How Does SR22 Insurance Work in Colorado: A Handy Guide

According to the National Highway Traffic Safety Administration, the highest percentage of drunk drivers in 2017 were 21- to 24-year-olds at 27 percent and 25- to 34-year-olds at 26 percent. Figuring out your insurance is hard enough at a young age, but when you factor in needing to obtain SR22 insurance, it becomes nearly impossible. If you’re wondering how SR22 insurance works in Colorado, we’ve got the information to help you navigate this process.

Why would you need an SR22

SR22 insurance is for those who commit serious violations while behind the wheel. By definition, those who need it are high-risk drivers. There are several reasons you would need SR22 insurance, including:

• Driving under the influence
• Uninsured drivers found at fault in a car accident
• Reckless driving
• Drivers caught with a suspended or revoked license

While it might feel restrictive, SR22 forms allow those who have had these issues to still be able to obtain insurance and drive.

How does SR22 insurance work in Colorado

Technically, the SR22 is a form, and the amount of time you need to have it on file will vary. In Colorado, the average requirement is three years. However, these requirements may vary depending on the offense—they can fall anywhere between three months to three years. For those who are first-time drunk driving offenders, according to Colorado Statute 42-2-132.5(4)(b)(II), a judge will have the option to shorten the filing time frame to as little as four months. It will vary on a case-by-case basis, so be cognizant of your own particular situation.

Finding SR22 insurance

The filing process can be confusing but don’t fret—with Serenity Group’s help, filing will be much simpler. With over 25 years of experience, we’re able to help you reinstate your license at the best price possible. Best of all, we provide auto insurance, motorcycle insurance, boat insurance, and many other options in order to best suit your particular needs.

If you need to fill your SR22 in Colorado, there’s no reason to stress. While it can seem daunting, with the right help, you’ll be on your way to securing insurance in no time.