How to Get Non-Owner SR-22 Insurance in Colorado
A non-owner SR-22 policy is a fairly easy option if you need an SR-22 but don’t own a car in Colorado.
Written by Amber Reed
Reviewed by Hillary Kobayashi
If you’re a
Colorado
resident who needs an SR-22 but you don’t own a car, then non-owner SR-22 coverage
is the easiest option for you. Not every insurance provider offers it, however.Like just about every other state in the US, Colorado requires that all drivers purchase a minimum amount of car insurance in order to be on the road. For most drivers, you’ll only need to provide proof of insurance if you’re pulled over, involved in an accident, or renewing your registration. But if you’re considered a high-risk driver, then you might be required to provide more vigorous proof than others.
In some cases, drivers with suspended licenses or who have been convicted of serious violations are required to file an SR-22 certificate with the Colorado Division of Motor Vehicles (DMV) to prove that they have the required
car insurance
policy. If you don't have the car, a non-owner SR-22 policy may be the answer.What is SR-22 insurance?
Although it’s often referred to as “SR-22 insurance,” it really isn't insurance at all! An
SR-22
is an official certificate of financial responsibility that your insurance provider files with the Colorado DMV.Essentially, it serves as confirmation that you have car insurance that meets
Colorado’s minimum liability limits
. It’s often a requirement for drivers who are attempting to get their license reinstated or for drivers who have been convicted of certain high-risk traffic violations.RECOMMENDED
Compare auto insurance policies
No spam or unwanted phone calls · No long forms
Colorado auto insurance requirements
Colorado’s minimum car insurance laws mandate that all drivers registered in Colorado have a car insurance policy with at least the following minimum amounts:
- Bodily injury liability coverage:$25,000 per person/$50,000 per accident
Colorado is a state that only requires liability coverage, so this is all you will need to have to get an SR-22 certificate. However, additional policies, like
collison
, comprehensive
, and uninsured motorist coverage
, are wise investments.Who needs an SR-22?
A driver who has had their
license suspended
for any reason is often required to file an SR-22 as one of the criteria for getting it reinstated. Additionally, a driver who has committed certain traffic violations is also required to get an SR-22 in Colorado
.Here are a few situations where you might be required to get an SR-22 certificate in the Centennial State:
This is not an exhaustive list, and there may be other reasons why you might need to get an SR-22. Although the fee to get the certificate itself is typically less than $50, you can expect the cost of your insurance policy to be considerably higher.
How to get non-owner SR-22 insurance in Colorado
If you don’t own a car,
non-owner car insurance
is generally less expensive than traditional insurance coverage. Most providers offer non-owner policies, but not every insurer will deal with SR-22s. But don’t despair! Most of the larger providers, like State Farm
, GEICO
, and Allstate
, offer SR-22 insurance in Colorado, so you’ve got plenty of options.Here’s how to get SR-22 insurance in Colorado:
- Contact local insurance agencies to determine if they offer non-owner policies and also work with SR-22 certificates.
- Shop around and get a minimum of three to five quotes before purchasing a policy. No matter what your driving record is,comparing car insurance quotescan save you a surprising amount of money.
- Don’t forget to check for discounts! Many insurance providers will lower your premium if you do certain things, like complete an approveddefensive driving course, keep good grades, orpay your premium in full.
Generally, you’ll need to keep your SR-22 for a period of three years. But this can vary depending on the offense, so make sure you know the specifics of your requirement. And once you no longer need to keep an SR-22, don’t let your insurance coverage lapse—unless you’re not planning on driving at all.
"Jerrywas a great service and very easy to work with. I’m confident I will use them again for my upcoming new car purchase.” —Wells O.
RECOMMENDED
Saved $725 annuallySaved $834 annuallySaved $668 annually
Haven’t shopped for insurance in the last six months? There might be hundreds $$$ in savings waiting for you.
Judith switched to Progressive
Saved $725 annually
Alexander switched to Travelers
Saved $834 annually
Annie switched to Nationwide
Saved $668 annuallyCheck if you are overpaying for car insurance.
No phone calls. No long forms. Quotes from 50+ insurance companies.
Find insurance savings
4.7/5 Rating on App Store
Can anyone get an SR-22 in Colorado?
Typically, only drivers who have had their licenses suspended or who have been found guilty of certain violations are required to get an SR-22. Certain violations, like a ticket for failure to yield or a minor speeding offense, might have an effect on your car insurance rate, but they aren’t likely to result in an SR-22 requirement.
How long does an SR-22 last in Colorado?
In most cases, you’ll be required to keep your SR-22 for a period of three years. Make sure that you remember to renew it on time, as letting it lapse will increase the amount of time that you’ll have to keep it!
4.7
