Colorado non-owner SR-22 insurance
No car in your name? A non-owner policy still satisfies the Colorado Division of Motor Vehicles (DMV) filing and is usually the cheapest way to get your Colorado license back.
Call now for your Colorado SR-22 quote
A licensed agent quotes you on the phone and files with the state today — usually in under 10 minutes.
1-800-353-0545Mon–Fri 9am–7pm ET · Sat 10am–3pm ET
Can’t talk now? Request a callback insteadWhy Colorado ordered your SR-22
Colorado's DMV requires an SR-22 after DUI, DWAI, driving under restraint, an at-fault uninsured accident, habitual-offender status, or too many points in a 12-month window. The filing proves to the state that liability coverage is in force continuously.
Colorado minimum liability limits
Colorado requires 25/50/15. Many drivers with a DUI on record buy higher limits because assets are exposed in a second incident, but 25/50/15 is the legal floor your SR-22 must certify.
Interlock-restricted licenses
Colorado's early-reinstatement program is one of the most generous in the country. Install an approved ignition interlock, keep an SR-22 on file, and many first offenders return to the road after a single month of revocation instead of nine.
Altitude, mountain roads, and rates
Rates in Denver, Colorado Springs, and Aurora run above the statewide average because of claim frequency. Shopping several carriers matters more here than in low-density states — SR-22 quotes for the same driver routinely differ by $70 or more per month.
Colorado non-owner SR-22 FAQs
How long does Colorado require an SR-22?
Three years for DUI, DWAI, and most revocations; one year for a no-insurance conviction. The term runs from your reinstatement date, not the offense date.
Does Colorado allow early reinstatement after a DUI?
Yes. Colorado's interlock-restricted license program lets many first-time offenders drive after one month of revocation if they install an approved ignition interlock and carry an SR-22.
What is a DWAI in Colorado?
Driving While Ability Impaired applies at a BAC between .05 and .08. It carries points, fines, and often an SR-22 requirement, though penalties are lighter than a full DUI.
Will my Colorado SR-22 transfer if I move?
The obligation follows you. Colorado still requires the filing until the term ends, so you generally need an out-of-state policy whose carrier will file a Colorado SR-22.