Non-Owner Car Insurance
Get a Quote

Non-Owner Car Insurance — Colorado

A Colorado non-owner policy carries the state's 25/50/25 liability minimum without owning a vehicle, and can file the SR-22 the state requires for license reinstatement. Seven carriers write non-owner policies in Colorado; three file non-owner SR-22s.

Compare Colorado Auto Insurance

Non-Standard Auto · SR-22 · Senior · Teen Drivers

Young woman with curly hair smiling while sitting in driver's seat holding steering wheel
Quotes from state-licensed insurance professionals
Licensed Agents Only
Free to request, no commitment required
No Obligation
No cost to you
Free to Use
Your contact information is protected
TCPA-Compliant
State-Mandated Minimum Coverage · Colorado

Colorado Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$15,000

License Reinstatement Fee$95

Meeting the state minimum keeps you legal. See whether it's enough — get your Colorado quote.

Get your Colorado quote

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 Quote
✓ Non-Owner SR-22✓ No Obligation✓ Licensed Carriers✓ Reinstatement Ready

Coverage 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.

Find Your City in Colorado

Denver, Colorado cityscape and street view

Denver

urban
Colorado Springs, Colorado cityscape and street view

Colorado Springs

urban
Aurora, Colorado cityscape and street view

Aurora

suburban
Fort Collins, Colorado cityscape and street view

Fort Collins

suburban
Lakewood, Colorado cityscape and street view

Lakewood

suburban
Aerial view of southwestern city in winter with snow, desert mountains, and mixed architectural styles

Westminster

suburban
Aerial view of city skyline with downtown skyscrapers surrounded by residential neighborhoods and mountains

Pueblo

urban
Vintage tan car parked in driveway under large tree with suburban house and garage in background

Centennial

suburban

Frequently Asked Questions

Get Your Free Quote in Colorado