Colorado SR-22 FAQs
Clear Answers to Common Questions about SR-22 Insurance in Colorado
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General SR-22 Questions
Basics about SR-22 insurance and how it works.
What is an SR-22 in Colorado?
An SR-22 is a certificate your insurance company files with the Colorado Division of Motor Vehicles (DMV) to prove you carry at least Colorado's minimum auto liability coverage: $25,000 per person and $50,000 per accident for bodily injury, plus $15,000 for property damage. Learn more about SR-22 insurance throughout Colorado.
Is an SR-22 the same as car insurance?
No. An SR-22 is not an insurance policy. It is proof, filed by your insurance company, that your auto policy meets Colorado's required liability limits.
Why would I need an SR-22 in Colorado?
The Colorado DMV usually requires an SR-22 after a DUI or DWAI, driving without insurance, a license suspension or revocation, or too many points on your record. Your DMV notice will tell you whether you need one. See SR-22 after a DUI or DWAI.
How much does SR-22 insurance cost in Colorado?
The SR-22 filing fee is usually small. Most of the cost is the auto policy itself, which depends on your driving record, the reason you need the SR-22, your age, vehicle, ZIP code and insurance company. We compare multiple companies to help you find a competitive rate. Get a Colorado SR-22 quote.
Colorado Filing & Reinstatement
Questions about filing, maintaining coverage, and getting your license back.
How quickly can an SR-22 be filed in Colorado?
Once your policy is in place, the insurance company can file the SR-22 with the Colorado DMV, often electronically. DMV processing times vary, so don't assume your license is reinstated until the Colorado DMV confirms it.
How long do I need an SR-22 in Colorado?
It depends on why you need it. Many Colorado drivers must keep continuous SR-22 coverage for 3 years, but some situations have different requirements. Confirm your exact period with the Colorado DMV.
Does filing an SR-22 automatically reinstate my Colorado driver's license?
No. The SR-22 is often only one step. You may also have DMV fees, documents or other requirements before your driving privileges are restored. Read our guide to SR-22 for license reinstatement in Colorado.
What happens if my SR-22 insurance is canceled in Colorado?
If your policy cancels or lapses while an SR-22 is still required, your insurance company must notify the Colorado DMV, and your license can be suspended again. Keep coverage continuous for the full period, and contact us right away if you get a cancellation notice.
Non-Owner SR-22
Answers for drivers who need SR-22 coverage but don’t own a car.
Can I get an SR-22 in Colorado if I don't own a car?
Yes. If you don't own a vehicle, you can buy a non-owner liability policy that includes the required SR-22 filing. It usually costs less than a standard auto policy. See non-owner SR-22 insurance in Colorado.
Can I drive someone else's car with a non-owner SR-22 policy?
A non-owner policy may provide liability coverage when you occasionally drive a vehicle you don't own. Coverage varies by policy and insurance company, so review your coverage before driving another vehicle.
What happens if I buy a car while I have a non-owner SR-22?
Contact your insurance agent before you drive the vehicle. You will generally need an auto policy that covers the car while keeping your SR-22 filing active without a gap.
DUI / DWAI Questions
Information for drivers with a DUI, DWAI, or other serious driving offenses.
Can I get car insurance after a DUI or DWAI in Colorado?
Yes. Insurance is still available after a DUI or DWAI, although your rates and the companies willing to insure you may change. We compare options for drivers statewide, including Denver, Colorado Springs and Pueblo.
Will I need an SR-22 after a DUI or DWAI in Colorado?
In most cases, yes. Colorado typically requires an SR-22 before your license can be reinstated after a DUI or DWAI, depending on the offense, your driving history and your DMV requirements. Learn more about SR-22 insurance after a DUI or DWAI.
How does license reinstatement work in Colorado?
It depends on why your license was suspended or revoked. You may need an SR-22 plus other documents, fees or requirements, and the Colorado DMV must confirm everything is complete before your driving privileges are restored. See Colorado license reinstatement with an SR-22.
Will an SR-22 stay on my record forever?
No. An SR-22 is required for a set period, often 3 years in Colorado. Once your required period ends without a lapse, the filing is no longer needed. Check with the DMV or with us before canceling.
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