Who has the cheapest SR22 insurance in Colorado? In 108 real SR22 quotes our agents ran for Colorado drivers in 2026, The General had the lowest median at $73/month, then Mendota ($89), Progressive ($99), National General ($105), Dairyland ($140), and Bristol West ($298). We file the SR22 electronically with Colorado DMV the same day with any of them. Full table below.
Cheapest SR22 Insurance in Colorado: 6 Carriers Compared From 108 Real Filings
The General · Mendota · Progressive · National General · Dairyland · Bristol West
An SR22 is not insurance; it is a form your carrier files with Colorado DMV proving you carry at least the state minimum. The real cost is the policy behind it, and that varies by carrier more than almost any other type of quote we run. These are the medians from our 2026 Colorado SR22 quotes, plus how the same carriers price everyone else.
Medians of real quotes our licensed agents ran in 2026. Different drivers were quoted with different carriers, so these are population comparisons, not the same driver priced twice. Your rate will vary.
Cheapest SR22 in Colorado, by situation
Minimum coverage SR22, owner policy
The General ($73/mo median, 9 quotes) and Mendota ($89/mo, 13 quotes) were the lowest. Both specialize in state-minimum liability for drivers rebuilding a record.
SR22 with full coverage or a financed car
Progressive ($99/mo across 37 SR22 quotes, the most of any carrier) is the one to compare first. It writes full coverage with an SR22 attached, which The General and Mendota often will not.
Non-owner SR22 (no vehicle)
Dairyland ($140/mo median) and Progressive both write non-owner SR22 policies in Colorado. Bristol West’s SR22 median was $298/mo in our data, so we rarely lead with it for filings.
Colorado median monthly premium by carrier, SR22 row highlighted in context
Median monthly premium by driver segment, from 1,614 real quotes our agents ran for Colorado drivers from January through May 2026, including 108 SR22 filings. Lowest median in each row is highlighted. Segments with fewer than 8 quotes for a carrier are marked “too few” rather than shown.
| Driver segment | The General | Mendota | Progressive | National General | Dairyland | Bristol West |
|---|---|---|---|---|---|---|
| All quotes | $91/mo 68 quotes · avg $162 | $93/mo 55 quotes · avg $125 | $147/mo 619 quotes · avg $178 | $244/mo 248 quotes · avg $295 | $166/mo 89 quotes · avg $250 | $221/mo 366 quotes · avg $240 |
| Liability only | $80/mo 50 quotes · avg $96 | $89/mo 39 quotes · avg $96 | $82/mo 272 quotes · avg $100 | $120/mo 99 quotes · avg $136 | $117/mo 49 quotes · avg $136 | $129/mo 133 quotes · avg $148 |
| Full coverage | $272/mo 18 quotes · avg $344 | $186/mo 12 quotes · avg $238 | $219/mo 326 quotes · avg $244 | $331/mo 141 quotes · avg $411 | $348/mo 37 quotes · avg $325 | $264/mo 226 quotes · avg $299 |
| Clean record (no accidents, tickets, or DUI) | $88/mo 63 quotes · avg $159 | $95/mo 37 quotes · avg $107 | $145/mo 499 quotes · avg $175 | $253/mo 185 quotes · avg $309 | $147/mo 80 quotes · avg $233 | $221/mo 310 quotes · avg $244 |
| Accidents, tickets, or DUI on record | too few (5 quotes) | $93/mo 18 quotes · avg $162 | $172/mo 120 quotes · avg $193 | $199/mo 63 quotes · avg $253 | $269/mo 9 quotes · avg $399 | $209/mo 56 quotes · avg $219 |
| SR22 filing required | $73/mo 9 quotes · avg $75 | $89/mo 13 quotes · avg $93 | $99/mo 37 quotes · avg $132 | $105/mo 24 quotes · avg $131 | $140/mo 14 quotes · avg $158 | $298/mo 11 quotes · avg $275 |
| No prior insurance | $86/mo 53 quotes · avg $152 | $91/mo 46 quotes · avg $117 | $123/mo 344 quotes · avg $153 | $160/mo 119 quotes · avg $230 | $134/mo 46 quotes · avg $246 | $151/mo 130 quotes · avg $174 |
| Currently insured | $215/mo 15 quotes · avg $194 | $144/mo 9 quotes · avg $169 | $202/mo 275 quotes · avg $209 | $324/mo 129 quotes · avg $354 | $184/mo 43 quotes · avg $255 | $262/mo 236 quotes · avg $276 |
| Drivers under 25 | $342/mo 13 quotes · avg $397 | $142/mo 12 quotes · avg $164 | $206/mo 91 quotes · avg $239 | $266/mo 27 quotes · avg $300 | $289/mo 10 quotes · avg $308 | $194/mo 29 quotes · avg $232 |
| Drivers 25 to 39 | $86/mo 28 quotes · avg $117 | $89/mo 20 quotes · avg $125 | $138/mo 222 quotes · avg $170 | $244/mo 119 quotes · avg $279 | $163/mo 40 quotes · avg $235 | $199/mo 129 quotes · avg $221 |
| Drivers 40 to 59 | $84/mo 20 quotes · avg $104 | $89/mo 16 quotes · avg $105 | $140/mo 199 quotes · avg $166 | $258/mo 63 quotes · avg $331 | $127/mo 26 quotes · avg $190 | $221/mo 142 quotes · avg $243 |
| Drivers 60 and over | too few (3 quotes) | too few (1 quotes) | $141/mo 55 quotes · avg $165 | $325/mo 19 quotes · avg $402 | $66/mo 9 quotes · avg $114 | $236/mo 51 quotes · avg $276 |
Quotes are what carriers offered, not what every driver bought. “Clean record” means zero accidents, zero violations, and no DUI in the quote. Age bands use the primary driver’s age. How we collect quote data →
Where each carrier came out cheapest
- The General had the lowest median for: all quotes, liability only, clean record (no accidents, tickets, or dui), sr22 filing required, no prior insurance, drivers 25 to 39, drivers 40 to 59.
- Mendota had the lowest median for: full coverage, accidents, tickets, or dui on record, currently insured, drivers under 25.
- Progressive did not have the lowest median in any segment with enough quotes, but it still won individual drivers — that is why we quote it.
- National General did not have the lowest median in any segment with enough quotes, but it still won individual drivers — that is why we quote it.
- Dairyland had the lowest median for: drivers 60 and over.
- Bristol West did not have the lowest median in any segment with enough quotes, but it still won individual drivers — that is why we quote it.
Read the SR22 row against the “Accidents, tickets, or DUI” row: The General and Mendota price the filing itself cheaply but write almost no full coverage, so if you need to protect a financed vehicle after a DUI, Progressive or National General will usually be the real answer. Also note Colorado requires the SR22 to stay continuous, typically for three years; a lapse restarts the clock, so a carrier with flexible monthly payments can be worth a few dollars more.
Need an SR22 filed in Colorado today?
We run all of these carriers and more in one call and show you the numbers side by side. No obligation.
What else separates them
The General
Cheapest SR22 median in our Colorado data. State-minimum liability specialist; full coverage runs high. Files electronically the same day.
Mendota
Second-cheapest SR22 median. Non-standard liability carrier, good for drivers with multiple violations who need minimum coverage fast.
Progressive
Most SR22 quotes of any carrier (37). Writes owner, non-owner, and full coverage SR22 policies; Snapshot discount still applies.
National General
Mid-priced SR22 with strong appetite for drivers who also have a lapse in coverage.
Dairyland
SR22 and non-owner specialist with monthly pay plans built for drivers rebuilding a record.
Bristol West
Highest SR22 median in our data; better for young drivers and lapses than for filings.
Colorado SR22 Questions
Colorado SR22 Questions
6 QuestionsWhat is the cheapest SR22 insurance in Colorado?
In our 2026 quotes, The General ($73/month median) and Mendota ($89/month) for minimum-coverage owner policies, and Progressive ($99/month) when full coverage is needed. Your own rate depends on the violation, your ZIP code, and the vehicle.
How much does an SR22 add to my premium in Colorado?
The filing fee itself is usually $15 to $30 per policy period. The real increase comes from the violation that triggered it (DUI, driving uninsured, suspension), which raises your base rate for three to five years. That is why carrier choice matters more for SR22 drivers than for anyone else.
How long do I need an SR22 in Colorado?
Typically three years from reinstatement, set by Colorado DMV or the court. A lapse of even one day restarts the period and can re-suspend your license. We monitor the policy so it does not lapse.
Can I get a non-owner SR22 in Colorado?
Yes. If you do not own a vehicle, a non-owner SR22 policy satisfies the DMV requirement at a lower cost. Dairyland and Progressive both write them for us. See non-owner insurance explained.
How fast can you file the SR22?
Same day in most cases. We bind the policy, the carrier files the SR22 electronically with Colorado DMV, and you receive proof by text or email. Bring your DMV reinstatement letter so we file the correct form.
Are these rates what I will pay?
No. They are medians of real SR22 quotes for many different drivers. Your violation type, ZIP code, vehicle, and credit will move your rate. The table tells you which carriers to compare first.
How this comparison was built
Every number on this page comes from quotes our licensed agents ran for Colorado drivers between January and May 2026 (1,614 quotes across these six carriers, of which 108 required an SR22 filing), stored in our first-party quote dataset. A quote is what the carrier offered; it is not a policy sold. Medians are used so a few very high-risk quotes do not distort the picture. Different drivers were quoted with different carriers, so this is a population comparison. Segments with fewer than 8 quotes for a carrier are shown as “too few.” Full methodology: How we collect quote data.
Get SR22 quotes from all six carriers and file today.
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Related Guides
- SR22 Insurance in Colorado
- SR-22 Insurance Colorado Springs
- SR-22 After a DUI in Grand Junction: Client Story
- Progressive vs Bristol West in Colorado
- Understanding SR22 Insurance
- The General Insurance Review
- Dairyland Insurance Review
- Colorado Car Insurance Guide
Last Updated on by Shawn Christie