Colorado Non-Owner SR-22 Insurance
As Low As $29/month
Instant Certificate, Same-Day Filing
Colorado Non-Owner SR-22 for Drivers Without a Car
Getting a Colorado license back often takes an SR-22, and you don’t need a car to file one. A non-owner SR-22 policy from MIS Insurance Services gives the DMV what it needs, starting as low as $29 a month. Prices vary with each driver’s record and case.
We are a broker, so we shop specialty insurance companies that accept drivers with a DUI, points or a suspension. Since 2009 we have earned over 3,000 Google reviews and a 4.9-star rating. Send the quote form on this page or call (800) 726-0640 to talk with a licensed agent.
What a Non-Owner SR-22 Is
Colorado treats the SR-22 as a guarantee. Your insurance company promises the DMV that your liability coverage is in force and that it will report if the coverage stops. It is added to a policy. It is not a policy of its own.
For someone without a vehicle, the policy it gets added to is a non-owner policy. That is liability insurance on you as a driver. It applies when you drive a car you don’t own and don’t have regular use of.
Is a Non-Owner SR-22 for You?
The DMV asks for an SR-22 after a DUI or DWAI, a high BAC result, a refused chemical test, too many points, or driving without insurance. Filing it on a non-owner policy works if:
- You have no car and no regular use of one
- The vehicles in your household are not ones you drive
- You are between cars and your SR-22 period is still open
- You want your license reinstated now and plan to buy a car later
- You only drive a borrowed or rented car occasionally
Cost of a Colorado Non-Owner SR-22
A Colorado non-owner SR-22 from MIS starts as low as $29 a month. Prices vary. The offense behind the SR-22, your overall record, your age and your address all affect it.
The filing itself is a small part of the cost. What matters is finding an insurance company willing to write the policy at a fair rate, and that is the part we handle. The DMV’s reinstatement fee is separate and goes to the DMV. Call us or send the form for a price based on your own details.
Coverage Under the Policy
Your non-owner policy pays for harm you cause to others when you drive a car that is not yours. Colorado’s minimum liability limits apply:
- $25,000 for injury or death of one person
- $50,000 for injury or death of two or more people
- $15,000 for property damage
Expect the car owner’s policy to respond first and yours to follow. You can raise your limits above the minimum at any time.
What Is Left Out
Be clear on what a non-owner policy leaves out:
- Your own vehicle, if you buy one
- Vehicles belonging to people you live with
- Any vehicle you drive on a routine basis
- Driving that is part of your job
- Physical damage to the vehicle you are in. This policy does not include collision or comprehensive
If you own a car or drive one routinely, you need a regular auto policy with the SR-22 on it. See Colorado SR-22 insurance, or call us and we will point you to the right one.
How Long Colorado Requires It, by Offense
Colorado sets the period by what happened. According to the DMV:
- A first offense with a BAC of .08 or higher: 9 months, or 3 years if there was an accident or a high BAC
- A DUI or DWAI conviction: 1 to 3 years
- Refusing a chemical test: 1 to 3 years
- More than one offense with a BAC of .08 or higher: 3 years
Your own period is on your DMV paperwork. Confirm the end date with the DMV before you cancel, because canceling early leads to a new suspension.
If Your SR-22 Stops Early
In Colorado, a canceled SR-22 is enough to suspend your license all over again. The insurance company tells the DMV when the SR-22 ends, and the suspension follows for that reason alone. If you are changing insurance companies, the new SR-22 has to reach the DMV before the old one lapses. We handle that timing for you.
Adding a Car Down the Road
When you are ready for a car, we update the policy. The vehicle is added, the coverage becomes a regular auto policy, and the SR-22 carries over so the DMV never sees a gap. Please call before you drive the car home, since a non-owner policy does not cover a vehicle you own.
A change in your living situation counts too. If a new roommate or partner has a car you will be driving, let us know.
How to Get Started in Colorado
- Contact us. Call (800) 726-0640 or submit the quote form on this page.
- We shop the rate. As a broker, we compare specialty insurance companies for your situation.
- Buy your policy. We take all forms of payment, with monthly payment plans.
- Your SR-22 is filed. It goes to the DMV electronically, and we send you a copy.
- Reinstate with the DMV. Pay the reinstatement fee and meet the other conditions in your case.
Reinstating in Colorado
What the DMV requires depends on your case. Along with the SR-22, it can include a reinstatement fee, alcohol education or treatment, and an ignition interlock. Our guide shows how the hearing, interlock, classes and SR-22 fit together after a Colorado DUI. To find a program near you, visit our Colorado DUI services page.
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Colorado Non-Owner SR-22 Questions and Answers
What is non-owner SR-22 insurance?
Non-owner SR-22 insurance is liability coverage for someone without a car, with an SR-22 added so the Colorado DMV knows the coverage is active. You are the one insured, not a vehicle.
How much does non-owner SR-22 insurance cost in Colorado?
From as low as $29 a month at MIS. Prices vary by driver and by offense.
Who needs non-owner SR-22 insurance in Colorado?
People who must file an SR-22 with the Colorado DMV and have no car and no regular use of one. A DUI or DWAI, a refused chemical test or too many points are the usual reasons.
How do I get non-owner SR-22 insurance in Colorado?
Call (800) 726-0640 or submit the quote form on this page. We compare specialty insurance companies, start your policy and file the SR-22 with the DMV.
Can I buy non-owner SR-22 insurance online in Colorado?
You can send your details online through the quote form on this page. A licensed agent follows up to finish the policy and file the SR-22.
What does non-owner SR-22 insurance cover?
Harm you cause to other people when you drive a car that isn’t yours. The limits have to meet Colorado’s minimums of $25,000 per person, $50,000 per accident and $15,000 for property damage.
Can I get an SR-22 in Colorado if I don’t own a car?
Yes. A non-owner policy lets you file the SR-22 the DMV requires with no vehicle on the policy.
How long do I need non-owner SR-22 insurance in Colorado?
Anywhere from 9 months to 3 years, depending on the offense. The DMV sets your dates.
Does non-owner SR-22 insurance reinstate my driver’s license?
It meets the SR-22 requirement. Depending on your case, the DMV can also require a reinstatement fee, alcohol education or treatment and an ignition interlock.
What is the difference between non-owner and regular SR-22 insurance?
The DMV treats them the same. The difference is what is insured: a regular SR-22 policy covers a car you own, and a non-owner policy covers you with no car listed. Non-owner is usually the cheaper of the two. See Colorado SR-22 insurance.
Can I get non-owner SR-22 insurance with a suspended license?
Yes. The policy can be written while your license is suspended, and the SR-22 is typically needed before the DMV will reinstate it.
Does non-owner SR-22 insurance cover rental cars or cars I borrow?
Occasional borrowing is what the policy is for. A car you use regularly, or one owned by someone you live with, is not covered.
Who has the cheapest non-owner SR-22 insurance in Colorado?
No company is cheapest across the board. As a broker we compare specialty insurance companies for your situation. Colorado non-owner SR-22 at MIS starts as low as $29 a month. Prices vary.
What if I cancel my non-owner SR-22 early?
The insurance company reports it and the DMV suspends your license again. Confirm your end date with the DMV first.
Can you switch my SR-22 from another company?
Yes. We file the new SR-22 before the old one ends so there is no gap.
Do I need an ignition interlock too?
Some cases require one. See our guide to the Colorado DUI license steps, or ask the DMV about your case.
Get Help With a Colorado SR-22
Call (800) 726-0640, Monday through Friday, 8am to 6pm Pacific time, which is 9am to 7pm Mountain. Tell us what the DMV sent you and we will take it from there. If you own a vehicle, start with our Colorado SR-22 insurance page.
More than 3,000 customers have reviewed MIS Insurance Services on Google, with an average of 4.9 stars. We are a licensed insurance agency.
Serving All of Colorado
Front Range or Western Slope, we write non-owner SR-22 policies statewide. That includes:
Denver, Colorado Springs, Aurora, Fort Collins, Lakewood, Thornton, Arvada, Westminster, Pueblo, Greeley, Centennial, Boulder, Longmont, Loveland, Grand Junction, Castle Rock, Cortez, and more.
MIS Insurance Services, LLC is licensed in Colorado. Colorado License #782121.