A Brief Look at SR22 Insurance in Colorado

A Brief Look at SR22 Insurance in Colorado

Several severe driving offenses in Colorado are punishable by license revocation. In order for a high-risk driver to comply with Colorado law and reinstate their driver’s license, they must file for SR22 insurance. Review this brief look at SR22 insurance in Colorado to better understand the filing process.

Who Needs SR22 Insurance in Colorado?

SR22 insurance is a requirement for Colorado drivers whose driving privileges have been revoked or suspended due to certain traffic violations. SR22 insurance is not an actual insurance policy but rather a verification of purchased minimum coverage from an auto insurance company. Some common reasons why a high-risk driver would require SR22 insurance include:

  • Receiving a DUI
  • Driving without insurance
  • Driving with a suspended license
  • Driving recklessly

How Does SR22 Insurance Work in Colorado?

The process begins when your insurance company files an SR22 certificate with the Colorado Department of Motor Vehicles (DMV) on your behalf. This certificate confirms your existing auto insurance policy and serves as proof that you meet Colorado’s minimum liability coverage. Colorado drivers must have a minimum coverage of $25,000 for injury to one person, $50,000 for injury to two or more people, and $15,000 for property damage.

It’s important to maintain uninterrupted SR22 coverage for a period determined by the state of Colorado, which can be up to three years. If your policy lapses or is canceled, your insurer is obligated to notify the DMV, which may result in a suspension of your driving privileges.

How Can You Find SR22 Insurance in Colorado?

Not every auto insurance company will issue a policy to a high-risk driver. Furthermore, a severe driving offense on your record will increase your monthly insurance premium. Fortunately, finding cheap SR22 insurance in Colorado doesn’t have to be a challenge when you work with Serenity Group.

Our team of insurance specialists can help you obtain an affordable policy and navigate the process of reinstating your driver’s license. As you can see from this brief looks at Colorado’s SR22 insurance, meeting the necessary requirements can be a straightforward path to getting back on the road legally and safely.