Colorado SR22 Insurance
Colorodo SR22 Explained
If you are required to file an SR22 for the State of Colorado, contact an insurance agent who is licensed to sell insurance in Colorado. You will be required to carry state minimum liability limits and continue the insurance policy for the duration of your specific court requirement.
Most insurance companies will electronically submit your SR22 to the Colorado Division of Motor Vehicles. You can deliver the form in person to 1881 Pierce Street in Lakewood, Colorado.
How to Get Your Colorado Driver's License Reinstated Quickly:
Do not let the insurance policy lapse or cancel as the provider will notify the state and your license will be suspended again. The Colorado SR22 is an add on to a standard auto insurance policy that guarantees the state will be notified of any change in status and is commonly referred to as a future financial responsibility filing. You can change insurance companies but be sure to get a new Colorado SR22 filed before the old one is cancelled.
What Violations Require an SR22 Filing in Colorado?
Below are a list of violations that may require you to file a Colorado SR22 with the department of motor vehicles. This is not an exhaustive list but includes the most common violations:
- Failure to drive with proper liability insurance
- Driving under the influence of alcohol and/or drugs
- Refusal to take chemical BAC test
- Failure to pay child support
- Vehicular homicide or vehicular assault conviction
Colorado SR22 Requirements
The state of Colorado requires liability insurance to protect other drivers in the event of an accident. In most cases you will need to maintain the SR-22 for a period of three years but it can be as long as five years. Colorado law has minimum SR22 liability limits as follows:
- $25k Per Person Bodily Injury
- $50k Per Accident Bodily Injury
- $15k Property Damage
While these limits are minimum they are rarely recommended levels of coverage. Ask your insurance agent what they recommend based on your financial position.
Suspended License Information and Requirements
License suspension and revocation information is shared with all 50 states. You cannot issue a driver's license if you have an active suspension. There is no notification when the suspension has ended as that information is on the letter you receive when action is first taken. In order to reinstate your license know your eligibility date and specific reinstatement requirements. This information can be found on the letter or from the information at the court hearing. Some reinstatements can be done at local Driver's License offices such as:
- Unpaid Tickets
- Child Support
- Point Suspensions
If you are mailing in an application be sure to complete the Application for Reinstatement and include a check or money order for $95 plus any specific requirements like an SR22.
What is an Administration Insurance Suspension?
If you are unable to produce proof of liability insurance during a routine traffic stop the officer will issue you a Notice of Suspension. This notice is valid for 7 days and you will need to request a hearing and bring proof of insurance to the hearing.
In the event you are unable to show that you had liability insurance during the traffic stop you will need to complete an application for reinstatement, pay the $95 fee, and show proof of insurance.
Driving Under the Influence (DUI) in Colorado
Action will be taken against the driver after a conviction in court for Driving Under the Influence of a Controlled Substance (drugs or alcohol) or if convicted of being a habitual user of a controlled substance. There is a license revocation order for 1-year following a conviction. Once that period has expired as well as any others the driver can begin the process of getting their license reinstated. Reinstatement requirements are, but not limited to:
- Complete the Application for Reinstatement and submit the form to the DMV
- Pay the $95.00 reinstatement fee (check/money order payable to the Department of Revenue)
- You may be required to carry a SR22 for 3 years from the date of reinstatement
- You may be required to take an eye, written, and driving test to have a new license issued to you
2010 Colorado DUI Law Change - Effective July 1, 2010
House Bill 10-1347 - If you are a repeat offender there is now mandatory imprisonment plus other restrictions imposed. Minimum jail time for second offense is ten days but can be longer. Jail time can reach sixty days for the third or more offenses. Read more about Colorado DUI Law.
Required to get an Ignition Interlock Device?
The state of Colorado will require you to obtain an Ignition Interlock Device if:
- License has been revoked because you were convicted for two (2) alcohol related driving offenses within five (5) years
- License has been revoked because you were convicted of three (3) alcohol related driving offenses in your driving lifetime
- License has been revoked because you have been designated a Habitual Traffic Offender and you have at least one conviction that was alcohol related
- Last offense occurred after 07/01/2000
- BAC level was 0.17% or more at the time of the police stop (for all stops after 01/01/2007)
Where Can I Get an Ignition Interlock Device in Colorado?
Here is a list of approved IID installers:
- Guardian Interlock Systems - (800) 499-0994
- National Interlock Services - (800) 475-5490
- Smart Start, Inc - (800) 880-3394
