Updated March 2026
State Requirements
Colorado requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $15,000 for property damage (25/50/15). Drivers convicted of DUI, reckless driving, driving without insurance, or accumulating 12 or more points within 12 months face license suspension and typically require SR-22 filing to reinstate. The SR-22 is a certificate proving continuous insurance coverage filed by your carrier directly with the Colorado Division of Motor Vehicles. Lapses during the filing period restart the entire 3-year requirement.
Cost Overview
High-risk auto insurance premiums in Colorado vary widely based on violation type, severity, and time since the incident. Drivers with DUI convictions typically face the highest rates, averaging $3,600–$4,800 annually, while those with multiple speeding tickets or at-fault accidents see premiums of $2,400–$3,600 per year. Rates decrease as violations age off your record — most moving violations remain for 7 years in Colorado, and points drop off after set periods depending on the offense.
What Affects Your Rate
- Violation type — DUI convictions increase premiums 80–150%, while at-fault accidents or speeding tickets raise rates 25–50%
- Time since violation — rates decrease steadily as clean driving time accumulates, with most violations aging off after 7 years
- SR-22 filing status — the filing itself costs $15–$35, but SR-22 requirement signals high-risk status that elevates premiums across all coverage types
- Point accumulation — Colorado uses a point system where 12 points in 12 months or 18 points in 24 months triggers suspension and SR-22 requirement
- Coverage level — higher liability limits and full coverage substantially increase premiums for high-risk drivers compared to state minimums
- Urban vs. rural location — Denver metro area drivers typically pay 15–25% more than rural Colorado drivers due to higher accident frequency and repair costs
Compare Auto Insurance Rates in Colorado
Coverage Options
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Frequently Asked Questions
Sources
- Colorado Division of Motor Vehicles — SR-22 Requirements and Filing Procedures
- Colorado Department of Revenue — Point System and License Suspension Thresholds
- Colorado Department of Regulatory Agencies, Division of Insurance — Minimum Coverage Requirements