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.
How do SR-22s work in Colorado?
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.
Types of SR-22s in Colorado
The SR-22 is not technically insurance, rather it’s proof of your financial responsibility. 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.
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.
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 do I file an SR-22 in Colorado?
- 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.
- Pay the SR-22 fee. To finalize your SR-22, you’ll pay your insurer a fee for the filing convenience.
- Verify minimum liability coverage. If you’re already insured, call your provider to make sure your policy includes at least 25/50/15 coverage:
- $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.
- 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.
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Compare Colorado SR-22 insurance
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.
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.
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.
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.
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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