4.8out of 3,000+ reviews

Colorado SR-22 Car Insurance (With Quotes)

Secure. Free. Easy-to-use.
Car Insurance
Mark Steinbach

By: Mark Steinbach

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

Why you can trust Insurify

Insurify partners with the best car insurance companies in the U.S. to provide a tailored car insurance comparison experience. To date, we've delivered over 26 million quotes from both national and regional companies to over 4 million customers. Check out reviews from over 3,000 satisfied customers, how we make money, how we get our data, our editorial standards, and a list of our partners.

Cheapest Companies for SR-22 Insurance in Colorado (2022)

For drivers with SR-22 in Colorado, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after an SR-22.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Colorado. The following are the best insurance rates from carriers that offer car insurance for drivers with an SR-22 in Colorado.

CarrierAvg. Monthly Cost
Sun Coast$155
Bristol West$174
Travelers$223
Dairyland$229
SafeAuto$233
Kemper$266
Safeco$270
The General$273

How Much Does SR-22 Insurance Cost in Colorado?

Filing an SR-22 will come with a fee in the range of $15 to $35. But the true cost comes in the form of higher car insurance rates. After you've earned a reckless driving violation or a DUI, car insurance companies will believe you're more likely to file a claim in the future and charge you more as a result.

Colorado is already a pretty expensive state to drive in. Drivers with no violations on their record pay $234 per month on average, which is on the higher end of things nationally. Drivers with an SR-22 pay an average of $290, which means in Colorado an SR-22 costs only $56 per month more than if you had no violation, an increase of 24 percent.

Of course, these are averages, and rates can vary dramatically, so be sure to use a quote-comparison tool like Insurify to find the best rate.

No Violation - Avgerage Monthly Rate
$234
With SR-22 - Average Monthly Rate
$290
$56 ▴
23.93% ▴
Difference in Average Monthly Rate
Percent Change in Average Monthly Rate

Insurify's comparison tool will help you make sure you're getting the best possible quote even after an SR-22. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

What Is an SR-22, and Who Needs One in Colorado?

On the road, some mistakes are bigger than others. And if you get a major infraction like a DUI or reckless driving violation, you may lose your license. To get it back, you'll need an SR-22 form. This is a special form filed by your insurance company that verifies you have at least bought minimum car insurance coverage and are paying your monthly premiums.

Keep in mind that not all car insurance companies in Colorado are willing to file SR-22 forms for drivers. And those that do might ask you to pay a higher rate, given your mixed driving history. That's why you'll need to do your research to find an insurance company willing to file this crucial form for you—then compare quotes to find a rate that meets your needs and budget.

How Much Does Credit Score Affect SR-22 Insurance Costs in Colorado?

In Colorado, car insurance companies are allowed to factor in your credit score when determining your rates. As a result, having excellent credit when shopping for SR-22 coverage will likely lead to lower car insurance rates on average. SR-22 drivers with average, good, or poor credit scores pay between $57 and $62 more than people with similar credit, while SR-22 drivers with excellent credit see their rates increase $51 compared to normal.

Credit TierAvg. Monthly Rate - No Violation Avg. Monthly Rate - SR-22 Difference
Excellent$214$265$51
Good$239$296$57
Average$241$298$58
Poor$261$323$62

How to Find the Best SR-22 Insurance Rate in Colorado

With so many different car insurance companies offering all sorts of packages and discounts, you might not even know where to begin looking for car insurance. To actually find affordable car insurance, you'll want to compare plenty of quotes from a diverse range of car insurance companies. That's where Insurify comes in. Free and easy to use, Insurify puts all the quotes you need in one place, so you can quickly find a policy that meets your budget.

Non-Owner SR-22 Insurance in Colorado

If you aren't a car owner but still want to drive legally, you'll need to be insured through a non-owner SR-22 form in Colorado. This helps you meet the necessary legal requirements to drive after losing your license, but it won't lock you into an expensive policy. If you live with the person whose car you borrow or you use the same car on a regular basis, you might not qualify for such a policy.

Alternatives to an SR-22 in Colorado

An SR-22 form lets your state government know that you have insurance and you're paying your insurance bills. For risky drivers, this sort of assurance is important. If you don't want to deal with the SR-22 process, you'll probably need to find a new means of transportation for a while. The filing period for an SR-22 can last up to five years, so you could be off the road for a while.

How Do I Get SR-22 Insurance in Colorado

Shopping for SR-22 insurance can be a massive headache. Some insurers readily sponsor SR-22 drivers—others don't. Some offer reasonable rates—others expect you to pay an arm and a leg. But when you turn to Insurify, your car insurance shopping will quickly become a breeze as you unlock the ability to seamlessly compare quotes side by side.

Frequently Asked Questions

  • Colorado drivers will need an SR-22 for three years—meaning you must maintain at least minimum car insurance for that entire time. If your coverage lapses at any point, the clock restarts.

  • If you move out of Colorado, you'll have to file a separate SR-22 form with the DMV in your new state. Know that prices and policies change between states, so be sure to shop around in your new state so that you aren't stuck with suddenly high rates.

  • If you want to get your license reinstated, you'll need an SR-22 for the specified duration. If you want to drive but don't own a car, you may be able to get lower rates with non-owner insurance. To learn more, reach out to an insurer directly to see if they offer such a policy.

    Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Mark Steinbach
Mark Steinbach

Content Writer at Insurify

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.

Learn More