What is SR22 and what does it mean in Colorado?

In Colorado, an SR22 certificate is necessary for drivers who’ve had their licenses suspended or revoked due to severe traffic offenses. It’s a form filed with the state’s DMV by an insurance company to prove the driver has adequate auto insurance coverage as required by law.

Drivers may need an SR22 after incidents like DUI convictions, driving uninsured, or committing multiple traffic violations. This certification indicates to both the state and insurance companies that the driver is considered high-risk. Insurance premiums for drivers with an SR22 requirement are typically higher. Colorado law requires such drivers to maintain the SR22 for a specific period, often three years, without any insurance lapses to avoid further license suspension.

Finding affordable insurance with an SR22 filing in Colorado may require comparing quotes from various insurers. Over time, improving one’s driving record can help reduce the label of “high risk” and decrease insurance costs.