SR22 Insurance Denver: Cheapest Rates

In Denver, Colorado, SR-22 insurance is a crucial obligation for individuals with certain driving offenses like DUI or driving uninsured. Essentially a proof of financial responsibility, SR-22 isn’t an insurance policy itself; rather, it’s a guarantee from an insurance company affirming the individual’s possession of the state-required minimum liability coverage.

For those in need of SR-22 insurance in Denver, the process usually involves contacting a recognized insurance provider within the state. Once connected, request the essential SR-22 filing. This form will then be submitted to the Colorado Division of Motor Vehicles (DMV) on your behalf by the insurance company.

It’s important to remember that the SR22 Insurance Denver requirement might extend for around three years. This duration necessitates consistent maintenance of the mandated insurance coverage. Failing to uphold this coverage can lead to penalties including license suspension.

Upon successful completion of the SR-22 period, individuals can witness an enhancement in their driving record. For precise and up-to-date information, consulting the Colorado DMV or an authorized insurance agent is highly recommended.

There are many reasons why someone might be required to have an SR22 in Denver, Colorado.

An SR22 is a certificate of financial responsibility that proves you have the minimum required auto insurance coverage. Here are some common reasons for needing an SR22:

It’s important to note that requirements for an SR22 Insurance Denver policy can vary based on state laws and individual circumstances.

If you find yourself in a situation where you need an SR22 in Denver or anywhere else in Colorado, it’s advisable to consult with your insurance provider or the relevant authorities to ensure you meet the necessary requirements.

In Denver, as in most places, having an SR-22 requirement can significantly impact your auto insurance rates. Here are the top five ways an SR-22 will impact auto insurance rates in Denver:

1. Higher Premiums: The most immediate and significant impact of an SR-22 requirement is the increase in your auto insurance premiums. Insurance companies view drivers with an SR-22 requirement as high-risk individuals, and as a result, they will typically charge higher premiums to provide coverage.
2. Cancellation or Non-Renewal: Some insurance companies might choose to cancel your policy or not renew it once they become aware of the need for an SR-22. This could be due to the perceived increased risk associated with your driving history. If your current insurer does not provide coverage with an SR-22, you’ll need to find a new insurance provider that offers SR-22 policies.
3. Limited Options: Your options for insurance coverage might become limited. Not all insurance companies offer policies to drivers who require an SR-22. This means you might have to shop around extensively to find an insurer that is willing to provide coverage at a reasonable rate.
4. Extended Requirement: Depending on the reason for needing an SR-22, you might be required to maintain it for a certain period, typically a few years. During this time, you’ll need to ensure continuous coverage with the SR-22 endorsement. Failing to maintain the SR-22 as required could lead to legal consequences and further impact your insurance rates.
5. Difficulty Lowering Rates: While it’s possible to find more affordable rates over time by maintaining a clean driving record and addressing the issues that led to the SR-22 requirement, it might take longer for your rates to decrease compared to someone without an SR-22. Insurance companies will closely monitor your driving behavior and history before considering rate reductions.

It’s important to note that the specific impact of an SR-22 on your insurance rates can vary based on factors such as the reason for the SR-22 requirement, your driving history, your age, the insurance company you choose, and other individual circumstances. To navigate these impacts, it’s advisable to work closely with insurance agents who have experience dealing with SR-22 Insurance Denver policies to find the best coverage and rates for your situation.

Looking for SR22 insurance in Denver but don’t own a car? Surprisingly, you can still get coverage at low rates with non-owner and broad form policies. These policies provide liability coverage in case you’re involved in an accident while driving a borrowed or rented car. Don’t let not owning a car stop you from getting the SR22 insurance you need to get back on the road.

Non Owners and Broad Form Insurance Providers	Average Monthly Rate with SR22
Progressive Insurance	$102
Dairyland	$105
The General	$111
Mendota Ins. Company	$132
Bristol West	$135

Yes, it is possible to find affordable SR-22 insurance coverage even if you require full coverage in Denver. However, it’s important to keep in mind that SR-22 insurance is typically more expensive than regular auto insurance because it is required for drivers who have been deemed high-risk by the state.

To find affordable SR-22 insurance Denver coverage, you can start by shopping around and comparing quotes from multiple insurance providers. You can also consider raising your deductible or reducing your coverage amounts if you need to lower your premiums. Additionally, maintaining a safe driving record and avoiding traffic violations can help you qualify for lower rates in the future.

It’s important to note that SR-22 insurance is typically required for a specific period of time, usually between one and three years, depending on your state’s requirements. After this period, you may be able to switch back to regular auto insurance coverage.

SR22 Insurance Denver Company	Avg. Full Coverage Rate
State Farm	N/A
Dairyland	$191.00
State Auto	N/A
Progressive Insurance	$201.00
Acceptance RTR	$202.00
Geico	$167.00
Travelers	N/A
National General	$166.00
Safeco	N/A
21st Century	N/A
Allstate	N/A
Bristol West	$192.00
Nationwide	N/A
Mendota Ins. Company	$205.00
GAINSCO	$168.00
AssuranceAmerica	$171.00
USAA	N/A
The General	$177.00

Unfortunately, having a DUI on your record typically means that you will be considered a high-risk driver by insurance companies, which can result in higher insurance rates.

That being said, it is still possible to find cheap SR-22 insurance Denver rates with a DUI on your record. One way to do this is to shop around and compare rates from different insurance companies. Some companies may specialize in providing coverage to high-risk drivers and may offer lower rates than others.

Another way to potentially lower your insurance rates is to take steps to improve your driving record. This could include completing a defensive driving course, avoiding traffic violations, or maintaining a clean driving record for a certain period of time.

Overall, while it may be more challenging to find affordable SR-22 insurance rates in Denver with a DUI on your record, it is not impossible. By taking the time to shop around and improve your driving record, you may be able to find a policy that fits your needs and budget.

Yes, opting for liability only coverage can help lower your SR22 insurance rates in Denver. This is because liability coverage only protects other drivers and their property in case of an accident, rather than covering damages to your own vehicle. As a result, SR22 insurance Denver companies often view liability only coverage as less risky and therefore offer lower rates than full coverage policies.

SR22 Insurance Denver Company	Average Rates Liability Only
Safeco	N/A
Travelers	N/A
American Family	N/A
State Farm	N/A
Nationwide	N/A
Bristol West	$95.00
Farmers	$105.00
Allstate	N/A
Acceptance RTR	$88.00
State Auto	N/A
The General	$95.00
Progressive Insurance	$67.00
AssuranceAmerica	$100.00
21st Century	N/A
Mendota Ins. Company	$69.00

Take a look at the chart below to see which companies charge an SR22 fee and how much it might cost.

SR22 Insurance Denver Provider	SR22 Company Fee
State Farm	Unknown
Safeco	na
State Auto	na
21st Century	na
Allstate	Unknown
Farmers	$15-$31
American Family	na
The General	$25.00
Acceptance RTR	NA
GAINSCO	NA
Liberty Mutual	$15-$25
Nationwide	na
USAA	na
Geico	$25.00
Progressive Insurance	$25.00
Dairyland	Free

Step 1: Gather Your Info: Start by collecting the important details you’ll need. Insurance companies require this info to give you an accurate quote:

• Personal Info: Your name, address, birthdate, and contact info.
• Car Details: Info about your vehicle (If you have one), like its make, model, year, and VIN.
• Driver’s License: Your driver’s license number and any additional drivers’ info if necessary. It’s imperative that you know which state you need your SR22 filed in.
• Driving History: Any accidents or tickets from recent years.
• Current Policy (if you have one): Details about your current insurance, like what it covers and when it expires.

Step 1: Contact Our Agency Now it’s time to reach out to us so that we can shop multiple carriers to get quotes. You can do this in a few ways:

• Online: Go to our self service quoting page and fill out the form.
• Phone: Call us and share your info over the phone to get a quote. Don’t have time to talk? We can initiate quotes via text.

Step 3: We Help You Compare and Choose Once you have your quotes, it’s time to compare them and make a decision:

• Review the Quotes: Look at the quotes carefully. Compare factors like coverage limits, deductibles, and any discounts each company offers.
• Choose Your Best Option: After comparing, pick the company that offers the right coverage for you at a price you like.
• Get Your Policy: Purchase the chosen policy and make sure your vehicle is properly insured. Remember to keep checking your coverage to ensure it remains a good fit for you. The insurance company, in most cases, will file the policy for you to the local DMV.

Last Updated on September 7, 2023 by Veronica Moss