Colorado SR-22 Insurance (2026): Cost & Cheapest Companies After a DUI
After a Colorado DUI or DWAI, DMV requires an SR-22 filing for anywhere from 9 months to 3 years depending on your revocation type. The certificate is inexpensive — the premium surcharge is the real cost, and comparing carriers before you commit is the fastest way to lower it.
| What it is | Certificate your insurer files with CO DMV proving you carry state-minimum liability coverage |
| Duration — 1st offense (9-mo revocation) | 9 months |
| Duration — 1-year revocations | 1 year |
| Duration — 2-year+ revocations / BAC 0.15+ (PDD) | 3 years |
| Filing fee | $15–25 (the certificate; the premium surcharge is the real cost) |
| Typical premium, first DUI | ~$120–200/mo vs. ~$60–90 for a clean-record driver |
| Minimum liability limits | 25/50/15 ($25k bodily injury / $50k per crash / $15k property damage) |
| If it lapses | Insurer notifies DMV → license suspended → reinstatement fees → clock may reset |
How much SR-22 costs in Colorado
The SR-22 filing fee is only $15–25. The real cost is the DUI premium surcharge — a first-DUI Colorado driver typically pays $120–200/month for minimum coverage, versus $60–90 with a clean record. For Persistent Drunk Drivers (BAC 0.15+) on a 3-year filing, the difference between carriers over that term can easily exceed $3,000. Comparing quotes at the start — and again at each annual renewal — is genuinely worth the time.
Cheapest SR-22 carriers in Colorado
Most standard insurers don’t write SR-22 policies. The market concentrates among carriers that specialize in higher-risk coverage, and quotes for the same driver routinely differ by 200% or more. Starting points for 2026:
| Carrier | Notes |
|---|---|
| State Farm | Often the most competitive standard carrier for a first DUI in Colorado |
| Progressive Specialty | Strong non-standard market presence statewide; frequently competitive after DUI |
| Allstate | Broad Colorado availability, competitive for single-offense records |
| Bristol West / Kemper Specialty | Non-standard carriers that routinely write SR-22 policies |
Availability and pricing depend on your driving record, county, and vehicle. Compare multiple carriers before buying.
How to file an SR-22 in Colorado
Your insurer handles the filing — not you. The process:
- Buy a policy from a carrier that writes SR-22s in Colorado.
- Request the SR-22 filing — most carriers submit to DMV electronically, often same day.
- Keep the policy active without any lapse for your full required period (9 months, 1 year, or 3 years).
- When the term ends, confirm with your insurer that the SR-22 obligation is closed before canceling coverage.
The DMV reinstatement fee for a DUI revocation is $95, paid directly to DMV — separate from your insurance costs.