DUI Car Insurance in Colorado (2025)
Drivers in Colorado with a DUI pay an average of $242 per month for car insurance.
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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 $109 per month. In comparison, drivers with a clean record can find rates as low as $71 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.
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.
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.
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.
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.
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.