Colorado’s cheapest SR-22 insurance

Compare cheap SR-22 insurance in Colorado

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SR-22 insurance is document your insurance company files with the state to prove you’re covered by the minimum car insurance required to legally drive. Find out how you can get and maintain an SR-22 in Colorado.

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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 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 25/50/15 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.
  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.
  • Affordable coverage
  • Instant online access
  • SR-22 support

Our pick for SR-22 drivers: The General

The General offers affordable coverage for nearly any driver who needs car insurance.

  • Affordable coverage
  • High risk drivers okay
  • Instant online access
  • Available in 46 states

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.

Name Product SR-22 Nonowner policy Payment schedule States served
The General
Yes
Yes
12 months, monthly
AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MN, MS, MO, MT, NE, NV, NH, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY
The General offers affordable coverage for nearly any driver who needs car insurance.
Esurance
Yes
No
12 months, monthly
AL, AZ, AR, CA, CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NV, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WI
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Dairyland
Yes
Yes
custom
AL, AZ, AR, CA, CO, CT, DE, FL, ID, IL, IN, IA, KS, KY, ME, MD, MN, MS, MO, NE, NV, NM, NC, OH, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY
Dairyland offers auto insurance with flexible payment and coverage options for high-risk drivers in 37 states.
Farmers
Yes
No
monthly, custom
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
USAA
Yes
Yes
12 months, 6 months, custom
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.

Compare up to 4 providers

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.

Colorado SR-22 car insurance rates

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.

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.

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 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.

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.

Compare SR-22 coverage

Compare SR-22 car insurance from companies near you.

Call (877) 959-5072

Call toll-free to talk to an SR-22 agent at Freeway Insurance.

Get instant online quotes

Your information is secure.

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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?

    • Avatarfinder 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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