Colorado SR-22 & High-Risk Auto Insurance
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
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Colorado
Drivers convicted of DUI, driving without insurance, accumulating excessive points, or causing an at-fault accident while uninsured typically must file SR-22 proof of financial responsibility with the Colorado Division of Motor Vehicles. The SR-22 requirement generally lasts 3 years from reinstatement date, and any coverage lapse restarts the filing period. These minimums may be insufficient for high-risk drivers facing lawsuit exposure from prior incidents.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Non-Standard Auto Insurance
Full Coverage
What Drivers Pay in Colorado
$322–$343/mo
Typical monthly rate in Colorado, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Non-standard carrier availability: Colorado has fewer non-standard carriers than neighboring states, limiting competition and keeping high-risk rates elevated
- Filing duration compliance: Drivers who maintain continuous SR-22 for 3 years without lapses can transition back to standard carriers at reduced rates
Put Your Record Up Against Every Rate
Compare Rates for Your Driving RecordCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. Colorado's 25/50/15 minimums may not cover medical bills or vehicle damage in serious crashes, leaving high-risk drivers personally liable for the difference.
SR-22 Insurance
Certificate filed by your insurer with the Colorado DMV proving you maintain continuous liability coverage. Required for DUI, uninsured driving, and certain suspensions for typically 3 years.
Non-Standard Auto Insurance
Specialized coverage for drivers with DUI, SR-22, multiple violations, or lapses who cannot obtain standard-market policies. Non-standard carriers accept higher risk in exchange for elevated premiums and stricter payment terms.
Uninsured Motorist Coverage
Protects you if hit by a driver with no insurance or insufficient coverage to pay for your injuries and vehicle damage. Colorado requires insurers to offer UM coverage matching your liability limits.
Full Coverage
Combines liability, comprehensive, and collision to cover both your legal obligation and your own vehicle damage. Required by lenders if financing or leasing a vehicle.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, minus your deductible. Non-standard carriers may exclude collision for the first policy term if you have recent at-fault accidents.