How Much Does SR-22 Insurance Cost in Colorado?
SR-22 insurance in Colorado can cost as little as about $30 a month or more than $500 a month. The biggest factor is why you need the SR-22. A suspension for unpaid child support is priced very differently from multiple DUIs. Below are the typical monthly ranges we see when we quote Colorado drivers, and what moves your price up or down.
Get My SR-22 Price →Typical Monthly SR-22 Insurance Costs in Colorado
| Your situation | Typical monthly cost |
|---|---|
| Non-owner policy, license issue with no driving violation (unpaid child support, unpaid tickets) | $30 – $80 |
| Owner policy, no driving violation | $50 – $150 |
| Non-owner policy, one DUI or DWAI | $85 – $200 |
| Owner policy, one DUI or DWAI | $100 – $300 |
| At-fault accident without insurance, or too many points | $100 – $500 |
| Multiple DUIs or another serious violation | $200 – $600 |
Important: These ranges are general estimates, not quotes or guaranteed prices. Every insurance company rates differently. Your price depends on the company, where you live in Colorado, your driving record, claims history and other reports insurers review, the vehicle you drive, the coverage you choose, and other underwriting factors. The only way to know your actual price is to get a quote.
Why the Same SR-22 Can Cost $30 or $500 a Month
The SR-22 itself is just a form your insurance company files with the Colorado DMV to show you carry the required liability coverage. What you pay is the cost of the insurance policy behind it, and that depends on:
- The reason for the SR-22. A license issue with no driving violation, such as unpaid child support or unpaid tickets, is usually at the low end. DUIs, DWAIs, uninsured accidents and multiple violations push the price up.
- Owner or non-owner policy. If you don't own a car, a non-owner SR-22 policy is usually the least expensive way to meet the requirement.
- The vehicle you drive. On an owner policy, a car worth a couple thousand dollars usually lands at the lower end of the range. A car worth $30,000 often lands at the higher end, especially if you carry collision and comprehensive coverage.
- Where you live. Rates vary by area within Colorado, including between Colorado Springs, Pueblo and Denver.
- Your record and reports. Your driving record, past claims and other information insurers review all affect your rate.
- The insurance company. Companies weigh these factors differently, so two quotes for the same driver can be far apart.
SR-22 Filing Fee vs. the Insurance Premium
Many people expect the "SR-22" to be the expensive part. It usually isn't. The filing fee is generally a small amount set by each insurance company. The monthly insurance premium is where almost all of the cost is, which is why comparing companies matters more than the filing fee.
How to Keep Your SR-22 Insurance Cost Down
- Compare several insurance companies. As an independent agency, we can quote multiple companies at once instead of just one.
- Use a non-owner policy if you don't own a car. It meets the SR-22 requirement without insuring a vehicle.
- Choose coverage that fits your vehicle. Coverage needs on an older, lower-value car can be different from a newer or financed car.
- Keep the policy active. If your policy cancels or lapses, the insurance company notifies the state, which can lead to another suspension and a more expensive restart.
- Keep your record clean. Rates can improve over time as violations age.
Colorado SR-22 Cost FAQs
How much is SR-22 insurance per month in Colorado?
In the quotes our agency runs, Colorado SR-22 insurance typically ranges from about $30 a month for a non-owner policy with no driving violations to $200–$600 a month for drivers with multiple DUIs or other serious violations. Your price depends on the insurance company, your record, your vehicle and where you live. Request a quote to see your actual price.
Is non-owner SR-22 insurance cheaper than an owner policy in Colorado?
Usually, yes. A non-owner policy doesn't insure a specific vehicle, so it typically costs less than an owner policy for the same driver. It only fits if you don't own a car and don't have regular use of one. Learn more about non-owner SR-22 insurance.
How much is the SR-22 filing fee in Colorado?
The SR-22 filing fee is set by each insurance company and is generally a small part of the total cost. The insurance premium is where most of your cost comes from.
Why is SR-22 insurance more expensive after a DUI in Colorado?
Insurance companies see a DUI or DWAI as a higher risk, so they charge more for the same coverage. In our quotes, one DUI or DWAI typically means about $85–$200 a month on a non-owner policy and $100–$300 on an owner policy. See SR-22 insurance after a DUI or DWAI.
How long will I pay for SR-22 insurance in Colorado?
It depends on why you need the SR-22. The state tells you how long the filing must stay active, and the policy needs to stay in force that whole time. See our Colorado license reinstatement guide and the Colorado Department of Revenue for details.
Find Out What You'll Actually Pay
Answer a few questions and we'll compare SR-22 options from multiple insurance companies for you.
Get My SR-22 Quote →Questions? Call (719) 355-7466 or see our SR-22 FAQ.