Colorado SR-22 Insurance
Navigating the aftermath of a driving offense in Colorado? Breathe Easy Insurance helps you meet SR-22 requirements with ease, ensuring you comply with all legal obligations.
Understanding SR-22 Requirements in Colorado
The State of Colorado requires all drivers to carry liability insurance. The minimum liability insurance coverage amounts are:
- $25,000 bodily injury per person
- $50,000 bodily injury for two or more people
- $15,000 property damage
Under certain circumstances, the Colorado Department of Revenue will require you to file an SR-22 form after a license suspension or revocation. Depending on the situation, you may be required to have an SR-22 on file with the Colorado Division of Motor Vehicles from nine (9) months to three (3) years. Contrary to popular belief, an SR-22 is not a type of insurance but rather a certificate or rider that is filed with the Division of Motor Vehicles. An SR-22 shows that you will maintain the minimum liability coverage required by state law.
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When Do I Have to File an SR-22 Form in Colorado?
There are several reasons that the Department of Revenue could require you to file an SR-22 form. The most common is following a license suspension or revocation for Driving Under the Influence (DUI) or Driving While Ability Impaired (DWAI). If your license is suspended due to a DUI or DWAI, in addition to filing an SR-22, you will have to pay a reinstatement fee, satisfy all court requirements for reinstatement and may have to install an ignition interlock device (IID).
Colorado has harsh consequences for those convicted of DUI or DWAI. On a first offense, you could face jail time, high fines, public service requirements, probation and alcohol education or therapy.
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Colorado's Ignition Interlock Device (IID) Requirements
For those arrested on or after January 1, 2014, Colorado mandates IID installation for:
- A BAC of 0.15 or greater
- Multiple DUI/DWAI convictions
- Refusal to undergo BAC testing when requested by law enforcement
Voluntary IID installation is also an option for first-time offenders over the age of 21 with a BAC under 0.15, allowing for restricted driving privileges. Additionally, those with a revocation for a year or longer due to an alcohol-related offense can seek restricted privileges with voluntary interlock and completion of a Level II Education and Therapy.
What Happens if I Get a DUI in Colorado?
First DWAI
- Fines: $200 - $500
- Jail time: 2 days to 180 days
- Suspension: none
- Public Service : 24 hrs to 48 hrs
First DUI
- Fines: $600 - $1000
- Jail time: 5 days to 1 year
- Suspension: 9 months
- Public Service : 48 hrs to 96 hrs
Second DWAI
- Fines: $600 - $1500
- Jail time: 10 days to 1 year
- Suspension: 12 months
- Public Service : 48 hrs to 120 hrs
Second DWAI
- Fines: $900 - $1500
- Jail time: 90 days to 1 year
- Suspension: 12 months
- Public Service : 60 hrs to 120 hrs
FAQs About SR-22 in Colorado
An SR-22 is a certificate that proves you have the minimum required auto insurance coverage mandated by your state. It's often required for drivers who have been convicted of serious driving offenses like DUIs or driving without insurance.
The duration of SR-22 insurance requirements varies by state and the offense. Typically, it's required for a minimum of three years, but it can be longer depending on the circumstances. During this period, the insurance company will keep the state updated on your car insurance policy renewals and cancellations to ensure you maintain consistent coverage. Breathe Easy can help you understand the specific duration needed in your case.
You must maintain your SR-22 according to Colorado's requirements, even if you move out of state. Contact Breathe Easy Insurance to ensure your coverage transitions smoothly.
Allowing your SR-22 policy to lapse or canceling it prematurely can result in serious consequences, including license suspension or additional fines. It's crucial to maintain continuous coverage until your SR-22 requirement is fulfilled. This can be a challenge if your long-time insurance carrier decides to end your coverage after your DUI.
When you are done selecting your insurance plan, Breathe Easy can connect you with an Intoxalock representative for further assistance. They will answer any questions you have and help you get set up with an installation appointment at a convenient time.
Get Started on Your SR-22 with Breathe Easy Today!
Reclaim your driving privileges with Breathe Easy Insurance. Call 844-580-7525 for a free SR-22 quote and quick consultation. Our experienced agents make the process stress-free, helping you navigate Colorado's SR-22 and IID requirements. Drive legally and with peace of mind.
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