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You may need to file one of three different SR-22 forms in Colorado if you make major violations, such as drunk driving or not paying liability damages after an accident. Filing the SR-22 doesn’t cost that much, but you can expect to pay higher premiums for several years because of your increased driving or financial risk.
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Need help? Call (877) 959-5072 toll-free to speak to an SR-22 specialist.
Need help? Call (877) 959-5072 toll-free to speak to an SR-22 specialist.
To get driving privileges reinstated in Colorado, you’ll need to file an SR-22 with the DMV through your insurance company for three years. If you don’t keep continuous insurance, you can face a license suspension. By filing the SR-22 form, you’re proving your financial responsibility and your minimum liability coverage.
The SR-22 is not technically insurance, rather it’s proof of your financial responsibility. There are three types of Colorado SR-22 certificates:
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’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.
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.
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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.
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.
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.
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.
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.
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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If you need a SR22 do you need to carry it on more than one vehicle policy?
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