An SR-22 isn’t insurance—it’s a state-required certificate proving you carry minimum liability coverage after serious violations like DUIs or driving uninsured. Colorado mandates SR-22s for high-risk drivers, and failing to file one can lead to license suspension.
In this guide, we’ll explain:
✔ What an SR-22 is (and isn’t)
✔ Who needs one in Colorado
✔ Cheapest SR-22 insurance providers
✔ How long you’ll need to file
What Is an SR-22 in Colorado?
An SR-22 (also called a Certificate of Financial Responsibility) is a document your insurer files with the state to verify you have minimum liability coverage.
Key Facts:
- Not an insurance policy – Just proof you’re insured.
- Required for 3 years in most cases (longer for repeat offenses).
- Costs $15-$50 to file (plus higher premiums).
Who Needs an SR-22 in Colorado?
You’ll typically need an SR-22 if you’ve been convicted of:
- DUI/DWI (alcohol or drugs)
- Driving without insurance
- Multiple at-fault accidents
- License suspension/revocation
- Serious traffic violations (e.g., reckless driving)
Note: If you move out of Colorado, you may still need to file an SR-22 until your term ends.
Top 5 Cheap SR-22 Insurance Providers in Colorado
| Company | Best For | Average Annual Cost |
|---|---|---|
| Progressive | DUI drivers | $1,800-$3,000 |
| The General | Lowest upfront costs | $1,500-$2,800 |
| Dairyland | High-risk specialists | $1,700-$3,200 |
| GEICO | Bundling discounts | $1,600-$2,900 |
| State Farm | Local agent support | $2,000-$3,500 |
How to Save on SR-22 Insurance:
- Compare multiple quotes (rates vary widely).
- Take a defensive driving course (may reduce premiums).
- Avoid lapses in coverage (triggers restart of 3-year SR-22 term).
How to File an SR-22 in Colorado
- Contact an insurer that offers SR-22 filings (not all do).
- Purchase a policy meeting Colorado’s 25/50/15 minimums.
- Pay the filing fee ($15-$50).
- Insurer submits SR-22 electronically to the Colorado DMV.
- Wait for confirmation (usually 1-3 business days).
⚠️ Warning: Letting your policy lapse automatically suspends your license.
How Long Do You Need an SR-22 in Colorado?
- First-time DUI: 3 years
- Driving without insurance: 3 years
- Repeat offenses: 5+ years
Tip: After your term ends, request written confirmation from the DMV.
FAQs About SR-22 Insurance in Colorado
Q: Can I get an SR-22 without a car?
A: Yes! A non-owner SR-22 policy covers you when driving borrowed/rental cars.
Q: Does an SR-22 increase my insurance rates?
A: Yes—expect premiums 2-3x higher than standard insurance.
Q: Can I switch insurers during my SR-22 term?
A: Yes, but your new insurer must re-file the SR-22.
Q: What happens if I don’t file an SR-22?
A: Your license remains suspended, and you could face fines or jail time.
Final Verdict: Navigating SR-22 Requirements in Colorado
An SR-22 is a non-negotiable requirement for high-risk drivers, but shopping around can save you thousands. Progressive and The General offer the most affordable options for most drivers.
🚀 Need an SR-22 Fast? Compare Colorado Quotes Instantly!