PUEBLO WEST SR22 INSURANCE
Pueblo West SR22 insurance refers to an auto insurance policy that includes an SR22 filing in Pueblo West, Colorado. An SR22 is a certificate of financial responsibility that is required by the state of Colorado for certain high-risk drivers. If you have been convicted of certain offenses such as driving under the influence (DUI) or driving without insurance, you may be required to obtain an SR22 in order to reinstate your driver’s license.
Is SR22 insurance?
The SR22 filing is not actually an insurance policy but rather a form that your insurance company files with the Colorado Division of Motor Vehicles (DMV) on your behalf. It verifies that you have the required amount of liability insurance coverage to meet the state’s minimum requirements.
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To obtain Pueblo West SR22 insurance, you will need to contact an insurance company or an insurance agent that offers SR22 filings. They will assist you in obtaining the necessary coverage and filing the SR22 form with the DMV. It’s important to note that not all insurance companies offer SR22 filings, so you may need to shop around to find one that does.
COST OF PUEBLO WEST SR22 INSURANCE
The cost of SR22 insurance can vary depending on various factors such as your driving record, the type of offense you were convicted of, and the insurance company you choose.
Generally, SR22 insurance tends to be more expensive than standard auto insurance due to the high-risk nature of the individuals requiring it.
If you need Pueblo West SR22 insurance, it’s recommended to reach out to local insurance providers or search online for insurance companies that offer SR22 filings in your area. They will be able to guide you through the process and provide you with the necessary coverage to meet the SR22 requirements in Pueblo West, Colorado.
| Company Additional Fees for SR22 In Pueblo West | |
| Bristol West | $25.00 |
| Dairyland | Free |
| Acceptance RTR | NA |
| Progressive Insurance | $25.00 |
| USAA | na |
| GAINSCO | NA |
| State Auto | na |
| Travelers | na |
| Safeco | na |
| AssuranceAmerica | NA |
| Liberty Mutual | $15-$25 |
| American Family | na |
| 21st Century | na |
| Allstate | Unknown |
| State Farm | Unknown |
| Farmers | $15-$31 |
| Nationwide | na |
| National General | $25.00 |
| The General | $25.00 |
State Insurance Requirements for Pueblo West SR22 Insurance
In Pueblo West, Colorado, the state insurance requirements for SR22 insurance are as follows:
- Liability Insurance: You must have liability insurance coverage that meets the minimum requirements set by the state of Colorado. The minimum liability coverage limits in Colorado are:
- $25,000 for bodily injury or death per person
- $50,000 for bodily injury or death per accident
- $15,000 for property damage per accident
- SR22 Filing: You are required to have an SR22 filing submitted to the Colorado Division of Motor Vehicles (DMV) by your insurance company. The SR22 filing serves as proof of insurance and verifies that you have the required liability coverage.
- Continuous Coverage: You must maintain continuous SR22 insurance coverage for a specified period of time. The duration of the SR22 filing period depends on the reason for the requirement. Typically, it is required for three years, but it can vary based on your specific circumstances.
It’s important to note that SR22 insurance is generally required for drivers who have been convicted of serious driving offenses, such as DUI/DWI, driving without insurance, multiple traffic violations, or being at fault in an accident without insurance.
The specific circumstances that lead to the requirement for SR22 insurance will determine how long you need to maintain the filing.
To comply with the state insurance requirements for Pueblo West SR22 insurance, you should contact an insurance company or agent that offers SR22 filings. They will assist you in obtaining the necessary coverage and filing the SR22 form with the Colorado DMV to reinstate your driving privileges.
| Dairyland | $73 |
| Progressive Insurance | $86 |
| National General | $94 |
| The General | $101 |
| Mendota Ins. Company | $109 |
| Nationwide | $110 |
| AssuranceAmerica | $111 |
| Geico | $121 |
| Allstate | $124 |
| GAINSCO | $125 |
| USAA | $127 |
| State Auto | $132 |
| Bristol West | $134 |
| American Family | $142 |
| Acceptance RTR | $143 |
PUEBLO WEST SR22 INSURANCE BUT DON’T OWN A CAR?
If you need Pueblo West SR22 insurance but don’t own a car, you may still be required to obtain an SR22 filing depending on the circumstances that led to the requirement.
In such cases, you can look into obtaining a non-owner SR22 insurance policy.
A non-owner SR22 insurance policy provides liability coverage for individuals who do not own a vehicle but still need to meet the SR22 filing requirement. It covers you as a driver when you are operating vehicles that you do not own, such as rented or borrowed cars.
Non-owner SR22 insurance typically includes the following:
- Liability Coverage: It provides coverage for bodily injury and property damage liability in the event you cause an accident while driving a vehicle not owned by you.
- SR22 Filing: The non-owner SR22 policy will include the required SR22 filing that needs to be submitted to the Colorado DMV.
It’s important to note that non-owner SR22 insurance does not provide coverage for any vehicle you own or regularly use.
It is specifically designed to meet the SR22 filing requirement for drivers who don’t have regular access to a vehicle.
To obtain non-owner SR22 insurance in Pueblo West, you should contact insurance companies or agents that offer this type of coverage. They will guide you through the process and help you obtain the necessary non-owner SR22 policy with the required filing.
Keep in mind that the cost of non-owner SR22 insurance can vary based on factors such as your driving record and the insurance company you choose. It’s advisable to shop around and compare quotes from different providers to find the best coverage and price for your specific situation.
| CARRIERS OFFERING NON-OWNERS | LIABILITY ONLY |
| Dairyland | $75 |
| Progressive Insurance | $83 |
| The General | $123 |
| Bristol West | $154 |
| Mendota Ins. Company | $164 |
| Geico | $178 |
| Allstate | $209 |
| State Farm | $222 |
| Acceptance RTR | $246 |
DUI and PUEBLO WEST SR22 INSURANCE
If you have been convicted of a DUI (Driving Under the Influence) in Pueblo West, Colorado, you will likely be required to obtain SR22 insurance as part of the process to reinstate your driver’s license. SR22 insurance is a common requirement for individuals with DUI convictions in many states, including Colorado.
Obtaining Pueblo West SR22 insurance after a DUI conviction involves several steps:
- Contact Insurance Providers: Reach out to insurance companies or insurance agents in Pueblo West who offer SR22 filings. Not all insurance companies provide SR22 insurance, so it’s important to specifically inquire about their ability to provide coverage with an SR22 filing.
- Provide Information: When requesting SR22 insurance quotes, you’ll need to provide information about your DUI conviction, including the date, the court where the conviction occurred, and any other relevant details. This information will help the insurance company determine the appropriate coverage and cost.
- Obtain SR22 Filing: Once you have chosen an insurance company, they will file the SR22 form with the Colorado Division of Motor Vehicles (DMV) on your behalf. The SR22 filing verifies that you have the required liability insurance coverage.
- Maintain Continuous Coverage: It is crucial to maintain continuous SR22 insurance coverage for the duration specified by the DMV. In Colorado, the typical duration for SR22 filing after a DUI conviction is three years. However, the specific duration may vary based on your circumstances and any additional requirements imposed by the court.
- Pay Premiums: SR22 insurance premiums are generally higher than standard auto insurance due to the elevated risk associated with a DUI conviction. Make sure to budget for the increased cost of SR22 insurance.
Remember that SR22 insurance is a mandatory requirement to reinstate your driving privileges after a DUI conviction.
Failing to maintain the required SR22 filing and insurance coverage can result in further penalties and license suspension.
It’s advisable to consult with a local insurance professional who specializes in SR22 insurance to ensure that you meet all the necessary requirements and comply with Colorado state laws regarding Pueblo West SR22 insurance after a DUI conviction.
| Violation Name | Major, Minor, or Non Moving | How Long it Will Affect Your Insurance Rates |
| Failure to Use Turn Signal | Minor | 3 Years |
| Failure to Use a Seat Belt | Non Moving | NA* |
| Non-At-Fault Acccident | Minor | NA* |
| Using a Cell Phone with Driving | Minor | 3 Years |
| Expired Tags | Non Moving | NA* |
| Reckless Driving | Major | 5 Years |
| At Fault Accident | Major | 5 Years |
| Improper Lane use | Minor | 3 Years |
| Parking | Non Moving | NA* |
| Speeding | Minor | 3 Years |
| Failure to maintain Clear Distance (tailgating | Minor | 3 Years |
| Crossing over a Center Divider | Minor | 3 Years |
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