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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How does SR-22 work in Colorado?

SR-22 insurance in Colorado works by providing proof of financial responsibility for high-risk drivers, typically required after serious traffic violations like DUIs or driving without insurance. When you need SR-22 insurance, your insurance company files an SR-22 form with the Colorado DMV to certify that you carry the state’s minimum liability coverage. This certification must be maintained for a specified period, usually three years, to comply with state regulations. Comparing quotes from providers like Progressive, Dairyland, and The General can help you find the best rates for SR-22 insurance in Colorado.

Key Points to Remember:

  • SR-22 insurance provides proof of financial responsibility in Colorado.
  • Required after serious traffic violations such as DUIs.
  • Must be filed by your insurance company with the Colorado DMV.
  • Compare quotes from Progressive, Dairyland, and The General for the best rates.

For personalized assistance and to get the best quotes, call us at 1.888.445.2793.

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 much does a SR-22 cost in Colorado?

The cost of SR-22 insurance in Colorado typically ranges from $25 to $50 for the filing fee, with overall monthly premiums varying between $100 and $200 depending on factors such as your driving history and age. When looking for SR-22 insurance in Colorado, it’s essential to compare quotes from multiple providers like Progressive, Dairyland, and The General to find the most affordable rates. The SR-22 requirement is typically imposed after serious violations like DUIs or driving without insurance, and it ensures that you meet Colorado’s minimum liability coverage requirements.

Key Points to Remember:

  • SR-22 filing fees in Colorado range from $25 to $50.
  • Monthly premiums for SR-22 insurance range from $100 to $200.
  • Compare quotes from Progressive, Dairyland, and The General to find the best rates.
  • Required after serious violations to meet Colorado’s liability coverage requirements.

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.

Affordable SR22 Insurance in Colorado Springs: Rates and Providers

Affordable SR22 insurance in Colorado Springs is available from providers like Progressive, Dairyland, and The General, with rates typically ranging from $100 to $200 per month. When searching for SR22 insurance in Colorado Springs, it’s crucial to compare quotes from multiple providers to find the best rates and coverage options. SR22 insurance is required for high-risk drivers after serious violations like DUIs, ensuring you meet Colorado’s minimum liability coverage requirements. By comparing rates from top providers, you can secure affordable SR22 insurance and maintain your driving privileges.

Key Points to Remember:

  • SR22 insurance rates in Colorado Springs range from $100 to $200 per month.
  • Compare quotes from Progressive, Dairyland, and The General for the best rates.
  • SR22 insurance is required for high-risk drivers to meet Colorado’s liability coverage requirements.

If you need SR22 insurance in Colorado but don’t own a car, consider getting a Broadform or non-owner’s policy. This type of insurance follows you, the driver, rather than a specific vehicle, making it typically less expensive than traditional insurance policies. With a Broadform SR22 Insurance Colorado policy, you can secure cheap SR22 insurance Colorado without compromising on liability coverage. However, keep in mind that comprehensive and collision coverages are not available with this type of policy.

A Broadform SR22 Insurance Colorado policy is perfect if you regularly borrow a roommate’s or parent’s vehicle, as it provides liability coverage. Even when you get your own vehicle, you can continue with a Broadform policy for liability if you don’t need comprehensive and collision coverages. This flexibility makes it an excellent choice for drivers without their own cars who still need to meet state financial responsibility requirements.

Estimated Non-Owner SR22 Insurance Rates in Colorado

Insurance CompanyMonthly Rate EstimateAnnual Rate Estimate
Progressive$60$720
Dairyland$55$660
Travelers$65$780

Key Points to Remember:

  • Broadform non-owner’s policies follow the driver, not the vehicle.
  • Typically less expensive, with limited coverage options.
  • Provides liability coverage for borrowed or rented vehicles.
  • Compare quotes from Progressive, Dairyland, and Travelers for the best rates.

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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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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