Colorado SR-22 Insurance After DUI
Colorado requires 25/50/15 liability coverage and is an at-fault state.
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Colorado 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
$95
State license reinstatement fee, about 20 days to process
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Colorado
Colorado operates under a tort liability system, meaning the at-fault driver's insurance pays for damages. The state requires continuous proof of insurance, and a DUI conviction triggers mandatory SR-22 filing with the Colorado Division of Motor Vehicles. The 3-year filing period typically starts from your conviction date, not your reinstatement date, and any lapse in coverage restarts the entire clock.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
SR-22 Certificate of Financial Responsibility
What Drivers Pay in Colorado
$330–$481/mo
Typical monthly rate in Colorado, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- Conviction class determines filing duration: first-offense standard DUI requires 3 years, aggravated DUI often extends to 5 years, and repeat-offense DUI can trigger permanent SR-22 requirements in Colorado.
- Carriers offering DUI-SR-22 policies in Colorado include Bristol West, Dairyland, Direct Auto, GAINSCO, The General, Safe Auto, and Acceptance, with state-specific underwriting rules that vary by conviction class and county.
Find an Insurer That Will File After a DUI
Get SR-22 Coverage After a DUIIf your license is suspended
Probationary Driver License (Red License)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 filing after a DUI in Colorado?
Colorado requires SR-22 filing for 3 years after a first-offense standard DUI, measured from your conviction date, not your reinstatement date or the date you first file SR-22. Aggravated DUI convictions can extend the filing period to 5 years, and repeat-offense DUI may trigger permanent filing requirements. Any lapse in coverage restarts the 3-year clock from zero.
Which insurance companies write SR-22 policies after DUI in Colorado?
Most mainstream carriers including State Farm, Geico, Allstate, and Progressive will file SR-22 for existing customers but typically non-renew at policy term. New SR-22 policies after DUI are written by non-standard carriers including Bristol West, Dairyland, Direct Auto, GAINSCO, The General, Safe Auto, and Acceptance, with availability varying by county and conviction class.
Does Colorado accept SR-22 filing from out-of-state insurance?
No, Colorado requires SR-22 filing from a carrier licensed to write policies in Colorado and electronically connected to the Colorado Division of Motor Vehicles. If you move to Colorado with an active SR-22 requirement from another state, you must cancel your out-of-state policy and secure a new Colorado SR-22 policy within 30 days of establishing residency to avoid license suspension.
When does the SR-22 filing period start in Colorado?
Colorado's 3-year SR-22 filing period starts from your DUI conviction date, not the date you file SR-22 or the date your license is reinstated. If you are convicted January 1, 2025, your filing period ends January 1, 2028, even if you do not file SR-22 or reinstate your license until months later. Delays in filing do not extend the end date but do extend how long you remain unlicensed.
Coverage Types
SR-22 Insurance
The SR-22 filing certifies you carry continuous liability coverage and electronically notifies the Colorado DMV if your policy lapses. It is required for DUI convictions, reckless driving, driving without insurance, and license suspension cases.
Non-Owner SR-22
Liability-only policy for drivers who do not own a vehicle but must maintain SR-22 filing to satisfy license reinstatement requirements. Covers you when driving borrowed or rental vehicles.
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. Colorado requires 25/50/25 minimum limits, but post-DUI drivers are often sold higher limits because Colorado's tort system allows injured parties to pursue personal assets beyond policy limits.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when you are hit by a driver with no insurance or insufficient coverage. Colorado requires carriers to offer this coverage, and it is added automatically unless you reject it in writing.
Non-Standard Auto Insurance
Policies written for drivers with DUI convictions, suspended licenses, or high-risk driving records. Non-standard carriers specialize in SR-22 filing and accept drivers most major carriers non-renew.