Non-Owner Car Insurance — Colorado
Colorado requires 25/50/15 liability coverage and is an at-fault state.
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Colorado 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
Colorado Non-Owner Liability Requirements
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.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Non-Owner SR-22 Filing
Collision and Comprehensive
What Shapes Non-Owner Costs in Colorado
$42/mo
Typical monthly rate in Colorado, non-owner policies
Rate data: Insure.com, 2026
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.
Stay Insured Without Owning a Car
Get My Non-Owner 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
What does non-owner car insurance cover in Colorado?
A Colorado non-owner policy covers bodily-injury and property-damage liability when you drive a borrowed, rented, or shared car, carrying at least the state's 25/50/25 minimum. It does not cover collision or comprehensive damage to the car you drive, because you own no vehicle. Most policies include uninsured motorist coverage even though Colorado does not require it.
Can I get an SR-22 without owning a car in Colorado?
Yes. A non-owner policy can carry 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. Geico, Progressive, and The General file non-owner SR-22s in Colorado.
Which carriers write non-owner insurance in Colorado?
Geico, Progressive, Dairyland, The General, and USAA write non-owner policies in Colorado. Of these, Geico, Progressive, and The General file non-owner SR-22s; Dairyland and USAA write non-owner but SR-22 filing capability is not confirmed.
How much does non-owner insurance cost in Colorado?
Cost depends on your driving record, whether you need an SR-22 filing, and the coverage limits you select. A clean-record driver maintaining continuous coverage pays less than a driver filing an SR-22 after a DUI. No premium data exists in this system; contact carriers directly for quotes.
Does Colorado require non-owner insurance?
Colorado requires all drivers to carry liability insurance meeting the 25/50/25 minimum, but does not mandate a specific policy type. A non-owner policy satisfies the requirement for drivers who own no vehicle, and is the only way to file an SR-22 without owning a car.
What is the SR-22 filing period in Colorado?
Colorado typically requires SR-22 filing for 3 years after a DUI or uninsured-motorist suspension, measured from the conviction or suspension date. Dropping coverage before the 3-year period ends triggers a new suspension.
Can I use a non-owner policy to rent a car in Colorado?
Yes. A non-owner policy provides liability coverage when you rent a car, sitting secondary to the rental company's coverage. It does not cover physical damage to the rental vehicle; you need the rental company's collision damage waiver for that.
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.