ARVADA SR22 INSURANCE
Arvada SR22 insurance refers to the requirement of obtaining an SR22 form, also known as a Certificate of Financial Responsibility, in the city of Arvada, Colorado. An SR22 is a document that is filed with the state’s Department of Motor Vehicles (DMV) by an insurance company to verify that a driver has the minimum liability insurance coverage required by law.
Why do I need Arvada SR22 Insurance?
The need for an SR22 typically arises when a driver has been involved in certain traffic violations or offenses, such as driving under the influence (DUI), driving without insurance, or multiple traffic violations within a short period. It is a way for the state to monitor high-risk drivers and ensure they maintain the necessary insurance coverage.
Why can it be expensive?
It’s important to note that SR22 insurance can be more expensive than standard auto insurance due to the elevated risk associated with the driver. The duration for which you need to maintain the SR22 filing depends on the nature of the offense and the requirements set by the court or DMV.
HOW TO GET ARVADA SR22 INSURANCE
The need for an SR22 typically arises when a driver has been involved in certain traffic violations or offenses, such as driving under the influence (DUI), driving without insurance, or multiple traffic violations within a short period. It is a way for the state to monitor high-risk drivers and ensure they maintain the necessary insurance coverage.
To obtain Arvada SR22 insurance, you will need to follow these steps:
- Contact an insurance company: Reach out to an insurance company licensed to provide SR22 coverage in Colorado. They will guide you through the process and help you obtain the required policy.
- Provide necessary information: You will need to provide personal information, including your full name, address, driver’s license number, and other details required by the insurance company.
- Purchase an insurance policy: The insurance company will issue an SR22 policy that meets the state’s minimum liability coverage requirements. This policy must remain active for the designated period mandated by the DMV.
- SR22 filing: The insurance company will electronically file the SR22 form with the Colorado DMV on your behalf. Ensure that all the information provided is accurate and up to date.
- Maintain continuous coverage: It is crucial to maintain continuous insurance coverage throughout the required period. If your policy lapses or is canceled, the insurance company is obligated to notify the DMV, which may result in the suspension of your driving privileges.
| Company Additional Fees for Arvada SR22 Insurance | |
| Progressive Insurance | $25.00 |
| Acceptance RTR | NA |
| Nationwide | na |
| GAINSCO | NA |
| Farmers | $15-$31 |
| Safeco | na |
| Geico | $25.00 |
| State Auto | na |
| 21st Century | na |
| State Farm | Unknown |
| National General | $25.00 |
| Allstate | Unknown |
| Liberty Mutual | $15-$25 |
| Travelers | na |
| American Family | na |
| AssuranceAmerica | NA |
| Bristol West | $25.00 |
| Dairyland | Free |
| USAA | na |
| Mendota Ins. Company | $25.00 |
| Company | SR22 Liability (average) |
| State Auto | N/A |
| Acceptance RTR | $115.00 |
| Dairyland | $61.00 |
| Liberty Mutual | $99.00 |
| Progressive Insurance | $71.00 |
| Farmers | $88.00 |
| GAINSCO | $82.00 |
| Bristol West | $91.00 |
| National General | $81.00 |
| AssuranceAmerica | $108.00 |
REASONS YOU MAY NEED TO CARRY ARVADA SR22 INSURANCE
There are several reasons why you may be required to carry Arvada SR22 insurance. Here are some common situations:
- DUI or DWI conviction: If you have been convicted of driving under the influence (DUI) or driving while intoxicated (DWI) in Arvada, Colorado, the state may require you to carry SR22 insurance as part of your reinstatement process. This requirement is meant to ensure that you have the necessary liability coverage to protect other drivers in case of future incidents.
- Driving without insurance: If you were caught driving without insurance or were involved in an accident while uninsured, the state may require you to carry SR22 insurance as a condition for restoring your driving privileges. This requirement helps guarantee that you maintain the proper coverage going forward.
- Repeated traffic offenses: If you have accumulated multiple traffic violations within a specific time period, such as excessive speeding tickets or reckless driving charges, the state may consider you a high-risk driver. In such cases, you may need to carry SR22 insurance to demonstrate financial responsibility and maintain coverage for a designated period.
- License suspension or revocation: If your driver’s license has been suspended or revoked due to certain offenses, such as being a habitual traffic offender, you may need to obtain SR22 insurance before you can reinstate your license.
- At-fault accidents without insurance: If you were involved in an at-fault accident and did not have insurance coverage at the time, you might be required to carry SR22 insurance before your driving privileges can be restored.
It’s important to note that the specific circumstances and requirements for SR22 insurance can vary depending on the state and local laws.
If you find yourself in a situation where you need to carry Arvada SR22 insurance, it’s advisable to consult with the Colorado Department of Motor Vehicles or a local insurance professional who specializes in SR22 coverage.
They can provide you with accurate information regarding your particular situation and guide you through the process of obtaining the necessary insurance.
| 1 | DWI (Driving while intoxicated) |
| 2 | Failure to maintain mandatory insurance coverage required by state law |
| 3 | Too many tickets in short period of time |
| 4 | Previous incarceration |
| 5 | Suspension of license due to child support |
| 6 | Multiple Traffic Offenses |
| 7 | Driving while Suspended/revocation |
| 8 | Excessive points violations |
| 9 | At Fault accident with no insurance |
| 10 | License suspension for failure to pay fines |
| 11 | DUI (Driving under the influence of Drugs or Alcohol) |
HOW LONG DOES A VIOLATION IMPACT YOU?
| Violation Name | Major, Minor, or Non Moving | How Long it Will Affect Your Insurance Rates |
| Non-At-Fault Acccident | Minor | NA* |
| Failure to Yeld | Minor | 3 Years |
| Failure to Use Turn Signal | Minor | 3 Years |
| At Fault Accident | Major | 5 Years |
| Speeding | Minor | 3 Years |
| No Proof of insurance | Non Moving | NA* |
| Using a Cell Phone with Driving | Minor | 3 Years |
| Failure to Secure Load to truck/trailer | Minor | 3 Years |
| Improper Lane use | Minor | 3 Years |
| Driving without a License | Major | 3 Years |
| DUI | Major | 10 Years |
| Parking | Non Moving | NA* |
WHICH COMPANIES OFFER ARVADA SR22 INSURANCE?
Several insurance companies in Colorado offer SR22 insurance, including those that may provide coverage in Arvada.
While I don’t have access to real-time information or specific details about insurance providers, I can provide you with a list of well-known insurance companies that typically offer SR22 insurance in Colorado. You can reach out to them to inquire about Arvada-specific SR22 insurance options:
| Company | SR22 Offered |
| Farmers | yes |
| Geico | yes |
| National General | yes |
| Nationwide | no |
| Mendota Ins. Company | yes |
| State Auto | no |
| Bristol West | yes |
| AssuranceAmerica | yes |
| 21st Century | no |
| American Family | no |
| Liberty Mutual | yes |
| Allstate | unsure |
| Progressive Insurance | Yes |
| Safeco | no |
| Travelers | no |
| USAA | NO |
| GAINSCO | yes |
| Acceptance RTR | yes |
Keep in mind that this is not an exhaustive list, and there may be other regional or local insurance companies in Arvada that offer SR22 insurance as well. It’s advisable to contact multiple insurance providers, compare quotes, and evaluate their specific SR22 insurance policies to find the one that best suits your needs and budget. Remember to inform the insurance company about your requirement for SR22 filing when requesting a quote.
DISCOUNTS FOR ARVADA SR22 INSURANCE
While SR22 insurance is typically more expensive than standard auto insurance due to the increased risk associated with high-risk drivers, some insurance companies may offer discounts that could help reduce the overall cost.
The availability of discounts may vary among insurance providers, so it’s best to contact individual companies directly to inquire about specific discounts for Arvada SR22 insurance. Here are a few common discounts that insurance companies may offer:
- Safe Driver Discount: If you maintain a clean driving record and have no recent traffic violations or accidents, you may qualify for a safe driver discount. This discount is typically available to drivers who have demonstrated responsible driving habits.
- Multi-Policy Discount: If you have multiple insurance policies with the same insurance company, such as auto and home insurance, you may be eligible for a multi-policy discount. Combining your SR22 insurance with other insurance policies could potentially result in a reduced overall premium.
- Good Student Discount: If you or a covered driver on your policy is a full-time student with good grades, you may qualify for a good student discount. Insurance companies often offer this discount to recognize and reward responsible academic performance.
- Defensive Driving Course Discount: Completing an approved defensive driving course can sometimes lead to a discount on your insurance premium. Check with insurance providers if they offer such discounts and if they accept specific defensive driving courses.
- Paid-in-Full Discount: Paying your insurance premium in full for the entire policy term may make you eligible for a paid-in-full discount. This discount encourages policyholders to pay upfront rather than in installments.
Remember, the availability and applicability of these discounts may vary depending on the insurance company and your individual circumstances. It’s important to inquire directly with insurance providers to determine which discounts may be available to you for Arvada SR22 insurance.
| Impact on rates | Discounts Available |
| High | No Accidents or Violations |
| Mild | Homeowners |
| High | Paid in Full |
| High | Auto Pay |
| Mild | Military |
| Mild | Married |
| Mild | Multi Policy |
| Mild | Paperless Discount |
| Mild | Multi Vehicle |
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