Filing for SR-22 car insurance in Colorado | finder.com
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Filing for SR-22 insurance in Colorado

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If you’ve gotten in trouble behind the wheel in Colorado, you could be ordered by the court to file for an SR-22.

However, SR-22 insurance isn’t insurance at all. Rather, it’s a document your insurance company files with the state to prove you’re covered by the minimum car insurance required to legally drive.

Here’s a look at how you can get and maintain an SR-22 in Colorado.

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Find the best rates from insurance providers near you or learn more about state minimums and other requirements in the comprehensive guide to Colorado car insurance.

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
USAA
Included free
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

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Do I need SR-22 insurance in Colorado?

Your state DMV will let you know if you need to file an SR-22. In Colorado, you may need to file for an SR-22 if:

  • You’re convicted of a DUI.
  • The state restricts or revokes your license.
  • You’ve acquired 12 or more points on your driving record within the previous 12 months.
  • You’re responsible for an accident and fail to pay for damages.
  • A judge orders a mandatory insurance supervision.

There are three types of Colorado SR-22 certificates:

  • Operator’s certificate. For drivers who don’t own a vehicle.
  • Owner’s certificate. For drivers who intend to drive their own cars.
  • Operators–owners certificate. Coverage for all cars you might drive, whether you own them or not.

What if I don’t have a car or license?

You’ll still need to file for an SR-22 to legally get behind the wheel in Colorado. Ask your insurer about how you can get an operator’s certificate.

What if I’m from another state?

If you have an SR-22 from another state, you must maintain it while driving in Colorado. Your SR-22 is likely to be sufficient in Colorado, but it’s best to verify coverage with the DMV and your insurer.

How much does an SR-22 cost in Colorado?

Once you’ve purchased or renewed a policy, most providers will file an SR-22 for a fee of $20 to $50.

But it’s not the fee that’s most expensive when you file for an SR-22: You’ll also typically see higher premiums than you’re used to.

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Companies that offer SR-22 car insurance in Colorado

Not every insurer offers SR-22 filing support. Compare cheap rates from Colorado insurance companies that offer SR-22 insurance. Your actual quotes will vary based on your demographics, location, driving record and other factors.

Rates last updated September 21st, 2018
Company Median annual rate Learn more
Allstate $1,067 Read review
Esurance $1,446 Read review
State Farm $805 Read review
Geico $1,458 Read review
Safeco $566 Read review
American Family $922 Read review
Farmers $367 Read review
USAA $975 Read review
Average $951 Compare more reviews

How do I file an SR-22 in Colorado?

1. Find an insurer. Ask your insurer if it’s authorized to issue SR-22s by the state of Colorado. If not, find a provider that is.

2. Pay the SR-22 fee. To finalize your SR-22, you’ll pay your insurer a fee for the filing convenience.

3. Verify minimum liability coverage. If you’re already insured, call your provider to make sure your policy includes at least:

  • $25,000 for injury or death to one person.
  • $50,000 for injury or death to more than one person.
  • $15,000 for damage to property.

These are the minimum coverage requirements for the state of Colorado. You may see this coverage listed as 25/50/15 in insurance documents.

4. Submit your SR-22. Ask your insurance agent to file your SR-22 for you, or mail it to the Colorado DMV in Lakewood.
If you mail your SR-22, you may need to include an Application for Reinstatement form if your license was suspended.

How long will I need an SR-22 in Colorado?

In Colorado, most court-ordered SR-22s result in a coverage requirement of three years.

What happens if I let my SR-22 lapse?

Your insurance company will notify the Colorado DMV if you let your coverage lapse when the SR-22 is still required. Should this happen, your license will be suspended.

It’s incredibly important for you to keep up on your SR-22 insurance and renew it annually until the mandate ends.

The impact of an SR-22 on your car insurance rates

SR-22s are often required after driving without insurance, a DUI or other serious driving convictions. As a result, the state and most providers consider you “high risk.”

Talk to your provider about how much you can expect your rates to increase.

And make sure you understand your role in maintaining your insurance and your SR-22. A lapse or nonrenewal could set you back a lot of money and time.

What happens when I don’t need SR-22 coverage anymore?

Avoid penalties by confirming that your mandate is completely finished before canceling or changing your policy. Once you’ve contacted your local DMV to establish it’s done you can go about shifting to a different insurance plan without fear of penalties from the court.

Bottom line

One of three types of SR-22 certificates may be required if you have a serious enough driving conviction, even if you don’t own a vehicle. By renewing your coverage every year can prevent an extension of your mandate, and get you back to the regular market faster.

A mark on your record may follow you for a while, but there are still options available. Compare insurance carriers to get a policy that meets your needs at a reasonable rate.

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2 Responses

  1. Default Gravatar
    JoAnnApril 5, 2018

    If you need a SR22 do you need to carry it on more than one vehicle policy?

    • finder Customer Care
      nikkiangcoApril 5, 2018Staff

      Hi Joann,

      Thanks for your message and for visiting finder – the leading comparison website & general information service built to give you advice in your buying decision needs. How are you doing today?

      An SR-22 R-22 insurance” isn’t insurance at all. Rather, it’s a document your insurance company files with the state to prove you’re covered by the minimum car insurance required to legally drive.

      If you have more than one vehicle policy, you should let your insurance know that you’d need to file an SR-22 with the policy.

      Hope this clarifies!

      Best regards,
      Nikki

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