Colorado Multi-Violation Insurance After Points Suspension
Colorado requires 25/50/15 liability coverage and is an at-fault state.
Get My Point-Reduction Insurance QuoteColorado 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 operates as a fault-based tort state, meaning the at-fault driver's liability coverage pays for damages. The state requires continuous proof of insurance, and a lapse of more than 30 days triggers automatic suspension. Colorado Department of Revenue Division of Motor Vehicles tracks points on your driving record and suspends your license when you hit 12 points in 12 months or 18 points in 24 months.
Liability Insurance
Uninsured Motorist Coverage
SR-22 Certificate
Non-Standard Auto Insurance
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
Find Coverage While Your Points Come Down
Get My Point-Reduction 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 many points suspend your license in Colorado?
Colorado suspends your license at 12 points accumulated within 12 months or 18 points within 24 months under state accumulation rules. Points are assigned at conviction, not citation, so the clock starts when the court enters judgment or you pay the ticket. Each violation carries a point value ranging from 2 points for minor offenses to 12 points for reckless driving.
Does Colorado allow hardship licenses for points suspension?
Colorado does not issue restricted or hardship licenses for points-based suspensions. You must serve the full suspension period, which runs 3 months for a first suspension, 6 months for a second within 5 years, and 1 year for a third. No exceptions exist for work commutes, medical appointments, or family obligations.
Does Colorado require SR-22 for points suspension?
Colorado does not require SR-22 filing for points-threshold suspension alone. SR-22 is required only if your most recent violation was reckless driving, exhibition of speed, excessive speed 25+ mph over the limit, DUI, or driving without insurance. If your 12th point came from one of those specific offenses, you need SR-22 for 3 years from the conviction date.
How long do points stay on your Colorado record?
Points remain on your Colorado driving record for 7 years from the conviction date, but the suspension calculation uses rolling 12-month and 24-month windows. A violation from 13 months ago no longer counts toward the 12-point annual threshold but still appears on your record and affects insurance pricing for up to 5 years depending on the carrier's lookback policy.
Coverage Types
High-Risk Auto Insurance
Coverage written by carriers specializing in drivers with multiple violations, points suspensions, or non-standard underwriting profiles.
Multi-Violation Driver Insurance
Policies designed for drivers with 3+ moving violations on record within the carrier's lookback period, typically 36 months.
Non-Standard Auto Insurance
Coverage underwritten outside the standard admitted market by carriers holding surplus lines authority or specialized state filings.
SR-22 Insurance (If Triggered)
Continuous proof-of-insurance certificate filed by your carrier with the state DMV for specific high-risk violations.
Liability-Only Post-Suspension
State minimum bodily injury and property damage coverage meeting Colorado's 25/50/15 requirement with no physical damage protection on your vehicle.