Cheapest SR-22 Car Insurance in Colorado

American National offers the cheapest car insurance for drivers with SR-22 in Colorado costing $728 per year for a minimum coverage policy. You'll save $1,736, or 59%, by choosing this provider. Upgrading to full coverage adds just $79 per month, bringing your annual premium to $1,677. 

State Farm, the most expensive on our list, costs $1,509 for minimum coverage, still 19% below the state average but $781 more than American National. SR-22 pricing in Colorado varies widely for insurance after serious driving violations, depending on how insurers assess cost and risk.

The table below shows the top five companies with the most affordable SR-22 insurance premiums in Colorado.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

American National dominates the affordable SR-22 market in Colorado, offering the lowest rates across most driver categories. The cost difference between violation types can be substantial. 

Drivers with a young driver suspension face the steepest premiums at $851 annually. On the other end, drivers with other violations pay just $625 per year, actually less than the base SR-22 rate.  

Your specific rate depends on your driving record and the type of violation that triggered your SR-22 requirement, though Colorado's relatively narrow $226 rate spread means consistent pricing across categories.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Winter Park residents enjoy the lowest rates at $511 annually with American National, while Aurora drivers pay $863—a difference of $352, or 69%. Your location in Colorado plays a major role in determining your SR-22 insurance rates.

Insurers use ZIP code data to assess local risk factors such as accident frequency, theft rates, and traffic levels. Regions with higher risks typically face higher SR-22 premiums.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Progressive ranks as the best car insurance provider for SR-22 filing because it offers the strongest combination of affordable rates, quality customer service and comprehensive coverage options, earning it the highest overall MoneyGeek score. For additional options, consider Farm Bureau, American National, GEICO and State Farm in your search.

To comply with Colorado laws, you must carry these minimum liability limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $15,000 property damage liability per accident

In the state, SR-22 certificates are usually required for three years. This period can extend to 5 years or more, depending on the violation and if there is noncompliance with requirements or repeated offenses.

While filing an SR-22 helps meet Colorado's basic insurance requirements, drivers must understand additional regulations that affect their coverage obligations.

In Colorado, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts 3 to 5 years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

Below are frequently asked questions about SR-22 certifications in Colorado:

MoneyGeek analyzed hundreds of thousands of quotes across Colorado to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

Colorado SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Colorado's minimum coverage requirements, with the following limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $15,000 property damage liability per accident

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.