SR22 Insurance Colorado
Sometimes people have certain violations on their driving record that cause a judge to require them to carry Sr22 for Colorado. While this is often called sr-22 Insurance, it isn’t really an insurance policy. It’s actually something a person needs to add to their insurance policy to get a license reinstated.
What Is It
The purpose of a sr22 in Colorado is to have something on file with the state from the insurance company that verifies that a person has the proper insurance coverage. This is something that a person may need to pay an extra fee for over and above the cost of the insurance itself. It’s typically required for driver’s that have shown riskier behavior or a consistent pattern of breaking vehicular laws, not for relatively minor tickets or offenses.
Who Needs an SR22?
A judge orders a person to have sr22 insurance in Colorado in certain circumstances. These can include getting into an accident without having car insurance, driving while under the influence, reckless driving, getting a new license after having previously had a driver’s license revoked or suspended or even getting a lot of tickets within a relatively short time frame. Once Sr22 insurance in Colorado is ordered, it has to be purchased and maintained for a set amount of time or the driver’s license will be revoked until a new SR22 is in place to show the person is insured again.
How much does an SR22 Cost?
While it isn’t free, sr22 insurance Colorado Springs providers don’t usually charge a lot for this certification. A typical fee could be about $25, which would need to be paid for each driver on the policy that needs the certification. Also, should your coverage lapse, a new fee will need to be paid to get the SR22 back as well. The cost of the SR22 itself isn’t the only thing to consider, however, as many of the things that make this rider necessary tend to cause insurance quotes to be more expensive and a bit more difficult to find, such as driving while intoxicated, moving violations and accidents. Some insurance companies require someone that needs an SR22 to pay their insurance bill in full instead of making monthly payments before sending the SR22 to the state.
How long do I have to keep a sr22?
The length of time people need to carry an SR22 rider on their insurance varies depending on both the violation that caused the sr 22 to be required and the state involved, but the average is around three years. This is also about how long any tickets, accidents or other adverse driving events stay on a driver’s record. Colorado, for example, now has a law that states that for a first time DUI offense that didn’t cause an accident, people only need to carry an SR22 rider for the length of time their license was suspended, but for people that caused an accident or who have a previous DUI, they need to carry the sr 22 for either three years or the length of time their license was suspended for, whichever is longer.
Need SR22 but no car?
Sr-22 insurance Colorado Springs
- We are Sr-22 Colorado experts.
- Is the state requiring you to carry a sr22? Our agents can help.
- Your first question may be what is a sr22? Answer: An SR22 is a reporting requirement placed on a policy.
It requires a company to report to the state the status of the insurance policy. (If the policy active and paid to date.)
Simply put it is the states way of making sure you maintain insurance…. If you don’t they will suspend your license.
A sr-22 in the state of Colorado, when required, are typically required to be carried on your policy for three years.
Required to carry a sr22 and don’t have a vehicle? You need a broad form or non-owners policy.
What is a Broad form or Non-owners policy?
It is an insurance policy that follows a driver, not the vehicle.
A Free SR22?
We can help you find those companies that do not charge for the Filling financial responsibility forms. All you pay is the cost of the coverage.
Areas serviced for Colorado SR22 Insurance:
- Colorado Springs
- Wheat Ridge
SR22 Insurance Agent Denver
We not only offer sr22 insurance Colorado/auto insurance in Colorado Springs, Colorado but through the entire state of Colorado including Sr22 insurance Denver, Pueblo, Aurora, and Fort Collins. Saturday, February 08, 2014. Client review – Jon M. – Colorado Springs, CO. – Amy explained what the D.M.V. should have, she helped me get a sr22 insurance so I could get my license back. The sr22 only cost me $62 per month and 20 min. on the phone to get receive a quote. She emailed me my sr22 and Id cards in less than 5 min. Thank you, Amy, you deserve a raise!
Sr-22 quotes given for Colorado.32 – Male, Colorado Springs- Broad form – Three violations – $86 monthly premium Viking
Companies that offer sr22’s
Bristol West / Foremost sr22
Viking / Dairyland sr22
The General sr22
Call the Authority on SR22 Insurance in Colorado.
The city and county of Denver are the capital and most populous municipality of the U.S. state of Colorado. As of 2015, Denver is also the most populous county in Colorado. Therefore the number of vehicles seen in the streets of the place are also high. These needs proper certification and insurance for flawless control and execution.
Sr22 insurance in Denver
CO can be referred to as a certificate of insurance and/or financial responsibility filing. It is a vehicle liability insurance filing required by some state Department of Motor Vehicles to place on higher risk insurance policies.
A DMV may require an SR-22 from a driver during the following cases:
- To reinstate the driver’s driving license after an uninsured car accident or another traffic-related offense, such as a DUI or Driving Under the Influence or Driving While Intoxicated.
- In the case of being caught driving without insurance and without a license.
- During an at-fault accident while driving with no insurance.
- While traffic tickets and/or too many tickets in a short time period are repeated.
A revoked or suspended license
An SR-22 may be required for three years for conviction of driving without insurance or driving with a suspended license and up to five years for a DUI. If an SR-22 should expire or be canceled, the insurance company is required to issue an SR26 form, which essentially is the cancellation of the sr22 upon the policy being canceled.
An SR22 insurance can involve and various kinds of policies. To sum up, the policies may be the following:-
Broad form policies-Broad Form Insurance’ policy
Broad form policies-Broad Form Insurance’ policy includes coverage that extends beyond the basics to include rare events that may be of serious risk to the insured. This type of insurance usually requires that a higher premium, and often a deductible, be paid.SR22 Denver covers this kind of policy for sudden accidents or DWI by the driver that occurs unexpectedly.
Non-owners policies-This is a special kind of policy called non-owner car insurance that SR22 Denver fits the bill. Non-owner car insurance provides liability coverage when you’re renting a vehicle or borrowing someone else’s car. This liability coverage pays for injuries and property damage that you cause to other drivers and their passengers.
There are various SR22 providers in Denver. But while choosing your provider, you must look into the cost effectivity, quickness of service, policy coverage, and proper validity. Remember that your vehicle is special and make sure the insurance you make for its safety should also be special.
121 S. Tejon, Plaza of the Rockies, Colorado Springs, CO. 80903.
Our office phone # is 719 392 4000.
3773 Cherry Creek North Drive # 575,
Denver, Colorado 80210, United States (US)
Phone: (303) 355-2337
A Plus Insurance
Pueblo, CO 81008
Phone: (719) 404-1853
|Other Insurance Guides by City|
|Insurance Grand Junction|
|Cheap Car Insurance Rock Hill|
|Auto Insurance Anderson|
|Auto Insurance Wasilla|
|Car Insurance Pueblo|
|Cheap Car Insurance Horseshoe|
|Insurance Fort Collins|
Last Updated on July 9, 2021 by Veronica Moss