How SR22 Insurance Works in Colorado: A Complete Guide

Understanding how SR22 insurance works in Colorado is essential for high-risk drivers. SR22 insurance in Colorado is a certificate of financial responsibility required by the state to reinstate driving privileges after certain violations, such as DUIs or driving without insurance. This document proves you have the minimum required auto insurance coverage. Typically, the SR22 must be maintained for a specific period, usually three years. It’s important to compare rates from different providers to find affordable SR22 insurance in Colorado. This guide will help you navigate the process and ensure you meet all state requirements.

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.

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

Finding affordable SR22 insurance in Colorado Springs can be challenging, but comparing rates from various providers can help you secure the best deal. SR22 insurance in Colorado is often required for high-risk drivers to reinstate their driving privileges and maintain proof of financial responsibility. By comparing rates and coverage options from top providers, you can find the most cost-effective SR22 insurance in Colorado Springs. This guide will help you navigate the options available, ensuring you get the necessary coverage at an affordable price.

Here’s a table with actual insurance providers and their estimated monthly rates for SR22 insurance in Colorado Springs:

This table provides a comparison of the monthly rates, coverage options, and benefits offered by top SR22 insurance providers in Colorado Springs, helping you make an informed decision on the best option for your needs.

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.

How to Get SR22 Insurance Without Owning a Car

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

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.

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.

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 July 15, 2024 by Amanda Moss