Let’s be honest — no one gets excited about needing SR-22 insurance in Colorado. If you’re reading this, chances are you’ve hit a bump in the road (maybe literally). Whether it’s due to a DUI, multiple traffic violations, or driving without insurance, you now have to file an SR-22.
Good news: it’s not as scary as it sounds. In this guide, we’ll break down exactly how to file for SR-22 insurance in Colorado — step by step. We’ll also answer common questions and link to a helpful blog if you’re in Thornton, Colorado, or nearby.
Let’s get started.
What Is SR-22 Insurance and Why Is It Required in Colorado?
SR-22 insurance isn’t actually a type of insurance — it’s a certificate your insurer files with the state to prove you carry the minimum liability coverage required by law.
You Might Be Required to File an SR-22 If:
You’ve had a DUI or DWI
You drove uninsured
Your license was suspended or revoked
You’ve been involved in serious or repeated traffic violations
Think of it as a red flag for the DMV — but also your chance to get things back on track.
Step-by-Step Guide to Filing SR-22 Insurance in Colorado
Step 1: Find a Licensed SR-22 Insurance Provider in Colorado
Not all insurance companies file SR-22s — so your first step is finding one that does.
You can:
Contact your current insurer to ask if they offer SR-22 filings
Shop around for SR-22 insurance Colorado providers with competitive rates
Use online tools to compare quotes
Pro tip: If your provider drops you due to the violation, look for companies that specialize in high-risk drivers.
Step 2: Purchase an Auto Insurance Policy That Meets Colorado’s Minimum Requirements
Once you’ve found a provider, you’ll need to purchase a policy that includes:
$25,000 bodily injury per person
$50,000 bodily injury per accident
$15,000 property damage per accident
Make sure the policy is active before the SR-22 is filed.
Step 3: Ask Your Insurance Company to File the SR-22 Form
This is where the magic happens.
Your insurer will electronically send the SR-22 form to the Colorado Division of Motor Vehicles (DMV). Some companies may charge a small filing fee — usually around $15 to $25.
You won’t need to go to the DMV in person for this step, but double-check that the filing has been received if you’re working on a license reinstatement.
Step 4: Pay the Reinstatement Fee (If Applicable)
If your license has been suspended, you’ll need to pay a reinstatement fee — typically $95 — to get it back. You can do this online via Colorado’s DMV website or in person at a local office.
Step 5: Maintain SR-22 Coverage for 3 Years
Yep, three years.
During this time:
Don’t let your policy lapse
Don’t cancel early
Keep your driving record clean
If your coverage lapses, your insurer is required to notify the state, and your license could be suspended again. Set calendar reminders or go with automatic payments to stay on track.
How Long Does SR-22 Stay on Your Record in Colorado?
While you’re only required to carry it for three years, the violation itself can remain on your driving record longer. A DUI, for example, stays on your record for 10 years in Colorado.
How Much Does SR-22 Insurance Cost in Colorado?
Unfortunately, the SR-22 filing makes you a high-risk driver, which can significantly raise your insurance premium.
While the filing fee is low, you can expect your monthly insurance rate to increase by $30–$100 or more, depending on your record and provider.
Want to keep things affordable? Check out this related post:
👉 How To Reclaim Your Freedom With Reliable SR22 Insurance In Thornton, Colorado
What If You Don’t Own a Car?
You can still file for a non-owner SR-22 insurance policy in Colorado. This is a great option if:
You need to reinstate your license
You drive occasionally (borrowed or rented cars)
You want to stay compliant without owning a vehicle
Common SR-22 Mistakes to Avoid
Letting your policy lapse – You’ll go back to square one.
Not comparing rates – You might end up paying hundreds more per year.
Ignoring deadlines – Late filings can delay license reinstatement.
FAQs About SR-22 Insurance in Colorado
Do I have to notify the DMV myself?
Nope. Your insurer takes care of it.
What happens if I move out of Colorado?
You must continue to meet Colorado SR-22 requirements until your term ends, even if you move out of state.
Can I switch insurance companies during my SR-22 period?
Yes — just make sure there’s no gap in coverage and the new insurer files your SR-22 immediately.
Call to Action: Get Back on the Road — Starting Today
Filing for SR-22 insurance in Colorado might feel like a hassle, but it’s actually your first step toward reclaiming your driving freedom.
Don’t wait. Whether you’re shopping for your first SR-22 policy or looking to switch providers, make sure you’re working with a trusted insurer who knows Colorado’s rules inside and out.
👉 Ready to get a quote? Start here and compare trusted SR-22 insurance providers in Colorado.
Final Thoughts
Needing SR-22 insurance doesn’t define you — it just means you’re being held accountable. And once you’ve done your time (okay, three years), you’re free to move forward with a clean slate.
Remember:
File the SR-22 with a trusted provider
Keep your policy active
Stay on top of your driving behavior
You’ve got this — and if you need help, we’re here to guide you every step of the way.