Car Insurance After a DUI in Colorado: Cheapest Companies & Rates (2026)
A DUI in Colorado increases car insurance rates by an average of 84%, raising a typical full coverage policy from $2,172/year to $3,996/year. That's an increase of $1,824/year ($152/month). Rates typically return to normal after 3-7 years.
DUI Rate Impact in Colorado
Before DUI
$181/mo
$2,172/year full coverage
After DUI (+84%)
$333/mo
$3,996/year full coverage
Cheapest Companies After DUI in Colorado
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $246/mo | $2,957/yr | Military families |
| Erie Insurance | $263/mo | $3,157/yr | Rate lock guarantee |
| GEICO | $273/mo | $3,277/yr | Clean driving record |
| Progressive | $293/mo | $3,516/yr | Telematics savings |
| State Farm | $303/mo | $3,636/yr | Good students |
| Travelers | $316/mo | $3,796/yr | Multiple discounts |
| Nationwide | $346/mo | $4,156/yr | Bundling home + auto |
| Farmers | $360/mo | $4,316/yr | Signal telematics |
| Allstate | $373/mo | $4,476/yr | Accident forgiveness |
| Liberty Mutual | $393/mo | $4,715/yr | New car replacement |
Rates based on a 30-year-old driver with one DUI conviction, Colorado, full coverage. Updated March 2026.
These are estimates based on state averages. Your exact rate depends on your specific profile.
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DUI Legal Consequences in Colorado
- License suspension for 90 days to 1 year (first offense)
- Fines ranging from $500 to $5,000+
- Mandatory alcohol education or treatment program
- Possible ignition interlock device requirement
- SR-22 insurance filing required for 3 years
- Potential jail time (varies by BAC level and prior offenses)
SR-22 Insurance in Colorado
An SR-22 is a certificate of financial responsibility that your insurer files with the state. It's not a type of insurance — it's proof that you carry at least the state minimum coverage.
- Filing fee: $15-50 (one-time)
- Duration: 3 years in Colorado
- Lapsing your SR-22 triggers immediate license suspension
- Not all insurers offer SR-22 — Progressive, GEICO, and State Farm do
When Do Rates Return to Normal?
| Years After DUI | Estimated Monthly Rate | vs. Clean Record |
|---|---|---|
| Year 0 | $333/mo | +84% |
| Year 1 | $318/mo | +76% |
| Year 2 | $295/mo | +63% |
| Year 3 | $257/mo | +42% |
| Year 5 | $211/mo | +17% |
| Year 7 | $181/mo | Normal |