If you need an SR-22 to get an auto insurance policy in Colorado, you're not the only one. This fairly common insurance requirement is often needed after a driving violation like a DUI, a citation for driving with no insurance, an accident with substantial property damage, a citation for driving with a suspended license, or accumulating too many points on your license.
Getting cheap insurance with a SR-22 in Colorado might take some effort, but the savings are worth the trouble. The Zebra examined how much a SR-22 costs in Colorado and how to request one — let's dive into the details.
How much does an SR-22 cost in Colorado?
Insurance with an SR-22 stipulation in Colorado can be expensive. This isn't a direct cost of the certificate — filing fees will usually be $15 to $35 — but a product of the insurance premium increases from the offense that made the SR-22 necessary in the first place.
Car insurance companies charge risky clients higher premiums to account for the increased risk of having to pay out a claim after a collision. The price increase you could receive will depend on the number and severity of violations — below are average car insurance rates for drivers with SR-22s in Colorado.
COLORADO INSURANCE RATES AFTER COMMON VIOLATIONS
|High-risk rating factor||Average annual rate||Increase vs. no violations|
|At-fault collision (>$2,000)||$2,459||$702|
|Speeding (21-25 mph > limit)||$2,068||$311|
If you want to purchase inexpensive car insurance with a SR-22, The Zebra is ready to help. Enter your ZIP code to get personalized auto insurance quotes from leading companies.
How to get an SR-22 certificate in Colorado
Currently insuredIf you currently have auto insurance, obtaining an SR-22 certificate is relatively easy. Call up your insurance company and request that the company file a SR-22 request for you. If your current insurer declines to file a request, you should shop for a new insurance company.
If you're currently uninsuredWhen applying for car insurance, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 certification could disqualify you from buying insurance from some carriers, while others would be happy to cover you.
Don't own a car?Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
For drivers without a vehicleNot owning a vehicle makes it hard to get an SR-22, as you will need to show proof of insurance to receive the certificate. If you don't own a vehicle, you should purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners car insurance is often less expensive than traditional coverage since it won’t provide protection for physical damages to your vehicle.
Methodology and sources
The Zebra conducted comprehensive auto insurance pricing analysis through its proprietary quote engine, comprising data from insurance rating platforms and public rate filings. The Zebra assessed almost 53 million rates to explore trends for car insurance rating factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.