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Colorado SR22 Insurance

What’s an SR22 in Colorado?

As with many other states, the Colorado Department of Revenue will require you to file an SR22 form if your license is suspended or revoked due to a severe traffic violation. While an SR22 is not a type of insurance, the form is filled with your auto insurance company and then shared with the state. This then proves to the Division of Motor Vehicle that you carry the minimum liability insurance coverage required in Colorado. The following outlines the minimum liability insurance mandated by the state:

  • $25,000 for bodily injury/death to one person
  • $50,000 for bodily injury/death to all persons
  • $15,000 for property damage

For How Long is an SR22 Required by Colorado?

How long you hold an SR22 for in Colorado depends on your conviction. In most cases, SR22 insurance filing is required for three years. According to the Colorado Department of Revenue, if you do not maintain the SR22, the Motor Vehicle Division will be notified by your insurance company and your license will be suspended.

When is an SR22 Necessary to File?

Such traffic violations that require an SR22 filing with your auto insurance vary from state to state. There may be multiple reasons it is required. For the state of Colorado, an SR22 form is mandated after license suspension or revocation following one of these traffic violations:

  • Driving under the influence (DUI)
  • Driving while ability impaired (DWAI)
  • Driving with a suspended license
  • Reckless driving
  • Driving without insurance

An SR22 filing with insurance companies is most commonly mandated after a DUI or DWAI conviction. On top of the SR22, you will be required to pay a reinstatement fee, complete all court requirements, and may have to install an ignition interlock device (IID) to receive driving privileges. Also, keep in mind, due to the SR22 filing with your insurance company, you are now considered a “high-risk” driver.

DUI Conviction in Colorado

Colorado has some strict alcohol or drug-related conviction laws. Even after just your first offense, you can face jail time, fines, and public service requirements in addition to the previously outlined mandatory SR22 insurance filing. The chart below outlines what may be in store for you in the event of such conviction. It’s also worth noting that, according to Colorado law, even if you do not meet Colorado’s standard to be considered a persistent drunk driver (BAC of at least 0.08), you can still face a license suspension period anywhere from 9-24 months depending on your history.

Consequences
1st Offense
2nd Offense
3rd Offense
Jail Time
2 days-180 days (DWAI)
5 days-1 year (DUI)
10 days-1year (DUI or DWAI w/previous)
Fines
$200-$500 (DWAI)
$600-$1000 (DUI)
$600-$1500 (DWAI or DUI w/previous)
License Suspension
None (DWAI)
9 months (DUI)
12 months (DUI or DWAI w/previous)

Depending on your DUI conviction and personal history, you can be eligible for a restricted driver’s license following the installment of an IID in your vehicle. When you may apply and how long you will need the IID depends on the circumstances of your case. For example, after a first-time DUI conviction with a BAC under 0.15, you have to wait one month after your license suspension to apply for a restricted driver’s license. With that, an IID needs to be kept on your vehicle for around eight months, according to the Colorado Department of Revenue. Reinstatement is on a case-by-case basis and requires the filing of an SR22 form with your auto insurance company.

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