Colorado SR-22 Insurance
As Low As $29/month
Instant Certificate, Same-Day Filing
Cheapest Colorado
SR-22 Insurance
Looking for a cheap Colorado SR-22? MIS Insurance can help. Since 2009, we’ve helped drivers in nine western states find affordable auto insurance and obtain the SR-22 filing they need to get back on the road.
Whether your SR-22 is required because of a DUI, driving without insurance, an accident, or another violation, we’ll help you find the right coverage for your situation.
Getting an SR-22 doesn’t have to be complicated. Get your free quote in just 3 minutes, and we’ll explain your options and help you through the process from start to finish.
What is an SR-22 and Why Do I Need It?
An SR-22 is a special insurance proof certificate that must be filed to the Colorado DMV to help you get your license reinstated. The SR-22 is one part of the process to reinstate your license if it was suspended or revoked for specific violations, such as a DUI, driving without insurance, or too many points in a short time.
The SR-22 filing allows the DMV to monitor your insurance status closely. If your SR-22 insurance policy cancels for any reason, the insurance carrier is required to report it to the DMV. If your SR-22 cancels and you are still required to have it, the DMV will suspend your license again, so it is important to keep your SR-22 policy active to keep your license active.
How Do I Get a Colorado SR-22?
MIS Insurance makes the process simple, and you can have your SR-22 in minutes:
- Call to get your free Colorado SR-22 insurance quote
- Choose the coverage that works for you
- Purchase your policy
- Get your SR-22 sent to you instantly and filed with the Colorado DMV the same day
- Complete any remaining DMV reinstatement requirements
We can also help if you don’t own a vehicle. Ask us about Colorado non-owner SR-22 Insurance.
Who Needs an SR-22 in Colorado?
The Colorado DMV requires an SR-22 to reinstate your license after a suspension or revocation for certain driving violations or accidents involving financial responsibility.
You may need a Colorado SR-22 after:
- A DUI or alcohol-related driving offense
- Too many points for too many traffic tickets in a short period of time
- Driving with a high BAC
- Refusing a chemical test
- Driving without insurance
- An accident resulting in a Financial Responsibility Act suspension
- Other serious violations that result in the suspension or revocation of your driving privileges
How Do I Check My Colorado License Status?
If you’re not sure what you need to do to reinstate your Colorado driver’s license, start by checking your status with the Colorado DMV.
Your individual requirements may include an SR-22, reinstatement fees, proof of insurance, an ignition interlock device, treatment requirements, or other documentation.
It’s important to know exactly what the DMV requires before you purchase insurance, especially if you’re trying to get your license reinstated as quickly as possible. Make sure to find out if you are eligible to reinstate your license right away, or if there is a waiting period.
What Are Colorado's State Minimum Auto Insurance Requirements?
Colorado requires drivers to carry minimum liability insurance coverage. The minimum limits are:
- $25,000 for bodily injury or death of one person in an accident
- $50,000 for bodily injury or death of two or more people in an accident
- $15,000 for property damage in an accident
Higher coverage limits are available, as well as other types of coverage, such as comprehensive and collision protection for your car, if you need to get a car covered. If you’re unsure what coverage you need, MIS Insurance can help you determine your options before you purchase a policy.
How Long Do You Need an SR-22 in Colorado?
In Colorado, you generally need to keep an SR-22 for 9 months to 3 years, depending on your offense. Every case is different, so check with the DMV to confirm your exact requirement period. However, keep in mind that the SR-22 requirement period starts on the date you go to the DMV and reinstate your license.
Often drivers assume the SR-22 time period is from the date of the incident, or the conviction, or the date they purchased the SR-22. This is not the case – make sure to check with the DMV to confirm your exact dates. Do not cancel your SR-22 without confirming the end date with the DMV, as this can result in a suspension if you cancel early.
What Happens If Your
Colorado SR-22 Lapses?
Maintaining continuous coverage is one of the most important parts of having an SR-22.
If your Colorado SR-22 insurance is canceled or lapses while you are still required to have the filing, your insurance company notifies the Colorado DMV. This can result in another suspension or additional requirements before you can legally drive again.
That’s why it’s important to:
- Keep your insurance policy active
- Make your premium payments on time
- Avoid letting your policy cancel for non-payment
- Make sure a new SR-22 is filed if you switch insurance companies
It is important to note that if you let your SR-22 lapse while it is still required and you get a traffic ticket while the SR-22 is lapsed, your license can be suspended for a year. Make sure to avoid this by making up any missed payments promptly to avoid lapses in coverage and stay on top of your policy renewal dates to avoid your policy expiring.
Colorado Non-Owner SR-22 Insurance
Don’t own a car? No problem. You can get an SR-22 without a car.
A Colorado non-owner SR-22 policy gives you the state-minimum liability insurance and the SR-22 filing you need if you don’t currently own a vehicle.
Non-owner insurance may be an option if:
- You need an SR-22 to reinstate your license
- You don’t currently own a car, and you don’t have regular access to a car
- You occasionally drive vehicles you don’t own
- You need to maintain your SR-22 requirement while you’re between vehicles
A non-owner policy provides liability coverage when you’re driving a vehicle you don’t own or have regular access to. It does not provide coverage for the vehicle itself.
If you don’t own a vehicle, let us know when you request your quote, and we’ll help you determine if a Colorado non-owner SR-22 policy is right for you.
See our Colorado non-owner SR-22 insurance page for prices and details.
How Much Does a Colorado SR-22 Cost?
The SR-22 filing itself is not expensive, but having a suspended license and an SR-22 requirement limit your eligibility with most standard insurance carriers. And, standard insurance carriers who can cover you usually apply a substantial surcharge for violations like a DUI. However, as a broker, we work with specialty insurance carriers who cater to drivers who have traffic violations, including DUIs, accidents, and suspensions, and need an SR-22, so we can shop for the best rate for your situation.
Cost Factors
licensed driving experience
traffic tickets, suspensions)
populated vs. rural areas)
SR-22 vs. SR-22 car insurance
policy with liability or full coverage)
Call us to discuss your situation, and we’ll shop for the best rate for you with our specialty insurance carriers and get you an exact quote.
How to Reinstate Your Colorado Driver's License
If your Colorado driver’s license has been suspended or revoked, you’ll need to meet the requirements associated with your particular case.
Depending on the reason for your suspension, you may need to:
- Purchase an insurance policy with an SR-22 filing
- Submit the required documentation to the Colorado DMV
- Pay any DMV reinstatement fees
- Complete an alcohol or drug education or treatment program, if required
- Install and maintain an ignition interlock device, if required
- Complete any other requirements listed by the Colorado DMV
Reinstatement requirements vary for a DUI, an insurance-related suspension, an accident, or another violation. Check with the Colorado DMV to see your specific reinstatement requirements
Colorado SR-22 Questions and Answers
What is an SR-22?
An SR-22 is a guarantee from your insurance company to the Colorado DMV that your liability coverage is active, and that it will report if the coverage stops. It is added to an insurance policy. It is not insurance by itself.
How much does SR-22 insurance cost in Colorado?
As low as $29 a month at MIS. Prices vary with your driving record, why you need the SR-22 and whether you own a car.
How long do I need an SR-22 in Colorado?
From 9 months to 3 years, depending on the offense. Confirm your exact dates with the DMV.
How do I get an SR-22?
Start with a call to MIS at (800) 726-0640, or use the quote form on this page. As a broker, we shop several insurance companies, set up your policy and file the SR-22 with the DMV electronically.
How fast can I get my SR-22?
Your agent sends your SR-22 before you hang up.
Why do I need an SR-22?
Colorado requires it to reinstate after a DUI or DWAI, a high BAC result, a refused chemical test, too many points or driving uninsured. Your DMV paperwork lists it if you need one.
Do I need an SR-22 to get my license back?
If the DMV lists it as a requirement, yes, along with the reinstatement fee and anything else in your case. See how the hearing, interlock, classes and SR-22 fit together after a Colorado DUI.
Do I need an SR-22 and regular insurance?
You need one policy with the SR-22 added to it. Own a car, and that policy is regular auto insurance. No car, and it is a non-owner policy.
Can I get an SR-22 if I don’t own a car?
Yes. A non-owner policy carries the SR-22 with no vehicle on it. See Colorado non-owner SR-22 insurance.
Can I get an SR-22 without a license?
In most cases, yes. A suspended license does not prevent the policy, and the DMV typically needs the SR-22 before it will reinstate you.
Does SR-22 insurance cover any car I drive?
No. Coverage depends on the policy the SR-22 is attached to. An auto policy covers the cars listed on it, and a non-owner policy covers you only when you occasionally drive a car that isn’t yours or your household’s. See what an SR-22 policy covers.
Who has the cheapest SR-22 insurance?
No company is cheapest for every driver. We compare specialty insurance companies to find your best rate. Colorado SR-22 insurance at MIS starts as low as $29 a month. Prices vary.
What happens if my SR-22 lapses?
Your insurance company notifies the DMV, and your license is suspended again.
How do I know when I no longer need my SR-22?
The DMV sets the end date, and it is on your reinstatement paperwork. Confirm it with the DMV before you cancel, because canceling early leads to a new suspension.
Can I switch insurance companies while I have an SR-22?
Yes, as long as the new company’s SR-22 reaches the DMV before the old one ends.
Is an FR-44 the same as an SR-22?
No. The FR-44 belongs to Florida and Virginia and requires higher limits. In Colorado the form is the SR-22.
Need Affordable Colorado SR-22 Insurance?
MIS Insurance can set you up with affordable Colorado auto insurance and handle the SR-22 filing process. Whether you own a vehicle or need a non-owner SR-22, we’ll explain your options and help you get the coverage you need.
Get Cheap SR-22 Insurance Throughout Colorado
MIS Insurance helps drivers looking for affordable SR-22 insurance throughout Colorado, including:
Denver, Colorado Springs, Aurora, Fort Collins, Lakewood, Thornton, Arvada, Westminster, Pueblo, Centennial, Boulder, Greeley, Longmont, Loveland, Grand Junction, Broomfield, Castle Rock, Commerce City, Northglenn, Parker, Littleton, Brighton, Englewood, Wheat Ridge, Lafayette, Erie, Windsor, and surrounding areas.