Colorado SR22 Insurance

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Reinstate your Colorado driver's license easily.

AAMVA Uniform Financial Responsibility Form for Colorado SR22 insurance, featuring UltraCar Insurance branding, indicating a non-owner policy.

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 you file with the state DOR to reinstate your driver’s license after a suspension. If you own a vehicle, the certificate is an endorsement to your auto insurance policy. If you don’t own a vehicle, the certificate attaches 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 a non-owner policy). In Colorado, another type of SR22 insurance, Broad Form Insurance, can also serve as an SR22 policy.

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 SR22 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 the state requires for driver’s license reinstatement. There are two types of SR22 insurance in Colorado: owner and non-owner. Colorado SR22 owner insurance is a financial responsibility form (certificate) that’s attached to a driver’s primary auto insurance policy. It is for drivers with a vehicle registered in their name who want to have their license reinstated.

Drivers who do not own a vehicle but wish to reinstate their suspended licenses will need a Colorado SR22 non-owner insurance policy. You file a Colorado non owner SR22 insurance certificate the same way as an owner SR22 certificate. Still, 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.

How long do I need to keep high-risk insurance?

Drivers need to carry Colorado SR22 insurance without a lapse for 1 to 3 years. When you buy SR22 insurance, the insurance provider issues and files the certificate with the Colorado Department of Revenue (DOR) Driver Services. If you fail to keep this policy in force for the entire time, your agent must submit an SR26 filing to the DMV, resulting in another license suspension. Letting your policy lapse is a costly mistake that can result in additional fines up to $500.00 or even jail time.

Colorado Broad Form Insurance

Another auto insurance option available in Colorado is Broad Form Insurance. This type of insurance offers very cheap rates, but with VERY minimal liability coverage. Broad form insurance (named driver insurance) covers only you, the owner-operator of one or more vehicles. If you don’t own a vehicle, you can get a non-owner’s broad form insurance policy. For license reinstatement, an insurance provider can attach an SR22 certificate to a Colorado broad form policy. To learn more about the strict coverage limitations of this type of policy, see Broad Form Vehicle Insurance and What is Broad Form SR22 Insurance?

Colorado DOR

The Colorado Department of Revenue website (Division of Motor Vehicles) has answers to many questions about driver records, license suspensions, and reinstatement. frequently asked questions about license reinstatement.

UltraCar Insurance in Colorado

Whether you need owner or non-owner Colorado SR22 insurance, you can count on UltraCar Insurance to find the best possible rate. 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!

This article was last updated on June 19th, 2026 by

Frequently Asked Questions About Colorado SR22 Insurance

Colorado drivers often have questions about SR22 insurance requirements, license reinstatement, filing periods, costs, and maintaining compliance with the Colorado DMV. The answers below address some of the most common questions related to Colorado SR22 filings and can help you avoid costly mistakes during the reinstatement process.

SR22 insurance is a certificate of financial responsibility that an insurance company files with the Colorado DMV. The filing confirms that you maintain the minimum liability insurance required by the state. An SR22 is not a separate insurance policy. Instead, it is attached to an existing auto insurance policy or non-owner insurance policy.

Colorado may require an SR22 filing after certain violations, including DUI or DWAI convictions, driving without insurance, excessive license points, serious traffic violations, or license suspensions.

The Colorado SR22 reinstatement process generally involves several steps. Drivers must purchase an SR22-compliant insurance policy, have the insurance company file the SR22 with the Colorado DMV, pay any required reinstatement fees, and complete any court or DMV requirements.

Once the DMV receives the SR22 filing and all reinstatement requirements have been satisfied, driving privileges may be restored.

Related Resource: Learn more about Colorado SR22 license reinstatement requirements at:
Colorado SR22 License Reinstatement Requirements

In most cases, Colorado drivers must maintain SR22 insurance for approximately three years. The exact filing period depends on the original violation and Colorado DMV requirements.

Maintaining continuous coverage throughout the filing period is critical. If the policy lapses before the requirement ends, Colorado may suspend your license again and require additional compliance measures.

Related Resource: Learn more about Colorado SR22 filing periods at:
How Long Do You Need SR22 Insurance in Colorado?

If an SR22 insurance policy lapses or is canceled, the insurance company typically files an SR26 form with the Colorado DMV. This filing notifies the state that the required coverage is no longer active.

A lapse may result in another license suspension, additional reinstatement fees, higher insurance premiums, and an extension or restart of the SR22 filing period. Even a short lapse can create significant delays in the reinstatement process.

Related Resource: Learn more about what happens when a Colorado SR22 insurance policy lapses at:
What Happens If Your Colorado SR22 Insurance Policy Lapses?

Yes. Colorado may restart the SR22 compliance period if coverage lapses before the filing requirement is complete. Common causes include missed insurance payments, policy cancellations, expired payment methods, switching insurance companies incorrectly, or removing the SR22 filing too early.

Maintaining uninterrupted coverage until the DMV officially releases the SR22 requirement is essential.

Yes. Colorado drivers who do not own a vehicle may qualify for a non-owner SR22 insurance policy. These policies are commonly used by drivers who need license reinstatement but do not currently own a car.

Non-owner SR22 insurance provides liability coverage when driving a borrowed vehicle occasionally but does not insure a specific vehicle.

Related Resource: Learn more about Colorado non-owner SR22 insurance at:
Colorado Non-Owner SR22 Insurance

The SR22 filing itself is generally inexpensive. However, the underlying insurance policy may cost more because drivers with SR22 requirements are considered high-risk.

Several factors affect Colorado SR22 insurance rates, including DUI or DWAI convictions, driving history, prior suspensions, vehicle type, age, driving experience, and any previous lapses in coverage.

Related Resource: Learn more about factors that affect Colorado SR22 insurance costs at:
Understanding Colorado SR22 Insurance Costs Today

Colorado drivers carrying an SR22 filing must maintain at least the state’s minimum liability coverage requirements:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Failure to maintain the required liability coverage can result in additional penalties and license suspension.

No. Colorado uses SR22 filings rather than FR44 filings.

FR44 insurance is only required in Florida and Virginia and generally carries higher liability coverage requirements for alcohol-related driving offenses such as DUI convictions.

Related Resource: Learn more about FR44 insurance requirements at:
What Is FR44 Insurance?

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