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

Colorado requires 25/50/15 minimum liability coverage. Suspended drivers need SR-22 filing to satisfy reinstatement conditions after DUI, excessive points, or uninsured driving violations. Average monthly premium: $140–$220 with SR-22.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated June 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.

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$25,000 per person / $50,000 per accident
Bodily Injury Liability
Covers medical expenses, lost wages, and legal costs when you injure someone in an accident. Colorado's 25/50 minimum is low — one hospitalization from a serious accident can exceed $100,000. Suspended drivers reinstating with SR-22 often need higher limits to qualify with non-standard carriers.
$15,000 per accident
Property Damage Liability
Pays for vehicle and property damage you cause. Colorado's $15,000 minimum covers basic collisions but falls short in multi-vehicle accidents or damage to commercial vehicles. Many SR-22 carriers in Colorado require 50/100/50 minimums as a condition of acceptance.
Continuous filing for suspension period
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.
Must be offered; waiver required to decline
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. Approximately 13% of Colorado drivers are uninsured, concentrated in urban corridors.
State-Mandated Minimum Coverage · Colorado

Colorado Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$15,000

License Reinstatement Fee$95

Meeting the state minimum keeps you legal. See whether it's enough — get your Colorado quote.

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How Much Does Car Insurance Cost in Colorado?

Colorado SR-22 rates reflect violation severity, time since suspension, and whether you own a vehicle. Denver metro drivers typically pay 15–20% more than rural counties due to claim frequency and uninsured motorist density.

What Affects Your Rate

  • DUI violations increase premiums 80–150% in Colorado for three years after conviction
  • Denver and Aurora zip codes add $30–$50/month compared to Fort Collins or Colorado Springs due to higher uninsured motorist rates
  • Drivers under 25 with SR-22 requirements pay approximately $200–$280/month even at state minimums
  • Non-owner SR-22 policies cost $40–$70/month for liability-only coverage without a vehicle
  • Each at-fault accident in the prior three years adds 25–40% to SR-22 base rates in Colorado
Minimum Coverage
$140–$180/mo
State-minimum 25/50/15 liability with SR-22 filing. Available through non-standard carriers for drivers with single DUI or point suspensions. No physical damage coverage.
Standard Coverage
$180–$240/mo
50/100/50 liability plus uninsured motorist coverage with SR-22. Required by many Colorado carriers for drivers with multiple violations or license reinstatement after longer suspensions.
Full Coverage
$240–$350/mo
Comprehensive and collision added to liability package. Necessary for financed vehicles or drivers reinstating after DUI with vehicle ownership. Deductibles typically $1,000 minimum for SR-22 profiles.

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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, Colorado cityscape and street view

Denver

urban
Colorado Springs, Colorado cityscape and street view

Colorado Springs

urban
Aurora, Colorado cityscape and street view

Aurora

suburban
Fort Collins, Colorado cityscape and street view

Fort Collins

suburban
Lakewood, Colorado cityscape and street view

Lakewood

suburban
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Westminster

suburban
Aerial view of city skyline with downtown skyscrapers surrounded by residential neighborhoods and mountains

Pueblo

urban
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Centennial

suburban

Frequently Asked Questions

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