own a vehicle?

If you are required to carry Colorado SR-22 insurance but do not own a vehicle, you can obtain a non-owner SR-22 insurance policy. A non-owner SR-22 policy provides liability coverage for drivers who do not own a vehicle but still need to meet the SR-22 insurance requirements.

With a non-owner SR-22 policy, you will be covered while driving any vehicle that you do not own, such as a rental car or a friend’s car.

This type of policy typically only provides liability coverage, which means that it covers damages and injuries you may cause to other people or their property, but does not cover damages to the vehicle you are driving.

To obtain a non-owner SR-22 policy in Colorado, you can contact an insurance agent or an insurance company that offers this type of coverage. The insurance company will file the SR-22 certificate with the Colorado Department of Motor Vehicles (DMV) on your behalf to prove that you have the required insurance coverage.

NON-OWNERS INSURANCE PROVIDERS	COST
Dairyland	$78
Progressive Insurance	$92
The General	$114
Bristol West	$152
Mendota Ins. Company	$153
Geico	$165
Allstate	$221
Acceptance RTR	$236
State Farm	$236

State Requirements for Colorado SR22 Insurance

The state of Colorado has specific requirements for SR-22 insurance that must be met in order to fulfill the legal requirement to have this type of insurance. These requirements include:

Minimum liability coverage: In Colorado, drivers with an SR-22 requirement must carry liability insurance with minimum coverage limits of 25/50/15. This means that the policy must provide at least $25,000 of bodily injury liability coverage per person, $50,000 of bodily injury liability coverage per accident, and $15,000 of property damage liability coverage per accident.
Continuous coverage: The driver must maintain continuous SR-22 insurance coverage for a minimum of 3 years from the date of license reinstatement.
Filing of SR-22 certificate: The driver’s insurance company must file an SR-22 certificate with the Colorado Department of Motor Vehicles (DMV) on behalf of the driver to prove that they have the required insurance coverage.
Non-cancellation: The SR-22 insurance policy must not be cancelled or allowed to lapse during the required 3-year coverage period. If the policy is cancelled, the insurance company must notify the Colorado DMV, which may result in license suspension or revocation.

It is important for drivers to comply with all state requirements for SR-22 insurance to avoid further legal issues and maintain their driving privileges.

What are the Reasons someone would have to carry Colorado SR22 Insurance?

In Colorado, drivers may be required to carry SR-22 insurance for a variety of reasons, typically related to driving violations or other issues related to driving. Some of the most common reasons someone may be required to carry Colorado SR-22 insurance include:

Driving under the influence (DUI) or driving while intoxicated (DWI)
Reckless driving
Driving without insurance
Multiple traffic violations or at-fault accidents within a certain period of time
Driving with a suspended or revoked license
Being at fault in an accident and not having insurance to cover damages
Being involved in an accident and not being able to provide proof of insurance
Being required to carry SR-22 insurance as a condition of probation or parole

If a driver is required to carry SR-22 insurance, it is important to understand the specific requirements and comply with all state laws and regulations regarding insurance coverage and driving.

Failure to comply with these requirements can result in further legal issues and potential suspension or revocation of driving privileges.

NONE SPECIFIC	REASONS
1	Previous incarceration
2	Driving while Suspended/revocation
3	DWI (Driving while intoxicated)
4	Multiple Traffic Offenses
5	DUI (Driving under the influence of Drugs or Alcohol)
6	Suspension of license due to child support
7	License suspension for failure to pay fines
8	At Fault accident with no insurance
9	Failure to maintain mandatory insurance coverage required by state law
10	Too many tickets in short period of time
11	Excessive points violations

Do I need Colorado SR22 Insurance to Reinstate my License?

In Colorado, if your driver’s license has been suspended or revoked due to certain types of driving violations, such as DUI or reckless driving, you may be required to obtain an SR-22 certificate of insurance to reinstate your license.

The Colorado Department of Motor Vehicles (DMV) will typically require proof of SR-22 insurance before reinstating your driver’s license.

It is important to note that not all license suspensions or revocations in Colorado require an SR-22 certificate. However, if you are unsure whether you need an SR-22 certificate to reinstate your license, you should contact the Colorado DMV or consult with an experienced insurance agent.

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