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Colorado SR-22 & High-Risk Auto Insurance

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

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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, driving without insurance, accumulating excessive points, or causing an at-fault accident while uninsured. SR-22 is not insurance—it's a certificate your insurer files with the state proving you carry continuous coverage. Most SR-22 requirements in Colorado last 3 years from the date of reinstatement.

Liability Insurance

Colorado's 25/50/15 minimums are mandatory for all drivers and required for SR-22 filing, but these limits are typically insufficient after a major violation. High-risk drivers should consider 50/100/50 or higher to protect assets, especially if you own a home or have significant savings.

SR-22 Insurance

SR-22 is a state-mandated certificate filed by your insurer with the Colorado DMV to prove continuous coverage. It's required after DUI, uninsured accidents, repeat violations, or license suspension for points. If your policy lapses for any reason during the 3-year requirement, your insurer notifies the DMV and your license is suspended immediately—reinstatement then requires starting the 3-year clock over.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk profiles including DUI, SR-22, multiple violations, or lapses.

Full Coverage

Full coverage combines liability with comprehensive and collision, protecting your own vehicle in addition to others.

Uninsured Motorist Coverage

Uninsured motorist (UM) coverage is not required in Colorado but strongly recommended, especially for high-risk drivers who may already face financial strain.

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

What Affects Your Rate

Violation type: DUI/DWAI penalties are highest, followed by uninsured accidents, then point suspensions
Driver age and experience: drivers under 25 with violations face compounding surcharges
ZIP code and county: urban areas like Denver and Aurora see higher rates due to accident frequency and theft
Credit-based insurance score: Colorado allows credit to influence rates, and violations often correlate with lower scores

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Colorado SR-22 & High-Risk Auto Insurance

Colorado at a Glance

Minimum Coverage Requirements in Colorado

Liability Insurance

SR-22 Insurance

Non-Standard Auto Insurance

Full Coverage

Uninsured Motorist Coverage

What Drivers Pay in Colorado

What Affects Your Rate

Stop Overpaying While Your Points Fade

Coverage Types

Liability Insurance

SR-22 Insurance

Non-Standard Auto Insurance

Full Coverage

Uninsured Motorist Coverage

Collision Coverage

Find Your City in Colorado

Denver

Colorado Springs

Aurora

Fort Collins

Lakewood

Westminster

Pueblo

Centennial