Colorado Non-Owner SR-22 Insurance
Not owning a car has its advantages. You don’t have to worry about upkeep, and you don’t have to pay registration fees. However, even if you don’t own a car, you might still drive in the state of Colorado. If you’re a high-risk driver without a car who needs to reinstate your license, you may need to get non-owner insurance in Colorado.
What Is Non-Owner SR-22 Insurance?
Non-owner SR-22 insurance is a liability-only certificate that proves you have the state’s minimum insurance coverage. Colorado requires high-risk drivers who don’t own a vehicle to show this proof of insurance. If you’ve had your license suspended, you’ll need to produce an SR-22 to get it reinstated.
High-risk drivers may include those who have been in multiple accidents over a short period or someone who has many points on their license. This category also includes people who’ve been caught driving without insurance or who have a DUI or DWI.
Do I Need Colorado Non-Owner SR-22 Insurance Coverage?
If you need to get your driver’s license reinstated in Colorado because of a previous violation, you’ll need to show an SR-22 certificate. Only people who don’t have cars can obtain non-owner insurance.
How Do I Get SR-22 Non-Owner Insurance?
You can get your SR-22 when you sign up for auto insurance from a licensed carrier. Your provider will send the relevant information to the Colorado Department of Motor Vehicles (DMV).
Colorado Non-Owner SR-22 Insurance Requirements
If you need an SR-22, you have to carry these limits, per Colorado law:
- Bodily injury per person: $25,000.
- Bodily injury per occurrence: $50,000.
- Property damage: $15,000.
As soon as you pay for your insurance policy, the carrier will alert the state that you have valid auto insurance, electronically transmitting the SR-22 certificate. If you cancel the policy, the DMV will receive an alert just as quickly. If you don’t already have another policy in place, the state will suspend your license and you will need to start the SR-22 process all over again.
How Long Do You Need Non-Ownership SR-22 Coverage?
Colorado usually requires SR-22 coverage for three years. If your policy lapses during that time, you must start the three-year term over again. If you’re under probation, you have to keep the SR-22 form for the duration of your probation. Look at your court paperwork to determine the timeline you must follow.
How Much Does Non-Ownership SR-22 Insurance Cost in Colorado?
Insurance costs vary depending on where you buy your insurance. Variables include your age, the make of your car and even your credit history. When you work with Select Insurance Group, we can help you find the most affordable non-owner SR-22 insurance available.
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Contact Our Licensed Insurance Agents
Our licensed SR-22 insurance agents are here to answer all your questions and take your application over the phone. Call us at (855) 438-7353.
Why Choose Select Insurance Group?
We focus on providing coverage to high-risk drivers. Our team at Select Insurance Group understands what you need and we’ll help you navigate the often confusing process of securing your non-owner SR-22 insurance.
*The information provided on this website has been developed by Select Insurance Group for educational and informational purposes. We do our best to ensure that this information is current and accurate, however the information might not be applicable to all situations. Coverage and rates subject to terms, conditions and availability. Policy issuance is subject to qualifications.