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Cheap DUI Car Insurance in Colorado (With Quotes)

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Jeanette Wisniewski

By: Jeanette Wisniewski

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Best DUI Insurance Companies in Colorado (2022)

For drivers with a DUI or DWI offense in Colorado, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after a DUI.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Colorado. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in Colorado.

CarrierAvg. Monthly Cost
Bristol West$149
Sun Coast General Insurance Agency, Inc.$149
Metropolitan Property and Casualty Insurance Company$168
Liberty Mutual$215
Dairyland Insurance$236
Safeco Insurance$252
The General$268

DUI Car Insurance Costs in Colorado

In Colorado, a DUI or DWI offense will on average have drivers paying $423 per month and $5,076 per year for their car insurance rates.

Compared to drivers with a clean driving record, that is on average an 78% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.

Avg. Monthly Cost - No Violation
Avg. Monthly Cost - After DUI
$186 ▴
78.48% ▴
Monthly Impact of DUI on Rates
Percent Bad DUI Impact Rates

Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.

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How Much Does a DUI Impact Car Insurance Rates in Colorado?

A DUI is something everyone wants to forget. In reality, it's something that will likely stay with you a long time. How could it not, knowing that you are now paying 78 percent more for insurance than the driver next to you without a DUI? It's true. Rates in Colorado increase that much.

If you haven't seen your new insurance bill yet, you should expect to see an increase of $186 after a DUI. The average insurance bill for Coloradans with this driving mistake is $423. Insurance companies have to tack on more as their way of insuring themselves against rising risk. Because of your behavior, you're more likely to make a claim now than ever before. Every month's insurance premium is a reminder to do better next time.

No Violation - Avg. Monthly Rate After DUI - Avg. Monthly Rate Average Percent Increase After DUI

What Are the Average Car Insurance Prices After a DUI in Colorado?

Because your circumstances will dictate your exact car insurance rates, getting the best read on just how much you'll pay after a DUI in Colorado is next to impossible without comparison shopping yourself. However, the average premium for Colorado drivers with a DUI on their record is $423.

Colorado ranks 19th most expensive in the nation when it comes to car insurance costs after a DUI—something to keep in mind as you review your options. While moving to a cheaper state may not be feasible, using an insurance comparison website to run the numbers gives you the most individualized outlook on the best premiums available.

Colorado After DUI Avg. Monthly Rate Most Expensive State for DUI (1-50)

How Long Is the Lookback Period for a DUI in Colorado?

There is no lookback period for DUIs in the state of Colorado. A lookback period is the time period within which, if you have a DUI on your record, it will be counted against you while determining your insurance rates and if you are caught for any subsequent driving offenses.

This is important to know, as each DUI offense carries with it progressively stringent penalties. That should weigh heavily on any driver before they get behind the wheel. Motorists convicted of a third DUI within seven years will have their license revoked for five years. Your fourth DUI offense counts as a felony.

Colorado DUI Penalties

The consequences for DUI convictions in Colorado are varied and depend on several factors, including your blood alcohol content, your age, whether there were minors in the vehicle at the time of your DUI, and how many times you've received the same conviction.
Though you can get a better idea of exact consequences here, penalties include up to 12 points against your license, losing your license for up to five years, 120 hours of community service, and up to 180 hours in a treatment and education program. Additionally, an ignition interlock device may be installed on your vehicle, you can face as much as six years in prison, and you may have to pay fees exceeding $1,500.

Top Auto Insurance Companies

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Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Colorado Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Colorado. Insurify analyzed the latest data for the five most populous cities in Colorado to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Colorado and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Jeanette Wisniewski
Jeanette Wisniewski

Content Writer at Insurify

Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.

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