Non-owner car insurance in Colorado
It covers harm you cause to other people while driving a car you borrow or rent, and the policy is in your own name. Buy it if you drive in most months, or if you need an SR-22 and don't own a car. If you live in the same home as the car's owner, you should join their policy instead.
- $42 a monthtypical price for a 40-year-old with a clean record, or $506 a year
- Auto-Ownerslowest price in the study, $141 a year, then $439 for the next company
- 25/50/15lowest limits the state allows
What insurers in Colorado offer non-owner policies?
We priced 9 companies here, listed cheapest first. USAA sells only to military families, and its price is $193.
| Company | Per year | Per month |
|---|---|---|
 Auto-Owners | $141 | $12 |
 USAA (military families) | $193 | $16 |
 Southern Farm Bureau | $439 | $37 |
 Progressive | $467 | $39 |
 State Farm | $483 | $40 |
 GEICO | $494 | $41 |
 Farmers | $697 | $58 |
 California Casualty | $764 | $64 |
 American National | $884 | $74 |
Auto-Owners is listed at $141 a year, far below the other companies here. That is the study's figure, so ask an agent for a real quote before counting on it.
California Casualty is named as the study lists it. It is a regional insurer, so ask an agent whether it writes non-owner policies in your part of Colorado.
These company prices are for a 40-year-old with a clean record, so your own answers above can give a different price. This is the same driver used for the rates above, taken from a study of Colorado prices. Out of 50 states, Colorado ranks 30th lowest. Who sells it in Colorado
Colorado minimums and the extras you have to decline in writing
The Colorado Division of Insurance's page on auto coverage sets liability at $25,000 for each person injured and $50,000 as the total for a single crash. Damage to property requires $15,000. These three figures are also listed by Legislative Council staff.
By default, two additional coverages come with the policy. After a crash, $5,000 in medical payments covers your own medical bills, unless you choose to decline it. When the driver at fault has no insurance or not enough, uninsured and underinsured motorist cover steps in to help you. You keep it unless you send a written refusal.
How long will a Colorado SR-22 last?
In Colorado, the SR-22 clock begins on the date your license is reinstated, not the night you were arrested. For a first .08 offense with no crash, you might only need it on file for nine months.
On its own, an SR-22 is not insurance coverage. It is a form your insurer submits, and it requires the company to notify the DMV of any cancellation. When the cars you drive are not yours, a non-owner policy can include this filing.
The length varies by the offense, as explained on the DMV's suspension and reinstatement FAQ. If a first .08 case involves a crash, the requirement extends to three years. For a second or third offense, three years from reinstatement are also required. A test result of 0.15 or higher means at least three years, or the full interlock period if that lasts longer.
Each reinstatement carries a $95 charge. Alcohol offenses after January 1, 2022 bring an extra $25 DUI restoration fee.
Keeping your Colorado filing unbroken
By itself, a gap in coverage is enough to trigger a suspension. Should the SR-22 lapse before your requirement ends, the insurer informs the DMV. A suspension follows for that reason only, as the DMV's SR-22 and insurance information makes clear. You may change companies, as long as the new SR-22 reaches the state before the old one runs out. It is safer to overlap by one day than to leave a one-day gap.
You may upload the form through myDMV.Colorado.gov or send it by mail using Form DR 2870. Mailing about 30 days before you qualify is what the DMV's reinstatement process page recommends. Because no notice arrives when your term is up, save that first DMV letter, which gives the start and end dates.
What you pay in Colorado, by age
A teenager’s yearly cost is about $1,631. Minimum coverage for a car you own averages $651 a year at age 40, which is roughly $145 above a non-owner policy costing $506.
| Age | Men | Women |
|---|---|---|
| 16 to 19 | $1,689 | $1,573 |
| 20 to 24 | $710 | $687 |
| 25 to 64 | $492 | $514 |
| 65 and over | $544 | $517 |
Figures are annual, for a clean driving record and minimum limits. The prices apply the study’s 25-to-60 figures to ages 25 to 64, and its 65-to-75 figures to age 65 and older.
Get a non-owner quote in Colorado
A licensed agent who writes policies in Colorado takes your call, goes through how you drive for free, and gets you real quotes right away.
Call 833-958-5598