DUI and Your Auto Insurance in Colorado

If you get charged with a DUI in Colorado, you may be required to get an SR-22. An SR-22 is a certificate of financial responsibility that proves you have auto insurance. Your insurance company files it with the Colorado Department of Revenue. You may need an SR-22 if convicted of certain traffic violations, including DUI. Here’s what you need to know about getting an SR-22 after a DUI in Colorado.

What is an SR-22?
An SR-22 is sometimes called a certificate of financial responsibility or an FR-44. It is a document that shows you have the minimum auto insurance required by your state. Your insurance company files it with the state department of revenue or motor vehicles. Some states require an SR-22 if you are convicted of certain traffic violations, including DUI. In Colorado, you may need an SR-22 if you are convicted of DUI, driving without insurance, or repeatedly violating traffic laws. If you are required to get an SR-22, your insurance company will notify the state and file the form on your behalf. The paper is then sent to you for your records.

How long do I need an SR-22? After a first-offense DUI conviction in Colorado, you must maintain your SR-22 for three years from reinstating your license. For subsequent offenses, the length of time increases to 5 years for a 2nd offense and seven years for a 3rd or more offenses. If you fail to maintain your insurance during this period, your insurer will notify the state, and your driver’s license will be suspended again. So it’s essential to make sure you keep up with your payments!

What is the cost of an SR-22? The cost varies depending on your insurance company. Still, typically there is a one-time filing fee of $25-$50 and then an increased monthly premium while the form is on file (usually around $25/mo). Some companies may require the total compensation for the policy period upfront. Be sure to ask your agent about pricing when shopping for a new policy or adding an SR-22 to an existing policy. And remember, even though it may be expensive, it’s still cheaper than getting caught driving without insurance!

If you are convicted of DUI in Colorado, you may be required to get an SR-22 to reinstate your driver’s license. An SR-22 is a certificate of financial responsibility that proves you have auto insurance. Your insurance company files it with the Colorado Department of Revenue. It typically costs around $25-$50 to file, plus an increased monthly premium while it is on file (usually about $25/mo). Remember, it’s essential to maintain continuous coverage during the time specified on your form or risk having your license suspended again!