DUI Car Insurance in Colorado (2026)
Drivers in Colorado with a DUI pay an average of $219 per month for car insurance.
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Written byAlani Asis
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Alani AsisFreelance Personal Finance and Insurance Writer
4-plus years of insurance writing
Bylines in top personal finance publications
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Edited byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
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NPN: 21630969
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Reviewed byDaniel Roccato
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Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Updated
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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 $74 per month. In comparison, drivers with a clean record can find rates as low as $52 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 $135 for liability coverage and $302 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 in Colorado are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $74 |
| Sun Coast | $90 |
| The General | $95 |
| USAA | $95 |
| Progressive | $96 |
| American Family | $97 |
| Root | $105 |
| Mile Auto | $109 |
| GEICO | $113 |
| Allstate | $115 |
| Bristol West | $123 |
| Nationwide | $123 |
| Auto-Owners | $125 |
| Mendota | $149 |
| Trexis | $150 |
| National General | $160 |
| Safeco | $166 |
| Insurify Car | $173 |
| Dairyland | $174 |
| Direct Auto | $174 |
| Travelers | $186 |
| Farmers | $194 |
| Liberty Mutual | $254 |
Disclaimer: Table data sourced from real-time Colorado car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Colorado may vary based on the policy buyer's unique driver profile.
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Monthly rates start at $74 for drivers with a DUI
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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 | $135 | $97 |
Disclaimer: Table data is based on real-time Colorado quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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.
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.
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.
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]
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.
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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 $74, 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 $219 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
- Department of Revenue - Motor Vehicle. "SR-22 and Insurance Information."
- Colorado.gov. "Colorado Drunk Driving Laws."
- Colorado General Assembly. "Mandatory Automobile Insurance in Colorado."
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Alani AsisFreelance Personal Finance and Insurance Writer
4-plus years of insurance writing
Bylines in top personal finance publications
Featured in
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego