Cheapest SR-22 Car Insurance in Colorado (2024)

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Updated: May 20, 2024

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In Colorado, American National is the most cost-effective option for SR-22 car insurance, costing approximately $353 per year and $806 per year for minimum and full coverage, respectively. State Farm is the second cheapest option, with an average annual cost of $435 per year for minimum coverage and $992 for full coverage.

If you don't own a vehicle, GEICO offers the cheapest non-owner SR-22 car insurance at around $457 per year. State Farm is another affordable choice at approximately $483 per year.

An SR-22 is a document that certifies that a driver has the minimum car insurance coverage mandated by the state. You may be required to file it due to certain driving violations, such as a DUI, suspended license or driving without insurance. Although SR-22 car insurance is typically more expensive, you can still find affordable options in Colorado by shopping around.

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Cheapest Companies for SR-22 Car Insurance in Colorado

Why Trust MoneyGeek? Our team obtained data from the Colorado Division of Insurance and Quadrant Information Services to determine the most affordable SR-22 insurance companies for various driver profiles.

106,836Quotes Analyzed
14Companies Compared

Cheapest Companies for SR-22 Car Insurance in Colorado

If you have a DUI in Colorado, the cheapest minimum coverage car insurance policies are from:

  • American National: $353 per year
  • State Farm: $435 per year

For full coverage SR-22 auto insurance, the most affordable options are from:

  • American National: $806 per year
  • State Farm: $992 per year

If you’ve committed a driving offense, it's common for car insurance premiums to go up as insurers consider you high-risk and more likely to file claims. Still, you can access cheap rates by comparing quotes from various providers.

The table below shows affordable SR-22 car insurance options in Colorado, which range from $353 to $1,261 per year.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Minimum Coverage
Driving Violation:
Driving Violation:DUI
American National P&CAnnual Premium$353Monthly Premium$29
State FarmAnnual Premium$435Monthly Premium$36
Colorado Farm BureauAnnual Premium$448Monthly Premium$37
American FamilyAnnual Premium$494Monthly Premium$41
ProgressiveAnnual Premium$575Monthly Premium$48
GEICOAnnual Premium$793Monthly Premium$66
AllstateAnnual Premium$817Monthly Premium$68
Auto-Owners Insurance CoAnnual Premium$824Monthly Premium$69
FarmersAnnual Premium$853Monthly Premium$71
Farmers Union InsuranceAnnual Premium$897Monthly Premium$75
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What Is SR-22 in Colorado?

If you commit certain traffic violations in Colorado, you might need to have your insurer file an SR-22, which is not a type of insurance but a mandated certificate of financial responsibility. Here are common situations that typically require an SR-22:

  • Driving under the influence (DUI) or other serious driving offenses like reckless driving
  • Driving without insurance
  • Multiple moving violations within a short period
  • Restoring a suspended or revoked license

In Colorado, you must have an SR-22 on file for three years.

Your car insurance provider is required to fill out the SR-22 form for you and file it with the Colorado DMV. Since you will be considered a high-risk driver, you most likely will experience a significant increase in your auto insurance premium.

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Once you've fulfilled the terms of your financial responsibility requirement in Colorado, your insurance company must submit a Financial Responsibility Cancellation Form. This document informs the state that your mandatory SR-22 filing period has concluded, which means you no longer have to keep an SR-22 on file.

Cheapest Companies for Non-Owner SR-22 Car Insurance in Colorado

MoneyGeek found that, on average, the cheapest non-owner SR-22 car insurance providers for minimum coverage in Colorado are:

Members of the military community should consider USAA, which is a cheaper option at around $421 per year.

In certain cases, non-vehicle-owning drivers may still be required to file an SR-22 form. You may need non-owner car insurance if your car has been taken away or totaled or if you need to reinstate your driver's license. Non-owner car insurance enables you to regain your license and maintain legal driving privileges.

In the table below, we listed the cheapest non-owner SR-22 car insurance providers in Colorado, with minimum coverage policies ranging from $457 to $1,090 per year.

Data filtered by:Results filtered by:
Driving Violation:
Driving Violation:Accident $1000-$1999 Prop Dmg
GEICOAnnual Premium$457Monthly Premium$38
State FarmAnnual Premium$483Monthly Premium$40
Auto-Owners Insurance CoAnnual Premium$536Monthly Premium$45
KemperAnnual Premium$549Monthly Premium$46
ProgressiveAnnual Premium$998Monthly Premium$83
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Non-owner car insurance provides coverage for third-party bodily injuries and property damage but not for damages to the vehicle you are driving or injuries to you or your passengers. It’s beneficial for renters, rideshare drivers, professional drivers and those filing an SR-22 without owning a car.

MoneyGeek compiled the cheapest non-owner car insurance in Colorado to help you find the best deals.

Average Cost of SR-22 Car Insurance in Colorado

Drivers in Colorado with a DUI on their record can expect to pay an average annual rate of $755 for minimum coverage and $1,660 for full coverage car insurance. Keep in mind that multiple infractions on your driving record within a certain timeframe may also require an SR-22 filing.

Committing driving offenses typically results in higher car insurance premiums since insurance providers perceive you as a higher-risk driver. It's important to maintain a clean driving record and practice safe driving habits to avoid unnecessary increases in your car insurance rates.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Minimum Coverage
TicketAnnual Premium$587Monthly Premium$49
DUIAnnual Premium$755Monthly Premium$63
At-Fault AccidentAnnual Premium$690Monthly Premium$57
CleanAnnual Premium$431Monthly Premium$36
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It’s a good idea to compare car insurance rates annually or when you’re renewing your SR-22 coverage. Doing so allows you to find the most affordable policy and ensure that you're getting the best deal. Regularly reviewing your options demonstrates financial responsibility and helps you save money in the long run.

How SR-22 Affects Car Insurance Rates in Colorado

In Colorado, drivers who need to file an SR-22 can expect an average premium increase of $312 for a minimum coverage policy. Filing this form indicates that you are riskier to insure, leading to higher rates. However, the rate you're quoted can vary depending on factors such as the severity of the offense, your preferred coverage level and your driving history.

Committing offenses such as driving without sufficient insurance, having your license suspended for not paying court-ordered child support payments and driving under the influence (DUI) are among the most common reasons you may be required to file an SR-22. Understanding these factors and their impact on your insurance rates can help you make informed decisions and maintain responsible driving habits.

Car Insurance Rate Comparison Based on Driving Records in Colorado

Clean Driving Record

Annual Premium for Minimum Coverage

After a DUI

Annual Premium for Minimum Coverage

Car insurance premiums after a DUI are on average:$312 more

This is 70% more expensive.

Other Effects of SR-22 on Car Insurance in Colorado

Apart from the increased premiums, filing an SR-22 in Colorado can have additional effects on your car insurance. Here are some potential outcomes associated with filing an SR-22.

Limited number of insurance options

Having an SR-22 on file typically leads insurance companies to perceive you as a high-risk driver. As a result, you may find that fewer insurance providers are willing to cover you compared to drivers without high-risk offenses. You may need to obtain coverage through a non-standard insurer that specializes in high-risk drivers or the state-backed Colorado Auto Insurance Plan.

Possible policy cancellation

If you commit violations that require an SR-22 form, your current insurer may opt to cancel the remainder of your policy. It's important to be aware of this potential outcome and find alternative insurance to ensure continuous coverage.

Length of required filing

In Colorado, the length of required SR-22 filing is three years. It's essential to ensure compliance with the mandated filing period to maintain your legal driving privileges.

Filing fees

You may also incur a one-time filing fee for an SR-22, which can range from $15 to $50. This fee is an additional cost to consider when assessing the financial implications of your SR-22 requirements.

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How to Get SR-22 Insurance in Colorado

To obtain car insurance after a driving violation in Colorado, you typically need to:

  1. Find an insurance company that provides coverage to drivers with serious violations on their records.
  2. Purchase a policy that meets Colorado's minimum liability requirements.
  3. Request that your insurance company file an SR-22 form on your behalf.
  4. Pay any necessary fees associated with the SR-22 filing and ensure that it stays up to date.
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The license reinstatement fee in Colorado is $95 for most offenses. However, fees are subject to change, so we recommend consulting your local DMV for the latest and most accurate information if you need to get your license reinstated.

How to Get Cheaper Car Insurance in Colorado After a DUI

Getting insured after a DUI conviction will likely result in higher costs, and a DUI stays on your motor vehicle record indefinitely in Colorado. But there are measures you can take to reduce your overall expenses. By comparing SR-22 car insurance quotes from different insurers, maintaining a clean driving record and exploring discounts, you can potentially lower your insurance premiums.

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    Compare quotes immediately

    By comparing quotes for SR-22 car insurance right away, you can increase your chances of finding cheap coverage after a DUI in Colorado. Insurance providers conduct risk assessments differently, so some will offer cheaper premiums than others. Collect and compare quotes from at least three insurers in your area to find the best rate.

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    Complete DUI classes or programs

    Participating in Colorado's DUI programs and classes after a DUI conviction can help reduce the likelihood of future offenses. By actively engaging in these programs, you demonstrate a commitment to responsible driving, potentially leading to lower insurance rates.

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    Look for discounts

    Although a DUI conviction may disqualify you from certain discounts, such as good driver discounts, there are still other discounts that you may be eligible for. Insurance providers offer various discounts for bundling policies, installing anti-theft devices and more. Exploring these options can help you offset the impact of a DUI conviction on your insurance costs.

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    Practice safe driving

    To maintain a clean driving record after a DUI, practice safe driving habits. Reduce your driving distances if possible, limit your time on the road and stay focused while driving. By preventing additional violations, you can improve your driving history and potentially qualify for lower insurance rates in the future.

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    Shop rates over time

    Your insurance rates can change over time. Even if you currently have the best rate, it's wise to regularly compare insurance companies before your policy renews. By staying proactive and reviewing your options, you can ensure that you're getting the best policy for your needs and budget.

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Non-standard car insurance is a viable option for high-risk drivers who may have a limited choice of insurers. Although it typically comes with higher rates than standard auto insurance, it is designed for individuals with a history of accidents or other risk factors and provides coverage that may be hard to find elsewhere.

Frequently Asked Questions About SR-22 Insurance in Colorado

MoneyGeek responded to some frequently asked questions about SR-22 car insurance in Colorado to help you find the best option for you.

What are the cheapest SR-22 car insurance options in Colorado?
How much does filing an SR-22 increase car insurance rates, on average?
How long do you need to have an SR-22 in Colorado?

About Mark Fitzpatrick

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Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.