DUI Insurance — Colorado
Colorado requires 25/50/15 liability coverage and is an at-fault state.
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Colorado at a Glance
25/50/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$95
State license reinstatement fee, about 20 days to process
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Colorado
Colorado is an at-fault state, meaning the driver responsible for an accident pays for damages through their liability insurance. The Colorado Department of Revenue requires proof of financial responsibility after a DUI, typically satisfied by SR-22 filing. Drivers must maintain continuous coverage for the entire 3-year filing period — any lapse triggers automatic license suspension and restarts the clock.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate of Financial Responsibility
Uninsured Motorist Coverage
What Drivers Pay in Colorado
$301–$481/mo
Typical monthly rate in Colorado, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- DUI conviction date — rates drop after 3 years once SR-22 filing ends, with steeper discounts after 5 years when the conviction falls off most carrier underwriting systems.
See Who Insures Colorado Drivers After a DUI
Get My Colorado DUI Insurance QuoteIf your license is suspended
Probationary Driver License (Red License)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long does SR-22 filing last after a DUI in Colorado?
Colorado requires SR-22 filing for 3 years from the date of conviction, not the date you file. The Colorado Department of Revenue tracks the filing period electronically, and any coverage lapse during those 3 years triggers automatic license suspension and restarts the clock.
Does Colorado require SR-22 for a first-time DUI?
Yes. Colorado mandates SR-22 filing after any DUI conviction, including first offenses. The filing period is 3 years, measured from conviction date. The Colorado Department of Revenue will not reinstate your license until SR-22 is on file.
What happens if my SR-22 insurance lapses in Colorado?
Your insurer notifies the Colorado Department of Revenue within 24 hours of the lapse, and your license is automatically suspended. To reinstate, you must purchase new coverage, file a new SR-22, pay a reinstatement fee, and restart the 3-year filing period from the lapse date.
Do I need SR-22 insurance if I move to Colorado from another state?
If you have an active SR-22 requirement in your previous state, Colorado does not automatically recognize it. You must notify the Colorado Department of Revenue, obtain a Colorado SR-22 filing from a Colorado-licensed carrier, and maintain it for the remainder of your filing period or 3 years, whichever is longer.
Coverage Types
SR-22 Insurance
Certificate of financial responsibility filed by your insurer with the Colorado Department of Revenue. Required for 3 years after DUI, and any coverage lapse triggers automatic license suspension.
Non-Owner SR-22
Liability-only policy for drivers who do not own a vehicle but need to satisfy Colorado SR-22 filing requirements. Covers you when driving borrowed or rental vehicles.
High-Risk Liability Insurance
State-minimum liability coverage written by non-standard carriers that specialize in DUI and suspended license reinstatements. No collision or comprehensive — liability only.
Uninsured Motorist Coverage
Covers your medical bills and lost wages if you are hit by a driver without insurance. Colorado's uninsured driver rate is approximately 13%, making this coverage high-value.
Comprehensive Coverage
Covers theft, vandalism, hail, and animal strikes — events you do not cause. Optional in Colorado unless your lender requires it.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident. Required by lenders if you carry an auto loan.