Non-Owner SR-22 Insurance in Colorado

If Colorado has ordered you to file an SR-22 and you do not own a car, a non-owner SR-22 policy is usually the lowest-cost way to meet the requirement and reinstate your license. Colorado requires at least 25/50/15 liability coverage.

Who needs a non-owner SR-22 in Colorado?

Colorado drivers are commonly ordered to file an SR-22 after a DUI, after driving without insurance, after an uninsured accident, or after a license suspension for points or unpaid judgments. If you do not own a vehicle and have no regular access to one, a non-owner policy satisfies the Colorado Division of Motor Vehicles.

How to get a non-owner SR-22 in Colorado

1. Confirm the requirement. Check your suspension notice or court paperwork, or call the Colorado Division of Motor Vehicles, to confirm that you need an SR-22, how long you need it, and any reinstatement fees.
2. Request non-owner quotes. Tell the agent that you do not own a vehicle and do not have regular use of one. You must also list everyone in your household who owns a car, because household access can disqualify you.
3. Buy the policy and pay the filing fee. The insurer files the SR-22 with Colorado electronically, usually within one business day.
4. Pay reinstatement fees and keep the policy active. If the policy lapses, the insurer must notify the state, and your license can be suspended again.

Colorado details to know

Colorado requires an SR-22 after DUI and DWAI offenses, after driving without insurance, and after certain habitual-offender revocations. Many Colorado DUI reinstatements also require an ignition interlock. Drivers without a car should ask the DMV about the state's interlock rules for non-owners.

Colorado non-owner SR-22 FAQ

Figures are general guidance as of 2026-11-13. Requirements change, so confirm with the Colorado Division of Motor Vehicles or your court before you buy a policy.

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