Insurance with an SR-22 in Colorado

The Zebra
Nov. 15, 2018

If an SR-22 is required in order for you to get car insurance in Colorado, you are not alone. This fairly common requirement is prompted by citation like a DUI, a ticket for driving without proof of insurance, a collision causing substantial property damage, a citation for driving with a suspended license, or piling up too many points on your license.

Getting affordable insurance with an SR-22 in Colorado might require some research, but it might be worthwhile. We explored how much a Colorado SR-22 costs and how to get one — let's dive into the details.

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How much does Colorado SR-22 insurance cost?

SR-22 insurance in Colorado is usually costly. This isn't because obtaining the SR-22 certificate is expensive — filing fees usually total $15 to $35 — but thanks to the insurance rate increases affiliated with the driving violation that prompted the SR-22.

Insurance companies charge high-risk motorists more expensive rates to account for the more substantial risk of an incident. The rate increase you’ll face will depend on the severity and number of your citations — listed below are average car insurance premiums for drivers with SR-22s in Colorado.

High-risk rating factorAverage yearly rateIncrease vs. no violations
No citations$1,435.35
At-fault crash (>$2,000)$2,017.00$581.65
Speeding (21-25 mph > limit)$1,741.25$305.90
Reckless driving$2,160.22$724.87
Leaving the scene$2,086.23$650.88

If you want reasonably priced car insurance with a SR-22, we are ready to assist. Enter your ZIP code below to receive personalized auto insurance quotes from top insurance companies.

How to get an SR-22 in Colorado

For currently insured drivers:

With an active insurance policy, obtaining an SR-22 is simple. Phone your insurer and request it file a SR-22 request on your behalf. If your insurer won't request an SR-22 certificate, you’ll need to shop for a new policy with a new insurance company.

Uninsured drivers:

When applying for car insurance, you might need to pay extra to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. An SR-22 requirement may disqualify you from purchasing insurance from some companies, while others may happily sell you a policy.

For non-vehicle owners:

If you don't own a vehicle, getting an SR-22 can be difficult, as you will need to furnish proof of insurance to obtain the certificate. If you don't own a vehicle, get a non-owners auto insurance policy before requesting a certificate. Non-owners car insurance is often less pricey than a standard policy since it doesn't cover material damages to your vehicle.


Between September and December 2017, The Zebra conducted car insurance price analysis using its proprietary insurance quote engine, comprising data from rating platforms and public rate filings. The Zebra surveyed almost 53 million premiums to examine trends related to specific auto insurance rating factors across all United States ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact car insurance rates.