- Does a DUI raise car insurance rates in Colorado?
- How much does a DUI raise your insurance in Colorado?
- If someone gets a DUI in your car, does it go on your insurance?
- How long does a DUI affect your insurance in Colorado?
- How much does a DUI raise insurance by age group?
- How much does a DUI raise your insurance in your city?
- How to get car insurance after a DUI in Colorado
- Colorado DUI insurance requirements and penalties
- How long after a DUI does your insurance go down?
- Tips to save money after a DUI
- Methodology
- Colorado DUI insurance: Frequently asked questions
- Compare Colorado DUI car insurance rates with other states
Does a DUI raise car insurance rates in Colorado?
With a clean driving history, car insurance in Colorado averages $2,337. After a DUI, the rate increases to $4,096, which is $1,759 more.
Auto insurance companies substantially increase premiums when they classify you as a high-risk driver. If you accumulate multiple DUIs, average rates escalate drastically to $5,722.
How much does a DUI raise your insurance in Colorado?
The most affordable insurer after a DUI is State Farm, offering average annual rates of $2,081. The second-lowest option is GEICO, which costs $754 more than State Farm. Progressive provides the third-cheapest car insurance rates for drivers with a DUI.
Driving under the influence is not only dangerous but also costly. You'll deal with massive fines and higher car insurance premiums for several years. Each insurer evaluates a DUI differently and sets its own rates, so it's important to compare quotes from multiple companies.
This table displays average car insurance rates for a driver with a DUI in Colorado.
| Company | Annual premium for clean records | Annual premium after a DUI | Annual premium after multiple DUIs |
|---|---|---|---|
| State Farm | $1,950 | $2,081 | $2,081 |
| GEICO | $1,445 | $2,835 | $4,088 |
| Progressive | $2,796 | $3,439 | $4,393 |
| Allstate | $2,774 | $3,465 | $4,514 |
| Kemper | $1,878 | $4,172 | $5,880 |
| Auto-Owners | $2,874 | $4,659 | $8,941 |
| Farmers | $3,578 | $6,994 | $9,668 |
| USAA | $1,559 | $3,264 | $4,568 |
PEOPLE ASK:
What happens when you get a DUI in Colorado?
If you're convicted of a DUI in Colorado, consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, car insurance rates will increase, and DUI will stay on your record for 10 years.
If someone gets a DUI in your car, does it go on your insurance?
In most cases, insurance applies to the car rather than the driver, so your car insurance rates won't rise because the DUI will not appear on your driving record.
However, your premiums may rise if your car is involved in an accident caused by a DUI. Your vehicle may also be treated as a crime scene after the crash, meaning you won't be able to access it until the police release it.
How long does a DUI affect your insurance in Colorado?
While a DUI may remain on your driving record forever, it doesn't affect rates forever. A DUI affects Colorado car insurance and stays on your record for 10 years. Your car insurance rates should begin to decrease after several years with no further infractions on your driving record.
PEOPLE ASK:
Will I have difficulty getting car insurance after a DUI?
It may be more challenging to find affordable car insurance after a DUI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a DUI, you may consider shopping for new coverage to compare rates.
How much does a DUI raise insurance by age group?
Younger drivers pay higher insurance rates than mature drivers since they lack experience behind the wheel. While a DUI increases rates significantly, younger driver's car insurance rates skyrocket after a conviction. The average cost of car insurance for a teen with a DUI is $5,178.
Here are the most affordable insurers after a DUI by age:
- For teens: State Farm offers the lowest rate at $5,178.
- For young adults: State Farm provides the cheapest coverage for young adults at $2,482.
- For adults: State Farm is the most affordable option, with an average rate of $2,081.
- For seniors: State Farm offers the lowest average rate at $1,844.
This table illustrates how a DUI impacts car insurance rates across different age groups.
| Company | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| State Farm | $4,784 | $5,178 | $394 | 8% |
| Allstate | $5,479 | $7,491 | $2,012 | 37% |
| GEICO | $4,309 | $8,028 | $3,719 | 86% |
| Auto-Owners | $6,012 | $11,566 | $5,554 | 92% |
| Progressive | $11,673 | $12,250 | $577 | 5% |
| Kemper | $5,379 | $12,483 | $7,104 | 132% |
| Farmers | $12,053 | $20,955 | $8,902 | 74% |
| State Farm | $4,784 | $5,178 | $394 | 8% |
| Allstate | $5,479 | $7,491 | $2,012 | 37% |
| GEICO | $4,309 | $8,028 | $3,719 | 86% |
| Auto-Owners | $6,012 | $11,566 | $5,554 | 92% |
| Progressive | $11,673 | $12,250 | $577 | 5% |
| Kemper | $5,379 | $12,483 | $7,104 | 132% |
| Farmers | $12,053 | $20,955 | $8,902 | 74% |
| USAA | $4,236 | $7,590 | $3,354 | 79% |
| USAA | $4,236 | $7,590 | $3,354 | 79% |
How much does a DUI raise your insurance in your city?
The least expensive city in Colorado for car insurance after a DUI is Vail, while the costliest city is Castle Rock, with an average rate of $4,378. Your location influences your insurance costs, even without a DUI. Drivers in areas with heavier traffic or higher rates of vehicle theft typically face higher premiums because their cars are at a greater risk. A DUI then raises those already elevated rates even more.
This table lists the average car insurance rates after a DUI by city. Compare prices in major cities and rural areas to understand how your location influences your rates.
| City | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| Aurora | $2,432 | $4,329 | $1,897 | 78% |
| Boulder | $2,302 | $4,048 | $1,746 | 76% |
| Castle Rock | $2,496 | $4,378 | $1,882 | 75% |
| Colorado Springs | $2,349 | $4,117 | $1,768 | 75% |
| Denver | $2,337 | $4,088 | $1,751 | 75% |
| Englewood | $2,246 | $3,974 | $1,728 | 77% |
| Evans | $2,366 | $4,144 | $1,778 | 75% |
| Lone Tree | $2,387 | $4,200 | $1,813 | 76% |
| Sterling | $2,426 | $4,204 | $1,778 | 73% |
| Vail | $2,067 | $3,557 | $1,490 | 72% |
| Aurora | $2,432 | $4,329 | $1,897 | 78% |
| Boulder | $2,302 | $4,048 | $1,746 | 76% |
| Castle Rock | $2,496 | $4,378 | $1,882 | 75% |
| Colorado Springs | $2,349 | $4,117 | $1,768 | 75% |
| Denver | $2,337 | $4,088 | $1,751 | 75% |
| Englewood | $2,246 | $3,974 | $1,728 | 77% |
| Evans | $2,366 | $4,144 | $1,778 | 75% |
| Lone Tree | $2,387 | $4,200 | $1,813 | 76% |
| Sterling | $2,426 | $4,204 | $1,778 | 73% |
| Vail | $2,067 | $3,557 | $1,490 | 72% |
How to get car insurance after a DUI in Colorado
Insurers will label you a high-risk driver after a DUI, but you can still secure car insurance. Finding suitable coverage following a DUI conviction may require some additional effort.
If you already have car insurance and receive a DUI, your insurer will likely continue your policy; however, your premiums will increase at renewal time.
If you need car insurance after a DUI or want to find the most affordable rates, take the time to compare different policies. Get quotes from several insurers to find the cheapest option in Colorado, as each company sets its own rates after a DUI.
Colorado DUI insurance requirements and penalties
A DUI in Colorado means you must meet specific requirements for high-risk drivers. In Colorado, you will need an SR-22. An SR-22 is a form filed by your insurance company that shows the state that you have at least the minimum amount of car insurance required by law. While an SR-22 doesn't increase your car insurance rates, the cause behind the form does.
A DUI can lead to fines, a driver's license suspension, car impoundment, and jail time. Multiple offenses have more severe penalties. Additionally, you may have to pay lawyer fees, towing charges, and impound fees.
The table below indicates Colorado DUI laws and penalties based on first and subsequent offenses.
| Increased penalty for high BAC | Administrative license suspension after a first offense | Limited driving privileges during suspension | Ignition interlocks | Open container laws | Repeat offender laws |
|---|---|---|---|---|---|
| 0.15 | 3 months | Yes | Mandatory for high BAC (0.15), repeat offenders, highly incentivized for first conviction | Yes | No |
| 0.15 | 3 months | Yes | Mandatory for high BAC (0.15), repeat offenders, highly incentivized for first conviction | Yes | No |
*BAC is blood alcohol concentration
How long after a DUI does your insurance go down?
A DUI affects car insurance rates for at least three years, although the timeframe varies by state. In some states, like California, a DUI can impact your premiums for as long as 10 years.
In Colorado, drivers can expect higher car insurance rates after a DUI and expect it to stay on their record for 10 years.
Tips to save money after a DUI
A DUI can cost you thousands in fines, fees, and higher car insurance premiums. Fortunately, you can still take steps to reduce your rates after a DUI.
Ways Colorado drivers can reduce car insurance costs after a DUI include:
- Raising your deductible to lower your premium
- Checking for discounts, such as multi-policy savings or vehicle safety feature discounts
- Maintaining a clean driving record moving forward
- Completing a defensive driving course
- Working to improve your credit score
- Comparing quotes from several insurers
Methodology
We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Additional rate data is drawn based on:
- One and two DUI convictions
- Ages ranging from 16 to 75
Learn more about our data and methodology.
Colorado DUI insurance: Frequently asked questions
How far back do insurance companies look for a DUI?
Depending on the state, a DUI may stay on your driving record for up to 10 years. In most situations, a DUI influences car insurance rates for three to five years.
Will my insurance drop me after a DUI in Colorado?
Most insurers won't drop your policy after just one DUI, but your premiums will increase significantly. However, if you have multiple DUIs, your insurer may refuse to continue coverage. The greater the risk you pose, the more difficult it becomes to find car insurance.
Compare Colorado DUI car insurance rates with other states
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