Non-Standard Auto Insurance — Colorado
Non-standard auto insurance is coverage for drivers who can't qualify for standard policies due to suspended licenses, DUIs, multiple violations, or lapses in coverage.
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What Is Non-Standard Auto Insurance?
Non-standard auto insurance covers the same risks as standard policies—liability, collision, comprehensive—but accepts drivers standard carriers reject. You pay higher premiums because the carrier assumes more risk insuring drivers with violations, suspensions, or gaps in coverage history. Most non-standard carriers specialize in SR-22 filings and work directly with state DMVs to satisfy reinstatement requirements. The coverage itself functions identically to standard policies once active.
Who Needs Non-Standard Auto Insurance?
You need non-standard insurance if standard carriers have canceled or refused to renew your policy due to violations, if the Colorado DMV requires SR-22 filing as a reinstatement condition, or if you've had a coverage lapse longer than 30 days and can't get quotes from preferred carriers. Drivers without a vehicle who need to maintain SR-22 status during suspension should get non-owner policies rather than standard policies, as standard carriers rarely offer non-owner options.
Check your DMV reinstatement letter to confirm whether SR-22 is required and for how long. If SR-22 is mandatory, start with non-standard carriers who specialize in same-day filing—standard carriers either don't offer it or charge nearly the same as non-standard for high-risk drivers.
How Much Does Non-Standard Auto Insurance Cost?
- Coverage gap length—lapses over six months signal higher risk and can double your quoted rate
- Required coverage level—Colorado minimums (25/50/15) cost significantly less than 100/300/100 limits many drivers choose for better protection
- Vehicle age and value—older vehicles with liability-only coverage cost far less than newer vehicles requiring full coverage for loans
