SR22 Insurance FAQ — Everything Colorado and Aurora Drivers Need to Know

SR22 is not a type of insurance — it is a certificate of financial responsibility that your insurance carrier files with the Colorado DMV on your behalf. It certifies you carry at least Colorado's minimum required liability coverage (25/50/15). You must have an active insurance policy for an SR22 to be issued.

The Colorado DMV will notify you by mail. Common triggers include DUI or DWAI conviction, reckless driving, driving without insurance, at-fault accidents while uninsured, and accumulating 12+ license points in 12 months.

SR22 is Colorado's standard certificate of financial responsibility. FR44 is used primarily in Florida and Virginia and requires higher liability limits. For most Colorado drivers, SR22 applies.

SR22 in Colorado has two components: a one-time filing fee ($15–$35) and a monthly insurance premium. Premiums in Aurora range from $60–$120/mo for non-owner policies to $85–$200+/mo for owner policies. Post-DUI SR22 typically runs $130–$185/mo.

Yes. SR22 drivers are classified as high-risk, so premiums are higher than standard auto insurance. As your SR22 period progresses without new violations, some carriers will reduce your premium. At the end of your 3-year obligation, you can transition to a standard policy at significantly lower rates.

Yes. Maintain a clean record, complete a defensive driving course, pay in full rather than monthly, and avoid new violations. Prime SR22 Insurance reviews your rate annually to see if a better carrier option is available.

Colorado requires SR22 for three years from your license reinstatement date in most cases. The clock starts when you reinstate — not your arrest or conviction date.

Colorado requires SR22 policies to carry at minimum: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $15,000 property damage per accident (25/50/15).

Colorado's SR22 requirement doesn't simply end if you move. Your Colorado license may still require ongoing compliance through a carrier licensed in both states. Contact Prime SR22 Insurance before any out-of-state move.

Yes, but with no gap in coverage. Your new carrier must file a new SR22 before your current carrier cancels the existing one. Prime SR22 Insurance handles carrier switches seamlessly.

A non-owner SR22 provides liability coverage for drivers who don't own a vehicle but need to satisfy Colorado's SR22 requirement to reinstate their license. If you rely on RTD transit, ride-share, or borrowed vehicles, a non-owner SR22 is typically the most affordable path to reinstatement.

Generally yes. Non-owner policies typically cost $20–$40/mo less than equivalent owner policy rates. Aurora drivers on non-owner SR22 usually pay $60–$120/mo.

Your carrier immediately notifies the Colorado DMV, which re-suspends your license and may restart your three-year obligation clock. Call Prime SR22 Insurance the moment you receive any cancellation notice.

We monitor your SR22 filing period and send renewal reminders before your policy expires. We are also available 24/7 to help you switch carriers before any lapse takes effect.

Check your reinstatement status at mycar.colorado.gov or call the Colorado DMV. Prime SR22 Insurance also tracks your filing period and will notify you as your obligation approaches its end.