Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications and websites across the United States.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Auto Insurance Agent

UPDATED: Nov 2, 2020

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What is SR-22 Car Insurance?

Colorado SR-22 is a form that will be filed to prove fiscal responsibility of a driver in the event of an accident. This is also a way that a driver can prove that they have in fact been maintaining continuous liability coverage if documentation is required. A driver will need to initiate the filing by contacting an insurance carrier- who will then file the form with the Motor Vehicle Division.

Six major factors affect car insurance rates in Colorado. Which auto insurance factors will affect SR-22 rates the most? Typically that’s a CO DUI but it could be in constant influx because of road violations, tickets, and other infractions that add up.

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Who Needs SR-22 Car Insurance?

High-risk drivers such as those with numerous speeding tickets, reckless driving violations or driving under the influence judgments will need to file an Colorado SR-22 auto insurance form. Those drivers who are seeking to have their licenses reinstated once revoked will also need to file, as well as those who have insurance suspensions. Additionally, those drivers with 12 or more demerit points on their license and those who have safety responsibility suspensions will be required to obtain Colorado SR-22 forms.

Are There Different Types of Colorado SR-22 Forms?

In Colorado, there are three different types of SR-22 forms. An Owner-Operator Certificate is used to cover fiscal responsibility for any vehicle that is either owned by, or driven by a motorist. In addition to that there are separate forms for those who do not own a vehicle- this is known as the Operator’s Certificate, and those who do own a vehicle: the Owner Certificate.

Is SR-22 Car Insurance Required in Colorado?

Because the State of Colorado requires 25/50/15 liability coverage- yes, SR-22 insurance is required. Those motorists who must obtain Colorado SR-22 forms will need to carry the coverage for at minimum, 36 months. Those who allow the coverage to lapse will be reported to the Department of Motor Vehicles and may face suspensions, fines or imprisonment.

How Do I File a Colorado SR-22 Car Insurance Form?

Drivers who need to file a Colorado SR-22 auto insurance form will need to find an authorized auto insurance carrier that offers the forms. Once a small fee is paid, usually at the time of paying the premium, the insurance carrier will file the form with the State of Colorado. Fill out the form here to find great quotes on Colorado SR-22 car insurance today.