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Colorado SR22 Insurance

Colorado SR22 Insurance

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Colorado SR22 Insurance

Last updated on August 25th, 2018 by

A Colorado SR22 certificate is attached to an auto or non-owner policy and filed with the DMV to reinstate a suspended driver's license.

Colorado SR22 insurance is a certificate that’s filed with the state DMV to reinstate your driver’s license after a suspension. If you own a vehicle, the certificate is endorsed to your auto insurance policy. If you don’t own a vehicle, the certificate is attached to a non-owner insurance policy. Both types of SR22 provide liability-only insurance coverage when you drive your vehicle (or a non-owned vehicle with non-owner policy). In Colorado, another type of SR22 insurance called broad form insurance can be tied to an SR22 certificate.

Colorado SR22 insurance is premium insurance for high risk drivers, so finding the best rate is essential. When you need SR22 insurance to reinstate your driver’s license, count on UltraCar Insurance for low rates and quick submission of your SR22 filing. We work on your behalf, surveying top rated companies for the best owner and non owner SR22 insurance rates. In most cases we can issue and file your Colorado SR22 insurance certificate with the state within 20 minutes.

Colorado minimum liability insurance requirements:

  • $25,000 bodily injury for one person in one accident
  • $50,000 for two or more persons in one accident
  • $15,000 property damage incurred in one accident

What is Colorado SR22 Insurance?

Colorado SR22 Insurance is high risk insurance that’s required for driver’s license reinstatement. There are two types of SR22 Colorado insurance: owner and non owner. Colorado SR22 owner insurance is financial responsibility form (certificate) that’s attached to a driver’s primary auto insurance policy. It is for drivers who have a vehicle registered in their name and want to have their license reinstated. Drivers who do not own a vehicle, but wish to reinstate their suspended or revoked license need to purchase a Colorado SR22 non owner insurance policy. Colorado non owner SR22 insurance is filed in the same way as owner SR22 insurance, but it is a liability-only policy that covers the policyholder when they drive a non owned vehicle on an occasional basis. A non owner SR22 policy acts as secondary insurance to the vehicle owner’s primary insurance. It does not cover household vehicles, rental or commercial vehicles. Non Owner SR22 vs SR22 Insurance explains the difference between these types of SR22 insurance.

Colorado Broad Form Insurance

There is another auto insurance option in Colorado called broad form insurance, which offers very cheap rates, but with VERY minimal liability coverage. It covers you as the operator of one or multiple vehicles (thus it is also called “named driver insurance”), and it’s also available as a non-owner insurance policy. An SR22 insurance certificate can be attached to a Colorado broad form policy for the purpose of license reinstatement. To learn more about the strict coverage limitations of type of policy, see Broad Form Vehicle Insurance and What is Broad Form SR22 Insurance?

Drivers who are required to carry Colorado SR22 insurance must do so without lapse for a period of one to three years. When SR22 insurance is purchased, the insurance company issues and files the SR22 certificate with the Colorado Department of Motor Vehicles. If the policyholder fails to keep their Colorado SR22 insurance in force at all times during the required time period, the insurance company will submit an SR26 filing to the DMV, which results in repeat driver’s license suspension. This is a costly mistake that can result in additional fines up to $500.00 or even jail time.

Colorado DMV

More information about licensing, motor vehicle laws and penalties for moving violations can be found on the Colorado DMV Website.

UltraCar Insurance in Colorado

Whether you need owner or non owner Colorado SR22 insurance, you can count on UltraCar Insurance to find the best rate possible. As soon as we receive your online or phone request, we begin surveying several insurance companies to find the best rate for you. Start your quote now or give us a call today!

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