You Need SR-22 Filing and Infinity Quoted You
Your Colorado DUI conviction triggered a 270-day license suspension and a mandatory SR-22 filing requirement that lasts three years from the conviction date. You called Infinity because they specialize in non-standard auto insurance and their quote came back lower than the standard-tier carriers who rejected you outright. But the agent mentioned ignition interlock device coordination and Red License documentation, and you're not sure what those requirements mean or whether you need to handle them before Infinity will bind your policy.
Infinity writes SR-22 policies for Colorado DUI cases, but their underwriting process requires specific procedural steps in a fixed sequence. If you miss the order—IID vendor enrollment before coverage binding, DMV hearing request before Red License issuance—you'll face delays that push your reinstatement timeline out by weeks or months. This article walks the exact procedural pathway Infinity requires, the documentation the DMV hearing officer expects, and the failure modes that trap most suspended drivers who assume the carrier handles everything automatically.
Compare car insurance rates in your state
Get quotes from licensed carriers — no obligation, no spam, results in minutes.
Get Your Free QuoteColorado DUI Suspension Period
270 days
Colorado suspends your license for 270 days after a DUI conviction. The suspension begins on the conviction date, not the arrest date, and runs concurrently with any administrative revocation period from the DMV's Express Consent hearing. You cannot shorten this period by completing DUI education early—the 270 days are fixed.
Colorado Dept of Revenue, Division of Motor Vehicles
SR-22 Filing Is Required for Three Years
Colorado requires SR-22 filing for three years after a DUI conviction. The filing period begins when your carrier submits the SR-22 certificate to the DMV, not when your suspension ends. If you let your policy lapse at any point during those three years, your carrier notifies the DMV electronically within 24 hours, and the DMV suspends your license again immediately—even if you were already driving legally on a reinstated license.
Infinity files SR-22 certificates electronically the same business day you bind coverage. Colorado charges no separate state SR-22 filing fee; Infinity sets a small one-time carrier filing fee that varies by underwriting tier. The three-year clock does not reset if you switch carriers mid-filing-period, but you must maintain continuous coverage without any lapse longer than 30 days.
Most DUI cases also require completion of a state-approved Level II Alcohol and Drug Education and Treatment program and retesting (written and road) before the DMV will reinstate your license. SR-22 filing alone does not satisfy reinstatement—it's one of four required components alongside the education program, the retest, and the reinstatement fee.
Infinity will not bind your SR-22 policy until you provide proof of IID vendor enrollment. The ignition interlock device must be installed and calibrated before the carrier issues the certificate.
Ignition Interlock Device Coordination Comes First
If you want to drive during your suspension period using a Probationary Driver License (Red License), you must install an ignition interlock device in any vehicle you operate. The IID vendor—approved by the Colorado DMV—installs the device, calibrates it, and provides a certificate of installation that you submit to the DMV hearing officer when requesting the Red License. Infinity requires a copy of that installation certificate before they bind your SR-22 policy because the Red License restricts you to IID-equipped vehicles only, and the carrier needs proof that your vehicle meets that restriction.
The procedural sequence: enroll with an approved IID vendor, schedule installation, receive the installation certificate, then contact Infinity to bind coverage and file SR-22. If you reverse the order and bind coverage first, Infinity will not issue the SR-22 certificate until you provide the IID documentation, creating a gap that delays your DMV hearing. Most suspended drivers assume the carrier handles IID coordination automatically—they don't. You must bring proof of installation to the underwriting process or the policy will not bind.
Related Articles
The Red License Pathway Requires a DMV Hearing
Colorado's Probationary Driver License (Red License) allows limited driving during your suspension period for employment purposes only. You cannot use it for personal errands, childcare, medical appointments, or school—only travel to and from your place of employment or performing employment duties. The Red License is not automatic; you must request it through a Department of Revenue hearing, and the hearing officer decides whether to grant it based on your employment documentation and proof of SR-22 filing.
To request a Red License hearing, contact the DMV Driver Control hearing section at 303-205-5606. You'll need a letter from your employer confirming your work schedule and location, proof of SR-22 insurance (the certificate Infinity files), proof of IID installation, and confirmation that all traffic tickets and fines are paid in full. The hearing officer will not issue a Red License if you have outstanding tickets or unpaid court fines, even if those violations are unrelated to the DUI. Most suspended drivers discover this restriction only after the hearing is denied, forcing them to resolve the tickets and reschedule the hearing weeks later.
The Red License is valid only while your suspension is active. Once your 270-day suspension ends and you complete reinstatement requirements (education program, retest, reinstatement fee), you surrender the Red License and receive a standard unrestricted license. The SR-22 filing requirement continues for the full three years regardless of whether you used a Red License during suspension.
Colorado Reinstatement Fee
This fee is separate from the SR-22 filing fee, the IID installation cost, and the DUI education program tuition. Processing takes approximately 20 business days after you submit all required documentation and payment.
Colorado Dept of Revenue, Division of Motor Vehicles
Infinity's Non-Standard Tier Pricing Structure
Infinity underwrites DUI cases in their non-standard tier, which prices violation history and age separately from clean-record drivers. Colorado DUI drivers typically see monthly premiums in the $301–$481 range depending on county, vehicle, and coverage selections—39% to 77% higher than clean-record rates in the same tier.
Infinity offers monthly billing on SR-22 policies, but their installment structure requires a larger down payment than clean-record policies—typically two months' premium upfront plus the filing fee. If you let a payment lapse by more than 10 days past the due date, Infinity cancels the policy for non-payment and notifies the DMV the same day, triggering immediate suspension. Non-standard-tier carriers enforce payment deadlines more strictly than standard carriers because their loss ratios are higher and they cannot absorb delinquent accounts the way preferred-tier underwriters can.
Compare Infinity Against Other Non-Standard Carriers
Infinity writes Colorado DUI SR-22, but they're one of seven non-standard carriers competing for your case. Bristol West, Dairyland, The General, Progressive, National General, Kemper, and Farmers all write post-DUI policies in Colorado, and their pricing varies by county and vehicle type. The rate spread exists because non-standard carriers use different risk models—some weight age more heavily, others emphasize violation recency, and a few offer accident-forgiveness programs that standard carriers don't extend to DUI cases.
Request quotes from at least three non-standard carriers before binding coverage. Infinity's online quote tool provides instant estimates, but Bristol West and Dairyland require broker contact for DUI cases.