Infinity Writes Colorado DUI Policies — With Payment Restrictions
You received a DUI conviction in Colorado, searched for carriers willing to file SR-22, and landed on Infinity. The quote came back higher than expected, and the payment plan requires a deposit you don't have ready. You assumed Infinity was your only non-standard option — it's not.
Infinity operates in Colorado's non-standard tier alongside Bristol West, Dairyland, The General, and Progressive's non-standard division. All five file SR-22 for DUI convictions. All five price the same risk factors: your conviction date, your BAC at arrest, your prior driving record, and your county. The difference isn't whether they'll accept you — it's how they structure payment and what deposit they require upfront.
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Get Your Free QuoteColorado High-Risk Premium Range
$301–$481/mo
Infinity quotes within this band but requires higher upfront deposits than Bristol West or Dairyland for identical coverage.
ValuePenguin + Insurify after-DUI state analysis, 2026
SR-22 Filing Is Identical Across Non-Standard Carriers
Colorado requires SR-22 filing for DUI convictions. The filing itself is a one-page certificate your insurer submits to the Colorado Division of Motor Vehicles confirming you hold liability coverage at state minimums: $25,000 per person, $50,000 per accident, $15,000 property damage. The state does not publish a fixed SR-22 duration for DUI — most carriers maintain filing for three years from the conviction date.
Infinity, Bristol West, Dairyland, The General, and Progressive all file SR-22 electronically the day your policy binds. The state charges no separate SR-22 fee. The certificate reaches the DMV within 24 hours. From a filing-mechanics standpoint, Infinity offers no advantage over Bristol West or Dairyland — the process is identical.
The premium difference comes from underwriting tier and payment structure, not filing capability. Bristol West and Dairyland quote the same risk but accept lower deposits and offer 12-month payment plans, reducing the entry barrier for drivers who need coverage immediately but lack upfront cash.
How Non-Standard Carriers Price Colorado DUI Risk
Your conviction date matters more than your BAC in most non-standard underwriting models. A DUI conviction from 18 months ago prices lower than one from six months ago, even if the older conviction carried a higher BAC. Carriers view time-since-conviction as a proxy for behavior change. Infinity weights conviction recency heavily; Bristol West and Dairyland weight it less, producing lower quotes for drivers within the first 12 months post-conviction.
Your county affects theft and uninsured-motorist risk scoring. Denver, Aurora, and Colorado Springs carry higher base rates than Fort Collins, Boulder, or Grand Junction due to theft frequency and uninsured-driver density.
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Payment Plans and Deposit Structures Vary Significantly
Bristol West and Dairyland structure payment differently. The monthly payment is similar to Infinity's, but the longer term reduces the risk of missing a payment during the critical first year post-conviction. Both carriers offer a 10-day grace period before canceling for non-payment; Infinity's grace period is five days.
Colorado SR-22 Filing Period
3 years
Colorado does not publish a statutory SR-22 duration for DUI convictions, but carriers maintain filing for three years from the conviction date as standard practice. The filing must remain active and uninterrupted — any lapse triggers a new suspension and restarts the three-year clock.
Colorado Dept of Revenue, Division of Motor Vehicles
Non-Owner SR-22 Policies for Suspended Drivers Without Vehicles
If you do not own a vehicle but need SR-22 filing to satisfy reinstatement requirements, Infinity writes non-owner policies in Colorado. A non-owner policy provides liability coverage when you drive a vehicle you do not own — a borrowed car, a rental, or a vehicle provided by an employer. The SR-22 certificate attached to a non-owner policy satisfies the DMV's filing requirement identically to a standard owner policy.
The General quotes slightly higher but accepts drivers Infinity rejects due to multiple DUI convictions or recent license suspensions for other violations.
Compare All Five Non-Standard Carriers Before Binding
Infinity is one option in a five-carrier non-standard market. Bristol West, Dairyland, The General, and Progressive all file SR-22 for Colorado DUI convictions, all quote within the same $301–$481/month range, and all use electronic filing that reaches the DMV within 24 hours. The meaningful differences are deposit amount, payment-plan length, grace period, and monthly premium variance.
Request quotes from all five before binding. Provide identical information: your conviction date, your BAC at arrest, your current address, and whether you own a vehicle. Compare the upfront deposit, the monthly payment, the grace period, and the total six-month or 12-month cost. The right carrier depends on your cash position today and your ability to sustain monthly payments for the next 12–36 months without a lapse.