Colorado SR-22 Insurance After DUI or Suspension
Colorado requires 25/50/15 liability coverage and is an at-fault state.
Get Quotes Based on Your RecordColorado 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
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Colorado
Drivers convicted of DUI, caught driving uninsured, or involved in at-fault accidents without insurance must file SR-22 proof of financial responsibility with the Colorado Division of Motor Vehicles. High-risk drivers typically need coverage above minimums to meet SR-22 requirements and protect against personal liability, especially given Colorado's comparative negligence rules that can expose assets in multi-vehicle accidents.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
What Drivers Pay in Colorado
$322–$343/mo
Typical monthly rate in Colorado, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
Get a Rate That Matches Your Record Today
Get Quotes Based on Your RecordCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an accident. Colorado requires 25/50/15 minimums, but high-risk drivers should strongly consider 50/100/50 or higher to avoid personal liability exposure after a second violation.
SR-22 Insurance
An SR-22 certificate proves to the Colorado DMV you carry continuous liability coverage for 3 years after qualifying violations. Your insurer files electronically and must notify the DMV immediately if your policy lapses, triggering automatic license suspension.
Non-Standard Auto Insurance
Specialized coverage for drivers with DUIs, suspensions, or multiple violations that standard carriers decline. Non-standard insurers offer SR-22 filing, flexible payment plans, and coverage maintenance through your 3-year requirement period.
Uninsured Motorist Coverage
Pays for your injuries when hit by a driver without insurance or with insufficient coverage. Colorado does not require UM/UIM but has above-average uninsured driver rates of 13–14%, making this coverage a cost-effective hedge at $8–$18/mo.
Full Coverage
Combines liability, comprehensive, and collision to cover both your legal obligations and vehicle repairs or replacement. Required by lenders for financed vehicles and recommended for any car worth more than $4,000–$5,000.
Collision Coverage
Pays to repair or replace your vehicle after an accident regardless of fault. Critical for high-risk drivers with financed vehicles who cannot afford to replace a totaled car out-of-pocket while still making loan payments.