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SR-22 Insurance for Non-Owners in Colorado
Key takeaways
- DWAI, Colorado's lower-level impaired driving offense, also often triggers an SR-22.
- Interlocks are common after alcohol offenses.
- Colorado insurance prices are above average.
Colorado requires an SR-22 after DUI and DWAI offenses, uninsured violations and habitual-traffic-offender revocations. Expect a three-year filing in most cases.
- Form required
- SR-22
- Liability minimum
- 25/50/15
- How long
- Typically 3 years
- Who processes it
- Colorado Division of Motor Vehicles
How to get a non-owner SR-22 in Colorado
- Check requirements with the Colorado DMV
- Buy a non-owner policy at 25/50/15
- Have the SR-22 filed
- Handle the interlock requirement if it applies
- Pay reinstatement fees
What makes Colorado different
Colorado's DWAI (driving while ability impaired) is a lower-level offense than DUI, but it can still lead to an SR-22. Many reinstatements also include an interlock, so non-owners should ask about their options.
Colorado questions drivers ask
Does a DWAI require an SR-22 in Colorado?
Often, yes.
Why is Colorado insurance expensive?
Weather-related claims, rising repair costs and population growth all push prices up.
State rules change. Confirm your requirements with the Colorado Division of Motor Vehicles before you buy a policy.