need to file with the state to get back on the road. It’s not an insurance policy, although many people call it "SR-22 insurance."
Your insurance company must provide the SR-22 certificate to the Colorado Division of Motor Vehicles (DMV) once they have agreed to insure you. The form proves that you have the insurance that at least meets
An SR-22 car insurance policy has to be maintained for a minimum period of 36 months in Colorado, but the exact period of time you’re required to keep it will be specific by the Colorado DMV. If you do not renew it at least 15 days before the expiration date, the state will be notified.
Key Takeaway: An SR-22 is a form that proves you have minimum liability insurance, and you may need it following a driver’s license suspension or revocation due to a high-risk violation like a DUI.
How to know if you need SR-22 insurance in Colorado
Drivers who commit serious traffic violations, such as
or reckless driving may be required to fill out an SR-22 form to ensure that they meet the minimum auto insurance requirements following license suspension.
You should be notified when you need an SR-22 when your driver’s license is suspended or revoked. To have your driving privilege reinstated, you will need this form to regain your license.
MORE: Is the car insurance company required to notify me if I need an SR-22?
How to get Colorado SR-22 insurance
Call your insurance company and inform them that you need SR-22 insurance and they will file the form.
Search for insurance quotes from providers who offer SR-22 insurance to find an insurance company that will file an SR-22.
In most cases, the auto insurance company will need to fill out and file the form on your behalf. Note that a summary or other proof of insurance will not suffice—you must have the official SR-22 certificate.
Keep in mind: It's possible that your existing insurance carrier won’t be able to meet your insurance needs. Some companies are reluctant to offer even minimum liability coverage high-risk drivers, and you may need to shop around.
is a good option for people who need insurance but don’t have their own vehicle. It could save you money and help you avoid increases in insurance rates due to a lapse in coverage.
How an SR-22 impacts your auto insurance in Colorado
If you have to file an SR-22 in Colorado, it signifies that you are a high-risk driver, and as a result, you can expect to pay a higher premium than a driver who has a clean record.
The exact figure is difficult to determine and depends on the severity of the incident that resulted in a suspended license, as well as the strength of your driving record.
You will also be limited in your choice of insurers, as some companies will not insure SR-22 drivers. Those who do may not offer full-coverage policies, and/or my only offer coverage with a high deductible.
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