Colorado SR-22 Auto Insurance
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SR-22 Insurance — Colorado

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

Minimum Coverage Requirements in Colorado

Colorado operates under a tort-based liability system, meaning the at-fault driver's insurance pays for damages. The state requires proof of financial responsibility under Colorado Revised Statutes §10-4-705, enforced through electronic verification. Drivers reinstating after suspension must provide SR-22 filing directly from their insurance carrier to the Colorado Division of Motor Vehicles.

Bodily Injury Liability

Covers medical expenses, lost wages, and legal costs when you injure someone in an accident. Suspended drivers reinstating with SR-22 often need higher limits to qualify with non-standard carriers.

Property Damage Liability

Pays for vehicle and property damage you cause. Many SR-22 carriers in Colorado require 50/100/50 minimums as a condition of acceptance.

SR-22 Certificate of Financial Responsibility

SR-22 is not insurance — it's a state filing that proves you maintain continuous coverage. Colorado requires it after DUI, reckless driving, driving uninsured, or accumulating excessive points. Your carrier files SR-22 electronically with the DMV. If your policy lapses even one day, the carrier notifies the DMV and your license is re-suspended.

Uninsured/Underinsured Motorist Coverage

Covers your medical bills and vehicle damage when hit by an uninsured driver. Colorado law requires carriers to offer UM/UIM at limits matching your liability coverage. You must sign a written waiver to decline — verbal rejection doesn't count.

What Drivers Pay in Colorado

$301–$481/mo

Typical monthly rate in Colorado, high-risk drivers after a DUI

Rate data: ValuePenguin and Insurify, 2026

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If 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 after a DUI?

Colorado typically requires SR-22 filing for 3 years after DUI reinstatement, measured from the date you reinstate your license, not the conviction date. If your policy lapses during this period, the 3-year clock resets from the date you refile. Multiple DUIs or refusal to test may extend the filing period to 5 years under Colorado Revised Statutes §42-7-403.

Can I get a hardship license in Colorado while suspended?

Colorado offers a probationary license for some suspensions, allowing limited driving to work, school, medical appointments, or court-ordered programs. Eligibility depends on suspension type — DUI suspensions require completion of Level II alcohol education and ignition interlock installation before probationary privileges are granted. You must maintain SR-22 filing throughout the probationary period.

Which insurance companies offer SR-22 in Colorado?

Non-standard carriers like Progressive, The General, Bristol West, Acceptance Insurance, and Dairyland write SR-22 policies in Colorado. Standard carriers like State Farm and Allstate typically won't write new policies for suspended drivers but may retain existing customers if you had coverage before suspension. Non-owner SR-22 policies are available through most non-standard carriers statewide.

Do I need SR-22 to reinstate my Colorado license after point suspension?

Yes, if you accumulated 12 or more points in 12 months or were suspended for driving uninsured. Colorado requires SR-22 filing as proof of financial responsibility before reinstatement. The filing period is typically 3 years. Point suspensions without DUI or uninsured driving may not require SR-22 — check your DMV reinstatement letter for specific requirements.

Coverage Types

SR-22 Insurance

State-mandated proof-of-insurance filing required after license suspension. Filed electronically by your carrier with the Colorado DMV.

Non-Owner SR-22

Liability coverage for drivers who don't own a vehicle but need SR-22 to reinstate their license. Covers you when driving borrowed or rental vehicles.

High-Risk Auto Insurance

Coverage for drivers with DUI, multiple violations, lapses, or suspended license history. Written by non-standard carriers specializing in high-risk profiles.

Uninsured Motorist Coverage

Covers your medical bills and vehicle damage when hit by a driver with no insurance or insufficient coverage.

Liability Insurance

Pays for injuries and property damage you cause to others. Required by law in Colorado. Does not cover your own vehicle or medical bills.

Find Your City in Colorado

Denver

urban

Colorado Springs

urban

Aurora

suburban

Fort Collins

suburban

Lakewood

suburban

Westminster

suburban

Pueblo

urban

Centennial

suburban