DUI Car Insurance in Colorado (2025)

Drivers in Colorado with a DUI pay an average of $245 per month for car insurance.

Secure. Free. Easy-to-use.
Excellent
State farm LogoProgressive LogoAllstate LogoLiberty Mutual LogoFarmers LogoThe General Logo120+ more

Cheapest recent rates in Colorado for drivers with a DUI

Recent Colorado car insurance prices for Hyundai, Ford, Chevrolet , and more.

*Quotes generated for Insurify users from Colorado within the last 10 days. Last updated on May 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Colorado within the last 10 days. Last updated on May 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Alani Asis
Written byAlani Asis
Alani Asis
Alani Asis
  • 3 años de experiencia en redacción de contenidos

  • Artículos en destacadas publicaciones financieras

Alani es una escritora independiente especializada en finanzas personales. Su objetivo es hacer que los temas complejos sean más accesibles a través de contenidos divertidos y digestibles.

Featured in

media logomedia logomedia logo
Sara Getman
Edited bySara Getman
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.

Daniel Roccato
Reviewed byDaniel Roccato
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Updated

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Driving under the influence (DUI) is a serious offense and can increase your insurance rates significantly. The cheapest rate for liability-only car insurance with a DUI is $71 per month. In comparison, drivers with a clean record can find rates as low as $45 per month.

Luckily, you have ways to get a better rate on your policy. Keep reading to find out how a DUI conviction can influence your premiums in Colorado and how to get affordable coverage.

Quick Facts
  • Colorado drivers with a DUI pay monthly averages of $155 for liability coverage and $333 for full coverage. 

  • In Colorado, a DUI can remain on your driving record for up to 10 years and stay on your criminal record permanently.

  • High-risk drivers in Colorado may need to obtain an SR-22 certificate and maintain it for three years to keep their driver’s license active.

Cheapest car insurance quotes after a DUI in Colorado

In Colorado, the cheapest car insurance after a DUI is from State Farm. The table below shows quotes from insurance companies for Colorado drivers after a DUI offense.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote: Liability Only
sort ascsort desc
State Farm$71
USAA$92
American Family$98
Allstate$111
Root$116
Nationwide$119
Progressive$125
Sun Coast$126
Auto-Owners$128
Bristol West$141
The General$144
Travelers$180
Safeco$180
Farmers$188
Dairyland$201
Direct Auto$207
National General$234
Liberty Mutual$341
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Cheap Car Insurance in Colorado

Monthly rates start at $71 for drivers with a DUI

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

How a DUI affects car insurance rates in Colorado

If you have a DUI conviction in Colorado, insurance companies typically view you as a high-risk driver. This designation can cause a significant increase in your insurance rates. The table below compares the cost of a liability-only insurance policy with and without a DUI.

 
With DUI
Without DUI
Average driver$155$100
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get car insurance with a DUI in Colorado

Colorado drivers with a DUI conviction may face challenges in finding affordable coverage. Some insurance companies may even deny you coverage if you’re a high-risk driver with multiple or serious offenses. The good news is you still have options.

Below is a step-by-step breakdown on how to get car insurance with a DUI in Colorado.

  • illustration card https://a.storyblok.com/f/162273/150x150/1daf58783c/contact-us-96x96-orange_023-customer-support.svg

    Step 1: Research insurance companies

    Ask your insurance agent if your insurance company offers coverage for high-risk drivers. You may have an SR-22 requirement, which your insurance company must file for you.

    If your company doesn’t file SR-22s, research companies that do. Most major insurance companies offer SR-22 filings, but it’s a good idea to call and confirm. Additionally, you can ask about the coverages and discounts they offer while you get quotes.

  • illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    Step 2: Compare insurance quotes

    Once you’ve determined which companies offer SR-22 filing, you’ll want to compare quotes. The best company for you will offer the lowest price for the coverage you need. Be sure that your policy limits, coverage types, and deductibles are similar so you can make the best comparison. If you have an SR-22, you’ll need to hold at least state-minimum coverage.

  • illustration card https://a.storyblok.com/f/162273/100x100/4d03c561b5/declaration-page.svg

    Step 3: Ask for SR-22 coverage

    Before finalizing your policy, let your insurance company know that you need an SR-22, and it’ll file it with the Colorado DMV or the issuing court. It’s important that you maintain your SR-22 coverage as long as your state requires it. If you cancel your insurance policy, your insurer will notify the DMV, it’ll revoke your license, and you’ll have to restart the SR-22 time frame.[1]

  • illustration card https://a.storyblok.com/f/162273/150x150/8329623678/money-96x96-blue_025-online-money.svg

    Step 4: Shop annually

    It’s a good idea to shop for car insurance before your insurance policy renews. The effect of a DUI conviction on your rates lessens as time goes on, and you may score better rates from other companies if you switch.

DUI laws in Colorado

Unlike in other U.S. states, a DUI conviction in Colorado stays on your criminal record permanently and can result in fines, license revocation, jail time, and a public service sentence, even for your first offense. 

Multiple offenses can lead to jail time of up to six years and fines upward of $1,500.[2] A DUI can also remain on your driving record for up to 10 years, causing your insurance premiums to stay high.

If you have a DUI, Colorado may require you to obtain an SR-22 form to have your license reinstated. An SR-22 is a form that proves you meet the state’s minimum coverage for car insurance, and you need to hold coverage continuously for at least three years. A lapse in coverage will immediately suspend your license and restart your SR-22 time requirement. You’ll know you need SR-22 insurance if you receive an order from the court or the DMV.

Compare Colorado Car Insurance Quotes

Score the best car insurance rates for your record

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Minimum car insurance requirements in Colorado

Colorado requires drivers to carry the minimum coverage for car insurance, regardless of whether you have a DUI charge. These are the minimum coverage requirements in the state:[3]

  • $25,000 per person in bodily injury liability

  • $50,000 per accident in bodily injury liability

  • $15,000 per accident in property damage liability

A DUI in Colorado can stay on your driving record for up to 10 years and on your criminal record permanently. The severity and frequency of the offense can also affect how long a DUI stays on your record and the penalties you receive. If you move, the length of time a DUI stays on your driving record varies by state.

DUI car insurance in Colorado FAQs

A DUI can make your insurance rates more expensive. Below are a few frequently asked questions to help you learn more about car insurance coverage with a DUI on your record.

  • What is the cheapest car insurance company in Colorado after a DUI?

    The cheapest car insurance company in Colorado after a DUI charge is $71, but this might not be the case for everyone. It’s a good idea to compare quotes from multiple companies to find the most affordable insurance for you.

  • How long will a DUI affect your car insurance premium?

    A DUI charge can affect your car insurance premiums for as long as it stays on your driving record. In Colorado, a DUI can stay on your record for up to 10 years.

  • How much is DUI insurance in Colorado?

    DUI insurance in Colorado costs an average of $245 per month, but your quote can look different based on factors like your age, location, driving history, and more.

  • Do you need an SR-22 to reinstate your license?

    It depends. You only need an SR-22 to reinstate your license if required by court order or the Colorado DMV. If you have a clean driving record, you likely won’t need an SR-22.

  • How much is SR-22 insurance in Colorado?

    SR-22 insurance in Colorado costs $191 per month, on average. The cost of your specific premium will depend on your insurance company, your driving profile, and the coverages you choose.

Sources

  1. Department of Revenue - Motor Vehicle. "SR-22 and Insurance Information."
  2. Colorado.gov. "Colorado Drunk Driving Laws."
  3. Colorado General Assembly. "Mandatory Automobile Insurance in Colorado."
Alani Asis
Alani Asis

Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.

Alani has been a contributor at Insurify since January 2023.

Sara Getman
Edited bySara GetmanAssociate Editor
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.

Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate