Violating traffic laws can be costly. There are often fees and fines involved, and your auto insurance may go up. In some situations, you may be required to obtain an SR-22. The first thing Colorado drivers need to know about this form is that it isn’t an insurance policy. SR-22 insurance Colorado is a proof of insurance form that the state may require of you if you appear to be a particularly risky driver.
What is “SR-22 insurance?”
States and courts may require an SR-22 form from drivers after demonstrating high risk by breaking traffic laws. Some of the more common offenses that can lead to an SR22 Colorado are DUIs, DWIs, reckless driving, driving without insurance and driving without a license.
To obtain a Colorado SR-22, you must first contact your insurance company and request it to file the form. There will be a small filing fee, and your verification form should arrive within a few weeks.
For many who need Colorado SR-22 insurance, it is first necessary to expand their auto insurance coverage. This is because the insurance company can’t file the form until they know that you have the required levels of coverage. To meet the state auto insurance minimum, find a car insurance company that offers reasonable rates on the policy you want.
SR-22 Colorado alternatives
In Colorado, the SR-22 is used, but some states use other forms. The SR-22 is the most commonly used, but Florida, Texas, and Indiana—to name a few—all have their own forms. Many of these forms serve a similar purpose as the SR-22, but some, like the SR-19, involve less oversight. While others, like the SR-22A, can compel drivers to pay for their insurance upfront for several months’ worth of coverage.
|Form||States issued||Required insurance minimums|
|SR-22||Colorado and most other states||State minimum auto liability|
|SR-19||California, Texas||State minimum auto liability|
|SR-21||Georgia, Hawaii, Indiana, Florida||State minimum auto liability|
|SR-22A||Georgia, Texas, Missouri||State minimum auto liability|
|FR-44||Florida, Virginia||More than the state minimum auto liability|
|SR-50||Indiana||State minimum auto liability|
- SR-19: Drivers file this form after they have been in an accident with an uninsured motorist.
- SR-21: This form serves a similar purpose as the SR-22 but is often used in situations with lesser offenses. Tickets and auto accidents are among the reasons one might need an SR-21.
- SR-22A: This form is used for similar purposes as the SR-22, but it is only used in Georgia, Texas, and Missouri. Traffic and insurance law offenses can lead to needing an SR-22A in these states.
- FR-44: These are primarily issued to drivers after getting a DUI or DWI. These forms require that drivers maintain a higher level of auto insurance than the state minimum.
- SR-50: Much like an SR-22, but used only in Indiana, the SR-50 is proof of insurance required from some high-risk drivers. Many of the traffic violations that can get your license suspended in Indiana can also result in needing an SR-50.
Most insurance is designed to follow the vehicle rather than the driver, but non-owner SR-22 works differently. This type of insurance policy is for those who do not have their own car but still drive. These policies insure the driver so that they will not be violating the state insurance laws when they drive.
Non-owner SR-22 must meet the state minimum for auto liability insurance. These policies may have greater coverage than that, but not less. If you are required by the state to file an SR-22 but do not have a vehicle, they may have you take out a non-owner SR-22 policy.
SR-22 in Colorado
Colorado does not use alternative forms but instead sticks with the SR-22. Traffic offenses including DUIs, DWIs, driving without insurance, and driving without an active license can all lead to needing an SR-22. The state requires this form of people who demonstrate that they are particularly high-risk drivers.
SR-22 Colorado insurance cost
The SR-22 doesn’t increase insurance premiums on its own. Unfortunately, they often coincide with rate increases. This is because the situations that lead to needing an SR-22 can also lead to insurance rate increases. Insurance companies base rates on risk levels of drivers and SR-22s are issued to high-risk drivers.
While SR-22 forms don’t inherently increase insurance rates, they do have a filing fee. Depending on your insurance company, these fees can range from around $10 to $50. Those who do not currently have the mandatory minimum auto insurance will also have to purchase enough coverage to meet this state requirement.
How long do I need an SR-22 in Colorado?
Depending on the offense that leads to it and any duration stipulations laid out by the state or court, you will need it for three to five years. Those who need an SR-22 due to a DUI may need the form for longer than others. The duration required will be set when the form is first requested.
How do I get SR-22 insurance in Colorado?
The first step is to ensure that you have at least the state’s mandatory minimum auto insurance coverage. Keep in mind that the SR-22 is an insurance verification form and not insurance in its own right. Once you meet this insurance level, contact your insurance company and request that they file an SR-22 form on your behalf. After a small filing fee, they will do so, and verification should arrive within a few weeks.
How much does SR-22 insurance cost in Colorado?
Filing fees can range from around $10 to $50. Beyond initial filing fees, these forms don’t have a specific cost. However, many of the offenses that lead to an SR-22 can also lead to insurance rate increases.
What happens if I don’t get an SR-22 in Colorado?
Driving without insurance will worsen the trouble that leads to needing an SR-22 in the first place. Ignoring this requirement can result in further fines, suspension of driver’s license, and possibly more significant charges.
What are the SR-22 alternatives in Colorado?
Colorado does not use any of the SR-22 form alternatives but instead uses the main SR-22.