Colorado SR-22 & High-Risk Auto Insurance
Colorado requires 25/50/15 liability coverage and is an at-fault state.
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Colorado at a Glance
25/50/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$95
State license reinstatement fee, about 20 days to process
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Drivers with DUI convictions, multiple violations, at-fault accidents while uninsured, or license suspensions must file SR-22 proof of financial responsibility for 3 years. Colorado does not accept electronic-only proof of insurance for SR-22 purposes—your carrier must file directly with the Division of Motor Vehicles. Violations during the SR-22 period reset the 3-year clock.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Non-Standard Auto Insurance
Full Coverage (Comprehensive + Collision)
Cost Overview
$42/mo
Typical monthly rate in Colorado, non-owner policies
Rate data: Insure.com, 2026
What Affects Your Rate
- SR-22 filing requirement: Signals high risk to insurers even beyond the direct filing fee
- Time since violation: Rates drop as violations age off; DUIs remain on record for 10 years in Colorado but impact premiums most heavily in the first 3–5 years
- Location: Denver, Aurora, and Colorado Springs see higher rates due to theft, vandalism, and uninsured driver rates compared to rural counties
- Prior lapses: Coverage gaps longer than 30 days increase rates and limit carrier options
- Age and gender: Young male drivers with violations pay the highest premiums; rates moderate after age 25
Stay Covered While You Drive Borrowed Cars
Find Coverage After ViolationsIf your license is suspended
Probationary Driver License (Red License)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 in Colorado?
Colorado requires SR-22 filing for 3 years from the date of filing or license reinstatement, whichever is later. If your policy lapses during this period, the DMV suspends your license immediately and the 3-year requirement resets from the date you file a new SR-22. Additional violations during the SR-22 period also restart the clock.
Do I need SR-22 for a suspended license in Colorado?
Yes, in most cases. Colorado requires SR-22 filing to reinstate a license suspended for point accumulation, DUI, reckless driving, driving without insurance, or habitual offender status. You must maintain the SR-22 for 3 years after reinstatement. The DMV will provide specific reinstatement requirements based on the reason for suspension.
Which insurance companies offer SR-22 in Colorado?
Non-standard carriers that commonly offer SR-22 filing in Colorado include The General, Bristol West, Acceptance Insurance, Dairyland, National General, and Progressive. Standard carriers like State Farm and Allstate may offer SR-22 for existing customers but often decline new applicants with recent violations. Non-standard insurers specialize in high-risk profiles and accept drivers other companies reject.
Coverage Types
SR-22 Insurance
Certificate filed by your insurer proving you carry Colorado's minimum liability coverage. Required for 3 years after DUI, suspension, or uninsured driving violation.
Liability Insurance
Covers injuries and property damage you cause to others. Colorado requires 25/50/15 minimums, but high-risk drivers should consider higher limits to avoid personal liability.
Uninsured Motorist Coverage
Pays for your injuries if you are hit by a driver without insurance. Optional in Colorado but protects you from out-of-pocket costs if an uninsured driver causes an accident.
Non-Standard Auto Insurance
Policies from carriers specializing in high-risk drivers. Available after DUI, suspension, or when preferred insurers decline coverage.
Comprehensive Coverage
Covers non-collision damage to your vehicle: theft, hail, vandalism, animal strikes. Required by lenders but optional for drivers who own vehicles outright.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident. Required for financed vehicles; optional otherwise.