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Insurance After License Suspension

Whether your license was suspended for DUI, points, lapsed insurance, or unpaid fines, we explain SR-22 filing requirements, non-owner policy options, and reinstatement steps across all 50 states.

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How It Works

Enter your ZIP code and tell us about your suspension type
Get matched with carriers who write policies for suspended license drivers in your state
Choose your coverage and your insurer files any required SR-22 directly with your state DMV

Coverage Options

Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.

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SR-22 InsuranceAn SR-22 is a certificate your insurer files with the state to prove you carry minimum liability coverage. Most states require it for 3 years after DUI, reckless driving, or driving uninsured.

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Non-Owner SR-22If you don't own a vehicle but need to satisfy SR-22 filing to reinstate your license, a non-owner policy provides liability coverage and state certification. Costs typically run $25–$50/month.

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Liability InsuranceLiability coverage pays for injuries and property damage you cause to others. State minimums range from $25,000 to $50,000 per person, but many suspended drivers need higher limits to satisfy reinstatement conditions.

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Uninsured Motorist CoverageThis optional coverage protects you if you're hit by a driver with no insurance. Some states require it as part of SR-22 reinstatement packages, especially after a lapse in coverage.

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Non-Standard Auto InsuranceNon-standard carriers specialize in high-risk drivers, including those with suspensions, DUIs, or multiple violations. Rates run 50–150% higher than standard policies, but many suspended drivers have no other option.

Recent Articles

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7/13/2026Required Colorado Car Insurance CoverageColorado requires 25/50/15 liability minimums, but suspended drivers face SR-22 filing for DUI, uninsured driving, and specific violations.

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7/7/2026Colorado SR-22 Cost BreakdownColorado SR-22 filing costs $15–$50 one-time plus monthly premiums. DUI suspensions pay double standard rates. Compare SR-22 specialists now.

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7/7/2026SR-22 Insurance Cost Colorado SpringsColorado Springs SR-22 runs $85–$210/mo at state minimums. Non-standard carriers file for you, no agent hunt.

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Find a Colorado Policy That Covers Your Filing

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Frequently Asked Questions

How long does SR-22 filing last?

SR-22 filing periods typically last 3 years from the date your insurer files the certificate, not from your conviction or suspension date. Your insurer must notify the state if you cancel coverage during that period, which can restart your suspension.