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Cheap Colorado SR22 Insurance: Rates & Costs Compared

sr22 insurance colorado

We’ve Uncovered the Cheapest SR-22 Insurance Companies & Rates in Colorado

A bit of background first: SR22 Insurance is a specific type of insurance usually mandated by the court or by the state for high-risk drivers.  In the state of Colorado, it is required after a driver has had their license either suspended or revoked.  It is also required after a driver has been charged with driving under the influence, driving while intoxicated, for drivers who have had repeated violations, and for those who have a large number of tickets.

After a drivers license has been revoked, Colorado requires that the driver file an SR22 form before they can have their license reinstated.

Now, on to the price comparisons. First, we look at which companies have the lowest overall cost across the board in Colorado. Clearly, Metlife is not competitive in this space.

Cheapest SR-22 Insurance Rates by Company in CO

Overall SR22 Average Rate by Company

Company Cheapest Overall Cost
USAA $556
State Farm $612
Geico $871
Esurance $944
Allstate $948
Travelers $1,049
Nationwide $1,141
American Family $1,180
Farmers $1,329
Progressive $1,460
Metlife $1,771

Companies with Lowest Cost: Liability Only

With a liability only rates comparison, expect prices to be lower across the board. This is because in the case of an accident, the driver is responsible to repair their own vehicle if they are at fault. It also does not damage caused by weather (e.g. hail and storms), theft and non-moving damage, but it will cover accidents with wildlife such as moose, elk, deer, bighorn sheep, even the occasional mountain lion, and other large animals in Colorado.


Company Monthly SR22 Costs (Liability)
Travelers N/A
Progressive Insurance $119.00
Bristol West $116.00
State Auto N/A
Farmers $113.00
Allstate N/A
Geico $83.00
The General $102.00
Safeco N/A
GAINSCO $81.00
21st Century N/A
National General $73.00
Liberty Mutual $118.00
Nationwide N/A
AssuranceAmerica $117.00
American Family N/A
State Farm N/A

Companies with Lowest Cost: Full Coverage

Company SR22 Full Coverage (Average Cost)
Mendota Ins. Company $165.00
GAINSCO $180.00
Dairyland $211.00
Liberty Mutual $198.00
Farmers $214.00
Travelers N/A
Safeco N/A
Nationwide N/A
State Auto N/A
The General $168.00
Allstate N/A
Acceptance RTR $192.00
National General $195.00
Geico $169.00
State Farm N/A
American Family N/A
AssuranceAmerica $197.00
Progressive Insurance $160.00
Bristol West $169.00

Overall Average SR22 Insurance Cost by City: Full Coverage

City Price
Lakewood $179
Edwards $169
Roxborough Park $182
Dakota Ridge $176
Security-Widefield $159
Greenwood Village $176
Woodmoor $176
Sherrelwood $179
Fort Carson $154
Colorado Springs $164
Columbine $158
Windsor $169
Sterling $166
Clifton $153
Fruita $177
Stonegate $172
Grand Junction $146
Brighton $152
Cimarron Hills $153
Welby $160
Alamosa $172
Broomfield $147
Evergreen $159
Castle Rock $153
Englewood $167
Berkley $153
Firestone $161
Cañon City $153
Fort Morgan $152
Arvada $147
Lone Tree $156
Wheat Ridge $169
Greeley $182
Pueblo West $148
Golden $172
Montrose $174
Evans $167
Frederick $147
Gunbarrel $146
Lafayette $174
Thornton $175
Durango $181
Commerce City $175
Rifle $158
Pueblo $149
Erie $166
Aurora $169
Wellington $168
Delta $152
Johnstown $182
Boulder $160
Westminster $176
Fountain $166
Littleton $148
Highlands Ranch $182
Northglenn $178
Cherry Creek $155
Louisville $154
Longmont $171
Redlands $149
Ken Caryl $156
Centennial $158

Overall Average SR22 Insurance Cost by City: Liability

Topping the most expensive cities are Commerce City and Pueblo West, but only by a dollar. Welby comes in at the bottom at a mere $86. Obviously, moving to a different city is not a useful tactic for saving a significant amount of SR-22 insurance costs (at least in Colorado, and assuming these averages are really predictive of your individual rates)

City Price
Wheat Ridge $109.00
Centennial $95.00
Craig $101.00
Security-Widefield $98.00
Edwards $94.00
Loveland $91.00
Cherry Creek $96.00
Brighton $97.00
Welby $86.00
Commerce City $110.00
Pueblo West $110.00
Thornton $96.00
Montrose $109.00
Aurora $102.00
Lafayette $104.00
Gunbarrel $100.00
Louisville $99.00
Boulder $104.00
Cimarron Hills $107.00
Roxborough Park $95.00
Grand Junction $103.00
Black Forest $109.00
Greenwood Village $100.00
Evans $105.00
Ken Caryl $103.00
Federal Heights $89.00
Broomfield $107.00
Fruita $103.00
Evergreen $99.00
Longmont $87.00
Lakewood $103.00
Stonegate $93.00
Frederick $99.00
Denver $102.00
Pueblo $91.00
Derby $95.00
The Pinery $96.00
Englewood $102.00
Golden $109.00
Berkley $93.00
Dakota Ridge $102.00
Redlands $98.00
Durango $93.00
Greeley $97.00
Castle Pines $96.00
Highlands Ranch $97.00
Clifton $110.00
Fort Collins $95.00
Columbine $108.00
Delta $102.00
Wellington $97.00
Glenwood Springs $107.00
Rifle $106.00

Cheapest CO SR-22 Insurance Companies, by City

Here, you can see certain companies are more likely to be cheaper than others sich as Progressive, GEICO, and even the General do decently well, whereas Bristol West only makes the cut for two cities, while Dairyland only one.

City Company
Grand Junction The General
Northglenn Liberty Mutual
Steamboat Springs Geico
Westminster Bristol West
Frederick Progressive
Cimarron Hills Geico
Clifton The General
Evergreen Geico
Fruita The General
Ken Caryl Geico
Derby Liberty Mutual
Colorado Springs Liberty Mutual
Arvada The General
Pueblo West Dairyland*
Denver Geico
Centennial Geico
Thornton The General
Brighton Progressive
Loveland Geico
Cherry Creek Progressive
Alamosa Progressive
Fort Morgan Farmers
Wheat Ridge Liberty Mutual
Evans Bristol West
Rifle Geico
Stonegate Geico
Lafayette Progressive
Sherrelwood The General
Highlands Ranch Progressive
Commerce City Progressive
Montrose Liberty Mutual
Johnstown Geico
Edwards The General
Greeley Geico
Wellington National General
Lakewood Bristol West
Black Forest The General
Longmont Progressive
Dakota Ridge National General
Fort Carson Liberty Mutual
Firestone The General
Federal Heights National General
Delta Liberty Mutual
Louisville The General
Glenwood Springs Geico
Craig Bristol West
Erie The General
The Pinery The General
Woodmoor The General
Pueblo Progressive
Fountain Liberty Mutual
Windsor Progressive
Roxborough Park The General
Englewood Progressive
Aurora Progressive
Durango The General
Superior Progressive
Cañon City Liberty Mutual
Fort Collins Progressive
Sterling Progressive
Castle Pines Progressive
Boulder Bristol West
Greenwood Village Liberty Mutual
Welby Progressive
Broomfield Progressive
Columbine Liberty Mutual
Golden The General
Littleton Bristol West

SR-22 Non-Owner Insurance Rates by Company in CO

You can read about what non-owners is here, but essentially it’s when someone is needs SR22 insurance but does not own a car.

USAA $346
GEICO $365
Travelers $471
State $529
Nationwide $879
Farmers $1,427
Progressive $1,559
MetLife $2,033

Company Fees for Filing an SR-22 in Colorado

Here you can find what the typical cost is for the actual filing of the SR-22 insurance form for each company. Some might charge a percentage of premium, but that is quite uncommon. While some offer free filings, it’s probably that they offset this via their typical monthly rates. Dairyland seems like a primae candidate for this. So, it’s probably better to not worry about this fee and instead choose the carrier with the lowest prices.

Carrier Fee
Travelers N/A
Nationwide N/A
Bristol West $25.00
Safeco N/A
National General $25.00
21st Century N/A
Dairyland Free
American Family N/A
Allstate Unknown
Liberty Mutual $15-$25
AssuranceAmerica N/A
Mendota Ins. Company $25.00
The General $25.00
Farmers $15-$31
State Farm Unknown
Geico $25.00

Where Can I Buy SR22 Insurance?

Colorado SR22 insurance can be purchased from any insurance company that is licensed in the state of Colorado.  It must be continually held for 3 years.  It is important to pay the premiums in full and on time to ensure that the coverage does not lapse.  If the coverage does lapse or if it is canceled for any reason, the insurance company will notify the DMV.  If the DMV receives this type of notification the 3 year period will start all over again, with no consideration for the time the policy was already in place.

That is where we step in.  We can get you multiple quotes from multiple auto insurance companies in the state of Colorado by simply filling out our form at the top of the page.  It is a one-stop shop for all your SR22 insurance needs.

What is SR-22 Insurance?

We cover all of state laws and rules, questions, and answer for Colorad SR22 here, but for a brief summary, the following explains.

An SR22 is a type of insurance form showing the liability of a certain company in behalf of the owner of the motor vehicle to the Department of Motor Vehicles.  In the case that you have to file, the company who insured the motor vehicle will advise the state of Colorado that an SR22 was filed in the interest of the owner. 

The insurance company serves as the representative of the owner that shoulders the liabilities incurred by the owner in case of mishaps and accidents wherein the insured motor vehicle has been involved.  This way, the owner will not pay for the damages but rather, the insurance company.  Such notice is normally required if the policy has been canceled and expired or if the license of the driver has also been canceled at the same time expired.

Since the insurance company is responsible for filing the SR22 forms with the DMV it is important to make sure you are working with a reputable company.  This will ensure that there are no lapses in coverage as long as the driver is paying their premiums. If you do not pay your premiums not only will you not be able to drive, you may also face large fines, and possibly even jail time.

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