Post-SR22 Auto Insurance in Colorado
Colorado requires 25/50/15 liability coverage and is an at-fault state.
Compare Rates 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
Drivers convicted of DUI, multiple violations, uninsured accidents, or license suspensions typically receive an SR-22 requirement from the Colorado Division of Motor Vehicles lasting 3 years. Once the SR-22 period ends, drivers enter a recovery phase where rates decrease gradually—but only if you actively shop, as most carriers won't lower rates automatically.
Liability Insurance
Full Coverage
Uninsured Motorist Coverage
SR-22 Insurance
Comprehensive Coverage
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 surcharges persist 5–7 years; minor violations clear faster
- Vehicle type—comprehensive and collision costs vary significantly based on repair costs and theft rates for your specific make/model
Shop Again Now That Your Filing Has Ended
Compare Rates 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's 25/50/15 minimums are insufficient for serious accidents—medical claims from a multi-vehicle crash can exceed $100,000, leaving you personally liable for the difference.
Full Coverage
Bundles liability, collision, and comprehensive into one policy. Required by lenders, recommended for anyone who can't afford to replace their vehicle out-of-pocket after an accident or total loss.
Comprehensive Coverage
Pays for non-collision damage—hail, theft, vandalism, fire, and animal strikes. Deductibles typically range $250–$1,000; lower deductibles increase premium but reduce out-of-pocket cost at claim time.
Uninsured Motorist Coverage
Protects you if you're hit by a driver with no insurance or insufficient coverage. Covers your medical bills, lost wages, and vehicle damage up to your policy limits when the at-fault driver can't pay.
SR-22 Insurance
SR-22 is a certificate your insurer files with the state confirming you carry at least minimum liability coverage. It's not a separate policy—it's added to your existing auto insurance for drivers with specific violations.
Non-Standard Auto Insurance
Specialized coverage for drivers with violations, lapses, or SR-22 requirements who can't qualify for standard carriers. Non-standard insurers accept higher-risk profiles but charge elevated premiums and offer fewer discounts.