
Affordable SR-22 Coverage Made Simple
SR-22 Insurance in Colorado
Navigating the aftermath of a driving offense in Colorado? Breathe Easy Insurance helps you meet SR-22 requirements with ease, ensuring you comply with all legal obligations.
Understanding SR-22 Insurance in Colorado
If you’ve been identified as a high-risk driver in Colorado due to a DUI, reckless driving, or driving without insurance, you may be required to file an SR-22 certificate to reinstate your driving privileges. SR-22 insurance is not an insurance policy itself but a certificate of financial responsibility proving that you meet Colorado's state-mandated minimum liability coverage requirements.
At Breathe Easy Insurance, we specialize in helping drivers secure affordable SR-22 insurance in Colorado, including non-owner policies for those who don’t own or have regular access to a vehicle. With our expertise, you can find affordable SR-22 insurance in Colorado while ensuring compliance with state requirements.
Key Features of Colorado SR-22 Insurance
Minimum Liability Coverage Requirements
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $15,000 minimum
Drivers Required to Carry SR-22 Insurance
These types of drivers are commonly required to file an SR-22 in Colorado:
- Drivers convicted of DUIs or DWIs
- Individuals caught driving without insurance
- Repeat traffic offenders or those involved in serious at-fault accidents
SR-22 Filing and Compliance
If required, your SR-22 certificate must be filed electronically with the Colorado Department of Motor Vehicles (DMV) by your insurance provider.
A lapse in coverage can result in license suspension and additional penalties.
Duration of SR-22 Requirement
SR-22 insurance is typically required for a minimum of 9 months but can be up to 3 years depending on your case and the violation.
Get Your Colorado SR-22 Quote Today
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Non-Owner SR-22 Insurance in Colorado
If you’re required to file an SR-22 but don’t own or have regular access to a vehicle, a non-owner SR-22 insurance policy is the solution.
What is Non-Owner SR-22 Insurance?
- Provides liability coverage for drivers who occasionally borrow or rent vehicles.
- Excludes coverage for vehicles owned by the driver or frequently used, per policy terms.
- Typically less expensive than traditional SR-22 policies since it offers limited coverage.
Non-owner SR-22 insurance is ideal for individuals who borrow vehicles from friends or family, use ridesharing services or rental cars, or need to meet Colorado SR-22 insurance requirements without owning a vehicle.
At Breathe Easy Insurance, we have expertise in providing non-owner SR-22 policies tailored to fit your lifestyle and budget.

How Much Does SR-22 Insurance in Colorado Cost?
The cost of SR-22 insurance in Colorado varies depending on your driving history, location, age, and other factors. While the SR-22 filing fee is as low as $25, the cost of the insurance policy itself may increase due to your high-risk status. Factors that affect the cost if SR-22 Insurance include:
- Driving history: Past violations, accidents, or DUIs can lead to higher premiums.
- Type of vehicle: More expensive cars typically cost more to replace or repair, so their cost of coverage is typically higher.
- Insurance provider: Rates vary between companies, which is why Breathe Easy Insurance works with multiple carriers to secure the cheapest SR-22 insurance in Colorado.

Consequences of Failing to Comply with Colorado SR-22 Insurance Requirements
Failing to meet Colorado’s SR-22 insurance requirements can result in:
- Suspension or revocation of your driver’s license
- Hefty fines and additional penalties
- Increased insurance costs in the future
Don’t let a mistake on the road keep you from moving forward. Breathe Easy Insurance is here to help you regain your driving privileges and meet Colorado’s SR-22 requirements.
What Happens if I Get a DUI in Colorado?
First DWAI
- Fines: $200 - $500
- Jail time: 2 days to 180 days
- Suspension: none
- Public Service : 24 hrs to 48 hrs
First DUI
- Fines: $600 - $1000
- Jail time: 5 days to 1 year
- Suspension: 9 months
- Public Service : 48 hrs to 96 hrs
Second DWAI
- Fines: $600 - $1500
- Jail time: 10 days to 1 year
- Suspension: 12 months
- Public Service : 48 hrs to 120 hrs
Second DWAI
- Fines: $900 - $1500
- Jail time: 90 days to 1 year
- Suspension: 12 months
- Public Service : 60 hrs to 120 hrs
FAQs About SR-22 in Colorado
What is an SR-22?
An SR-22 is a certificate that proves you have the minimum required auto insurance coverage mandated by your state. It's often required for drivers who have been convicted of serious driving offenses like DUIs or driving without insurance.
How Long Do I Need to Have SR-22 Insurance?
The duration of SR-22 insurance requirements varies by state and the offense. Typically, it's required for a minimum of three years, but it can be longer depending on the circumstances. During this period, the insurance company will keep the state updated on your car insurance policy renewals and cancellations to ensure you maintain consistent coverage. Breathe Easy can help you understand the specific duration needed in your case.
What if I move out of Colorado while I have an SR-22?
You must maintain your SR-22 according to Colorado's requirements, even if you move out of state. Contact Breathe Easy Insurance to ensure your coverage transitions smoothly.
What happens if I let my SR-22 policy lapse?
Allowing your SR-22 policy to lapse or canceling it prematurely can result in serious consequences, including license suspension or additional fines. It's crucial to maintain continuous coverage until your SR-22 requirement is fulfilled. This can be a challenge if your long-time insurance carrier decides to end your coverage after your DUI.
What are the next steps for getting an ignition interlock device?
When you are done selecting your insurance plan, Breathe Easy can connect you with an Intoxalock representative for further assistance. They will answer any questions you have and help you get set up with an installation appointment at a convenient time.
Why Choose Breathe Easy Insurance for SR-22 Coverage in Colorado?
Fast Filing
Affordable Rates
Expert Guidance
Non-Owner Options
Get Your Colorado SR-22 Insurance Quote Today
Whether you need a standard or non-owner SR-22 insurance policy, Breathe Easy Insurance is here to make the process simple and affordable. Don’t let SR-22 requirements hold you back—contact us today for a free, no-obligation quote.
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