American National provides the cheapest SR-22 insurance in Colorado at $61 monthly for minimum coverage and $140 for full coverage, about 59% below the state's average rates. However, these rates represent 40-year-old drivers with a DUI on record. Farm Bureau, Progressive, GEICO and State Farm might offer better rates for your specific profile.
Cheapest SR-22 Car Insurance in Colorado
Updated: September 9, 2025
Advertising & Editorial Disclosure
Key Takeaways
American National provides the lowest-priced SR-22 insurance in Colorado, with premiums averaging $61 per month or $728 per year for minimum coverage. The cheapest overall car insurance in Colorado depends on many factors besides your driving record.
For drivers needing SR-22 filing in Colorado, Colorado car insurance costs average $138 monthly for minimum coverage and $312 per month for full coverage.
Colorado requires SR-22 insurance to cover $25,000 per person and $50,000 per accident for injuries, plus $15,000 for property damage if your license is suspended.
Cheapest SR-22 Car Insurance in Colorado
| American National | $61 | $140 | -59% |
| Farm Bureau | $74 | $193 | -45% |
| Progressive | $94 | $261 | -28% |
| GEICO | $108 | $268 | -23% |
| State Farm | $126 | $286 | -16% |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Cheapest SR-22 Car Insurance in Colorado by Category
American National leads every SR-22 insurance category in Colorado, from coverage for most drivers to specific violations like racing and hit-and-run accidents. The company offers the cheapest rates across all seven categories we analyzed, with monthly premiums starting at $52 for drivers with other violations.
| Most Drivers Needing a SR-22 | American National | $61 | $140 |
| Young Drivers With a Suspension | American National | $71 | $172 |
| Senior Drivers With a Suspension | American National | $68 | $142 |
| Drivers With Multiple Speeding Tickets | American National | $55 | $127 |
| Drivers With Racing Violation | American National | $64 | $147 |
| Drivers With Hit-And-Run Accident | American National | $65 | $148 |
| Drivers With Other Violations | American National | $52 | $126 |
* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.
Cheapest Personalized SR-22 Car Insurance in Colorado
Our analysis shows general winners for common scenarios, but finding your cheapest insurance depends on personal factors. The table below matches you with affordable providers based on your age, gender, coverage needs, credit score and driving record.
Data filtered by:Results filtered by:
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Age:25
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Gender:Female
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Coverage Level:100/300/100 Comp/Coll $1000 Deductible
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Credit Score:Below Fair
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Driving Record: 2 speeding tickets (11-15 MPH over limit)
| GEICO | $332 | $3,981 | -44% |
| Allstate | $493 | $5,916 | -17% |
| Progressive | $567 | $6,805 | -5% |
| State Farm | $782 | $9,389 | 31% |
| Farmers | $809 | $9,707 | 36% |
Cheapest SR-22 Car Insurance in Colorado by City
American National offers the most affordable SR-22 car insurance in Colorado cities, with rates starting at $43 monthly in Winter Park. You can review its rates for major cities in the state below.
| Arvada | American National | $60 |
| Aurora | American National | $72 |
| Boulder | American National | $55 |
| Colorado Springs | American National | $62 |
| Denver | American National | $67 |
| Englewood | American National | $69 |
| Fort Collins | American National | $51 |
| Greeley | American National | $51 |
| Littleton | American National | $60 |
| Loveland | American National | $50 |
| Milliken | American National | $50 |
| Parker | American National | $62 |
| Pueblo | American National | $58 |
| Thornton | American National | $64 |
| Westminster | American National | $61 |
| Winter Park | American National | $43 |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Best Cheap SR-22 Car Insurance Companies in Colorado
Progressive ranks as the best car insurance provider for SR-22 filing because it offers the strongest combination of affordable rates, quality customer service and comprehensive coverage options, earning it the highest overall MoneyGeek score. For additional options, consider Farm Bureau, American National, GEICO and State Farm in your search.
| Progressive | 4.36 | 3 | 2 | 2 |
| Farm Bureau | 4.32 | 2 | 3 | 6 |
| American National | 4.29 | 1 | 10 | 5 |
| GEICO | 4.02 | 4 | 6 | 5 |
| State Farm | 4.01 | 5 | 4 | 5 |
Progressive
Best Overall for SR-22 Insurance in Colorado
MoneyGeek Rating
4.4/ 5
4.4/5Affordability
4.1/5Customer Experience
4.8/5Coverage Options
Average Monthly Full Coverage Cost
$261For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for drivers with an SR-22Average Monthly Minimum Coverage Cost
$94For minimum state coverage for drivers filing an SR-22Best For
Coverage Options and Customer Experience
How Much Is SR-22 Car Insurance in Colorado?
SR-22 car insurance in Colorado averages $1,652 annually for minimum coverage and $3,744 per year for full coverage policies. Colorado ranks 19th in affordability for minimum coverage and 24th for full coverage nationwide. Monthly rates can vary substantially based on driver profiles, ranging from $80 to $1,057.
| Minimum Coverage | $138 | $1,652 | -22% |
| Full Coverage | $312 | $3,744 | -6% |
*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Average SR-22 Car Insurance Cost by Colorado City
Based on our analysis of Colorado SR-22 insurance rates, Winter Park offers the lowest premiums at $101 per month, while Thornton has the highest at $151 monthly. Below you can review costs for major cities in the state for both full and minimum required coverage policies.
Data filtered by:Results filtered by:
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Coverage Type:Minimum Coverage
| Arvada | $141 | $1,688 |
| Aurora | $155 | $1,855 |
| Boulder | $126 | $1,515 |
| Colorado Springs | $137 | $1,647 |
| Denver | $152 | $1,818 |
| Englewood | $145 | $1,746 |
| Fort Collins | $117 | $1,409 |
| Greeley | $112 | $1,347 |
| Littleton | $143 | $1,720 |
| Loveland | $115 | $1,385 |
| Milliken | $115 | $1,380 |
| Parker | $136 | $1,637 |
| Pueblo | $132 | $1,582 |
| Thornton | $151 | $1,810 |
| Westminster | $143 | $1,711 |
| Winter Park | $101 | $1,214 |
* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Colorado SR-22 Insurance Requirements
To comply with Colorado laws, you must carry these minimum liability limits:
- $25,000 personal injury liability per person
- $50,000 personal injury liability per accident
- $15,000 property damage liability per accident
In the state, SR-22 certificates are usually required for three years. This period can extend to 5 years or more, depending on the violation and if there is noncompliance with requirements or repeated offenses.
TYPES OF SR-22 FILINGS
For drivers who need comprehensive coverage, the SR-22 Operators-Owner Certificate offers a solution by combining both types of protection. This joint filing ensures coverage whether you're driving your own vehicle or someone else's, providing the flexibility many drivers need to maintain compliance with state requirements.
Other Colorado SR-22 Insurance Laws and Regulations
While filing an SR-22 helps meet Colorado's basic insurance requirements, drivers must understand additional regulations that affect their coverage obligations.
- First offense: requires three years of SR-22 coverage
- Second offense within five years: leads to a four-year suspension with continued SR-22 requirement
- Third offense within five years: results in a five-year suspension with ongoing SR-22 coverage.
SR-22 Filing and Reinstatement Fees
SR-22 filing fees in Colorado range from $15 to $25, while license reinstatement fees cost between $95 and $150, depending on your violation type. Colorado offers payment plans if your total fees exceed $210.
Coverage Lapses and Cancellations
If your SR-22 insurance lapses or gets canceled, your insurance company must notify the Colorado DMV right away. Your license will be suspended again until you file a new SR-22 and pay reinstatement fees.
SR-22 Requirement Duration
Colorado requires SR-22 insurance for three years in most cases, but this can extend to 5 years for serious violations involving injuries, death, or major property damage. For non-driving violations:
SR-22 Filing Process
To file an SR-22 in Colorado, contact an insurance company licensed in the state and purchase a policy meeting Colorado's minimum requirements. Your insurance company files the SR-22 electronically with the Colorado DMV, with typical processing taking 72 hours.
WHAT TO DO IF PROVIDERS DENY YOU COVERAGE
Colorado operates differently from states with high-risk insurance programs. It relies on private insurance companies that specialize in covering high-risk drivers. If you're denied coverage from one insurer due to an SR-22 requirement, you can shop around with other companies that focus on non-standard auto insurance policies.
Cheap SR-22 Insurance in Colorado: Bottom Line
In Colorado, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts 3 to 5 years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.
SR-22 Insurance Colorado: FAQ
Below are frequently asked questions about SR-22 certifications in Colorado:
What are the cheapest SR-22 car insurance options in Colorado?
American National provides Colorado's cheapest SR-22 car insurance at $61 per month for minimum coverage. Farm Bureau and Progressive are the next most affordable options.
How much does filing an SR-22 increase car insurance rates in Colorado?
Filing an SR-22 increases car insurance rates in Colorado by 22% compared to drivers with clean records.
How long do you need to have an SR-22 in Colorado?
In Colorado, you must maintain an SR-22 and continuous insurance coverage for three years. Letting your coverage lapse restarts the SR-22 period and may lead to additional penalties.
How We Decided the Best and Cheapest SR-22 Insurance in Colorado
MoneyGeek analyzed hundreds of thousands of quotes across Colorado to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.
Colorado SR-22 Driver Profile
We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:
- 40-year-old male
- Driving record with a DUI
- 2012 Toyota Camry LE
- 12,000 miles driven annually
- Suspended license
- Single
- No claims history
Coverage Levels and Deductibles
We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Colorado's minimum coverage requirements, with the following limits:
- $25,000 personal injury liability per person
- $50,000 personal injury liability per accident
- $15,000 property damage liability per accident
We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
Our Best SR-22 Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
- Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
- Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.