Colorado Non-Owner Liability Requirements
Colorado requires all drivers to carry at least $25,000 bodily injury per person, $50,000 bodily injury per accident, and $15,000 property damage. A non-owner policy meets this floor without owning a vehicle. For drivers reinstating after a DUI or uninsured-motorist suspension, the state typically requires SR-22 filing for 3 years, and a non-owner policy can satisfy that filing.
Meeting the state minimum keeps you legal. See whether it's enough — get your Colorado quote.
Get your Colorado quoteWhat Shapes Non-Owner Costs in Colorado
Non-owner premiums in Colorado depend on driving history, whether an SR-22 filing is required, and the coverage limits you select above the state minimum. A clean-record driver maintaining continuous coverage between cars pays less than a driver filing an SR-22 after a DUI. Geico, Progressive, Dairyland, The General, and USAA write non-owner policies in Colorado; rates vary by carrier and profile.
What Affects Your Rate
- Whether Colorado requires you to file SR-22 — a DUI or uninsured-motorist suspension typically triggers a 3-year filing requirement, and the filing adds cost on top of the violation's rate impact.
- Your driving record — a clean record qualifies for standard non-owner rates; a DUI, refusal, or multiple violations moves you to non-standard carriers and higher premiums.
- Coverage limits above Colorado's 25/50/25 minimum — higher bodily-injury limits cost more but protect your assets if you cause a serious accident.
- The carrier you choose — Geico, Progressive, Dairyland, The General, and USAA write non-owner in Colorado, but only Geico, Progressive, and The General file non-owner SR-22s.
- How long you maintain the policy — dropping a non-owner policy before the SR-22 filing period ends triggers a new suspension in Colorado.
- Uninsured motorist coverage — not required by Colorado, but most non-owner policies include it, adding a small premium increment.
Get non-owner SR-22 coverage without owning a vehicle
Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.
Get Your Free QuoteCoverage Types
Non-Owner Liability Insurance
Bodily-injury and property-damage coverage for drivers who own no vehicle. Meets Colorado's 25/50/25 minimum and sits secondary to any coverage on the car you drive.
Non-Owner SR-22 Insurance
A non-owner policy that carries the SR-22 filing Colorado requires after a DUI or uninsured-motorist suspension. The filing lasts 3 years and must stay active to avoid a new suspension.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance. Colorado does not require it, but most non-owner policies include it automatically.
Non-Standard Auto Insurance
Coverage for drivers with DUI, refusal, or multiple violations. Non-standard carriers write higher-risk profiles but not all write non-owner policies.
