Colorado SR-22 Insurance After Your Requirement Ends
Colorado requires 25/50/15 liability coverage and is an at-fault state.
Find Affordable Coverage After SR-22Colorado at a Glance
25/50/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$95
State license reinstatement fee, about 20 days to process
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Colorado
The Colorado Division of Motor Vehicles mandates SR-22 certificate filing for drivers with DUIs, multiple violations, at-fault accidents without insurance, license suspensions, and accumulation of excessive points. SR-22 filing typically lasts 3 years from the date of conviction or reinstatement, during which continuous coverage must be maintained without lapse. Once the requirement ends, drivers transition from non-standard to standard carriers, with rates declining significantly in the 12-24 months following filing removal.
Liability Insurance
Uninsured Motorist Coverage
Full Coverage
Comprehensive Coverage
SR-22 Insurance
What Drivers Pay in Colorado
$301–$481/mo
Typical monthly rate in Colorado, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Original violation type: DUI offenses carry longer rate impacts (4-7 years) than point accumulation violations (3-5 years)
- Credit-based insurance score: Colorado allows credit as a rating factor, and improving credit during your SR-22 period accelerates rate recovery
Your SR-22 Is Over. Your Rate Should Drop Too
Find Affordable Coverage After SR-22If your license is suspended
Probationary Driver License (Red License)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Colorado requires 25/50/15 minimums, but post-SR22 drivers should consider 100/300/100 to avoid personal asset exposure and qualify for better standard carrier rates.
Full Coverage
Liability plus collision and comprehensive. Required by lenders and recommended for vehicles worth over $5,000. Standard carriers become available 6-12 months after SR-22 removal, offering full coverage with lower deductibles.
Uninsured Motorist Coverage
Protects you when an at-fault driver has no insurance or insufficient coverage. Colorado requires insurers to offer UM/UIM at limits matching your liability, though you can decline in writing.
Comprehensive Coverage
Covers non-collision damage: hail, theft, vandalism, glass, wildlife strikes. Particularly valuable in Colorado where hail season runs May-August and deer collisions peak fall and spring.
Non-Standard Auto Insurance
High-risk coverage from carriers specializing in SR-22 and post-conviction drivers. Rates are 80-200% higher than standard market, but these carriers write policies standard companies decline.
SR-22 Insurance
Certificate proving continuous insurance filed with the Colorado DMV for 3 years. Not a separate policy—it's a filing attached to your existing coverage that costs $15-$35 initially plus possible annual fees.