What Is an SR-22? Why Drivers Need It and How Long It Must Stay Active 

An SR-22 is a certificate your insurance company files with the Colorado Division of Motor Vehicles (DMV) to show you carry the state’s minimum required auto liability coverage. Although often called “SR-22 insurance,” it is not insurance, but a form confirming you have active insurance as a high-risk driver.

Why Do Drivers Need an SR-22 in Colorado?

You might be required to file an SR-22 if your driving privileges have been suspended or revoked due to certain violations. Common reasons include:

• DUI or DWI convictions
• Driving without insurance
• Multiple traffic offenses or serious violations
• License suspension or revocation
• At-fault accidents without insurance

After these incidents, filing an SR-22 is usually part of the process to reinstate your driver’s license. The state uses the SR-22 to monitor that you keep continuous insurance coverage during your probationary period.

How Long Must an SR-22 Stay Active?

In Colorado, most drivers must keep an SR-22 on file for three years from the date of license reinstatement. However, the exact duration can vary based on the offense and your driving history. If your policy lapses or is canceled during this period, your insurer must notify the DMV, which could result in another license suspension and the requirement period starting over.

How We Help Colorado Drivers

Aztlan Insurance Agency works with drivers across Colorado to help secure the correct SR-22 filing and insurance coverage. Our agents can explain your options, help you meet state requirements and support you throughout the process. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.