SR22 Insurance Colorado

What is SR22 Insurance? Who has the cheapest SR22 Insurance in Colorado? How to get SR22 Insurance without a car? We have the facts!

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The Basics

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 an 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.

SR22 Insurance Colorado Facts

“Yes, your honor..”

A judge orders a person to have SR22 insurance in Colorado in certain circumstances.

What are offenses that get you an SR22 Filing?

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.

Do I have to file the SR22?

The insurance company files the SR22. Once SR22 insurance 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 is this filing?

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. should your coverage lapse, a new fee will need to be paid to get the SR22 back as well.

Why is SR22 Insurance Colorado so expensive?!

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 an SR22 in Colorado?

The length of time people need to carry an SR22 rider on their insurance varies depending on both the violation that caused the SR22 Insurance Colorado 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 SR22 for either three years or the length of time their license was suspended for, whichever is longer.

SR22 Insurance Colorado

SR22 Insurance Colorado Springs


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 SR22 in the state of Colorado, when required, are typically required to be carried on your policy for three years. Required to carry SR22 Insurance Colorado and don’t have a vehicle?  You need a broad form or non-owners policy.

SR22 Insurance Colorado

Companies Offering SR22 in Colorado

We work with big names in the insurance industry to find you the cheapest SR22 insurance Colorado. Some companies like Dairyland Insurance offer great rates for those that are consider ‘High-Risk’. Advantage Auto, also known as Mendota, has competitive pricing as well.

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Areas Serviced for SR22 Insurance Colorado:

  • Colorado Springs
  • Denver
  • Arvada
  • Englewood
  • Littleton
  • Golden
  • Wheat Ridge
  • Evergreen
  • Pueblo

Why Would I Need an SR22 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 need proper certification and insurance for flawless control and execution. A DMV may require an SR-22 from a driver during the following cases:

Reinstatement: 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.

Not Covered: In the case of being caught driving without insurance and without a license.

Damage Caused: During an at-fault accident while driving with no insurance.

Busted: While traffic tickets and/or too many tickets in a short time period are repeated.

A revoked or suspended license: An SR22 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.

Frequently Asked Questions about SR22 Insurance in Colorado

What is SR22 insurance and why do I need it?

SR22 insurance is a certificate of financial responsibility required by the state of Colorado for individuals convicted of certain driving offenses, such as DUI/DWAI or driving without insurance. It proves to the state that you have the minimum required liability insurance coverage. Failure to maintain SR22 insurance can result in further legal consequences.

How long do I need to maintain SR22 insurance in Colorado?

The duration of SR22 insurance requirements varies depending on the offense. In Colorado, it typically ranges from 3 to 5 years. It’s crucial to maintain continuous coverage during this period to avoid license suspension or other penalties.

Can I get SR22 insurance in Colorado with a suspended license?

Yes, you can still obtain SR22 insurance with a suspended license. However, it’s essential to clarify with your insurance provider the specific requirements and limitations. Contact us at 1.888.445.2793 for personalized assistance with your situation.

3773 Cherry Creek North Drive # 575,
Denver, Colorado 80210, United States (US)
Phone: (303) 355-2337

121 S. Tejon, Plaza of the Rockies, Colorado Springs, CO. 80903.
Our office phone # is 719 392 4000.

Phone: (719) 404-1853
Email: Pueblo@coautoquotes.com
URL: http://www.new.learnandserve.org/pueblo-auto-insurance/

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Don’t give up…we can help you find affordable rates, need an SR-22? We got you!

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How to Get a Free Quote and Save!

01.

Contact Us​

Start by reaching out to us, either online, by phone, or in person. Provide basic personal and vehicle information to initiate the quote process.

02.

Details

Provide more detailed information about your driving history, the vehicle you wish to insure, and any specific coverage needs or preferences you have

03.

Quote

We will process your information and present you with a customized insurance quote, outlining coverage options and prices tailored to your needs.

04.

Decision

Review the provided quote at your leisure. If you decide to proceed, you can finalize the policy, setting up payment and coverage start dates.

For more information about SR22 insurance in Colorado, please call us at 1.888.445.2793.

Last Updated on by Veronica Moss

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