Auto Insurance After Violation
Get a Quote
A curving two-lane paved road descends a hillside lined with yellow-leaved aspens and dark conifers, with snow-dusted jagged mountains and cloudy sky in the distance.

Colorado SR-22 & High-Risk Auto Insurance

Colorado requires 25/50/15 liability coverage and is an at-fault state.

Compare Rates After a Violation

Colorado 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

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 filing for DUI convictions, license suspensions due to points, at-fault accidents without insurance, and repeat traffic offenses. High-risk drivers typically need coverage above state minimums to secure SR-22 filing through carriers willing to write non-standard policies. SR-22 filing lasts 3 years from the date of conviction or reinstatement, and any lapse in coverage resets the entire requirement period.

Liability Insurance

Colorado's 25/50/15 minimums are the legal floor for SR-22 filing, but most non-standard carriers require higher limits to write high-risk policies. Many SR-22 carriers in Colorado set internal underwriting minimums at 50/100/25 or higher, especially for DUI offenses.

SR-22 Insurance

SR-22 is not a separate insurance policy—it's a certificate your insurer files with the Colorado DMV proving you maintain continuous coverage. If your policy lapses for any reason during the 3-year requirement, the insurer notifies the DMV within 24 hours, your license is suspended immediately, and the 3-year clock restarts from zero when you refile.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk profiles rejected by major insurers, including DUI convictions, suspended licenses, and multiple at-fault accidents. Rate relief typically begins 6–12 months after filing if you maintain a clean record, with most drivers moving back to standard carriers after the SR-22 period ends.

Full Coverage

Full coverage combines liability with comprehensive and collision, protecting both other drivers and your own vehicle. Colorado does not legally require full coverage unless you have an auto loan or lease, but SR-22 drivers with financed vehicles must maintain it to satisfy lender requirements.

Uninsured Motorist Coverage

Colorado law does not require uninsured motorist (UM) coverage, but insurers must offer it and you must reject it in writing.

What Drivers Pay in Colorado

$322–$343/mo

Typical monthly rate in Colorado, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

A man in a brown jacket and dark jeans stands holding the open door of a dark sedan on a rooftop parking deck, facing a city skyline at dusk.

Shop Again Before Your Next Renewal Hits

Compare Rates After a Violation

Coverage Types

SR-22 Insurance

Certificate filed by your insurer with the Colorado DMV proving continuous liability coverage for 3 years. Required after DUI, license suspension, or uninsured accident. Filing costs $15–$35; real cost is the 80–250% premium increase.

Non-Standard Auto Insurance

Policies from carriers specializing in high-risk drivers rejected by major insurers. Higher rates and down payments (15–30%), but provide the SR-22 filing most standard carriers refuse to offer.

Liability Insurance

Covers injuries and property damage you cause to others. Colorado's 25/50/15 minimums are the legal floor, but one serious accident exceeds these limits quickly, leaving you personally liable.

Full Coverage

Liability plus comprehensive and collision, protecting your vehicle and others. Required by lenders and lessors; optional if you own your car outright.

Uninsured Motorist Coverage

Protects you if hit by a driver without insurance. Optional in Colorado but must be offered by every carrier. Costs $5–$15/mo for high-risk drivers.

Collision Coverage

Pays for damage to your vehicle after an accident, regardless of fault. Required by lenders; optional otherwise. High-risk drivers face 60–120% rate increases and higher deductibles.

Find Your City in Colorado

Denver

urban

Colorado Springs

urban

Aurora

suburban

Fort Collins

suburban

Lakewood

suburban

Westminster

suburban

Pueblo

urban

Centennial

suburban