Best Auto Insurance After a DUI in Colorado (Top 10 Companies for 2024)
The top providers for the best auto insurance after a DUI in Colorado are State Farm, Progressive, and Allstate, with rates starting at $31/month. These companies offer competitive quotes, excellent customer service, qualifying coverage, and usage-based insurance to help manage costs and improve driving habits.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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UPDATED: Aug 14, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 14, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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17,757 reviews
Company Facts
Full Coverage for DUI in Colorado
A.M. Best Rating
Complaint Level
Pros & Cons
17,757 reviews
13,128 reviews
Company Facts
Full Coverage for DUI in Colorado
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
11,413 reviews
Company Facts
Full Coverage for DUI in Colorado
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviews
The top picks for the best auto insurance after a DUI in Colorado are State Farm, Progressive, and Allstate, offering rates starting at $31/month.
These companies offer excellent customer service and comprehensive coverage options. They also provide cheap usage-based auto insurance to help you save more by improving your driving habits.
Company Rank UBI Discount A.M. Best Best For Jump to Pros/Cons
#1 30% B Customer Service State Farm
#2 30% A+ Qualifying Coverage Progressive
#3 40% A+ Drivewise Programs Allstate
#4 30% A Costco Members American Family
#5 40% A+ Widespread Availability Nationwide
#6 30% A Signal App Farmers
#7 30% A++ Bundling Policies Travelers
#8 30% A Uber Drivers Liberty Mutual
#9 20% A Roadside Assistance AAA
#10 25% A+ Exclusive Benefits The Hartford
This guide will help you navigate the various auto insurance options available in Colorado after a DUI, ensuring you secure the best coverage for your specific needs. You can find affordable auto insurance no matter what your driving record looks like by entering your ZIP code below in our free quote comparison tool.
- State Farm offers the best auto insurance rates in Colorado after a DUI
- Compare quotes starting at $31/month to find the best coverage for your needs
- DUI car insurance options include programs to lower premiums and improve driving
#1 – State Farm: Top Overall Pick
Pros
- DUI Specialist Agents: State Farm provides dedicated agents who specialize in handling DUI cases in Colorado, offering expert guidance tailored to your situation.
- 24/7 Support: Their customer service is available around the clock, ensuring DUI drivers in Colorado receive assistance anytime they need it. Find out more in our State Farm review.
- Personalized Care: State Farm offers tailored customer service for DUI drivers in Colorado, ensuring personalized attention to each individual’s case.
Cons
- Fewer Online Resources: State Farm may offer fewer online resources specifically for DUI drivers in Colorado, making it harder to find self-service options.
- Limited Digital Tools: Their digital tools and mobile app might not be as sophisticated for DUI drivers in Colorado after a DUI, which could result in a less efficient experience compared to competitors.
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#2 – Progressive: Best for Qualifying Coverage
Pros
- Customizable DUI Coverage: Progressive allows DUI drivers in Colorado to customize their coverage extensively, ensuring it meets their specific needs, which you can learn about in our Progressive review.
- Snapshot App: The Snapshot app tracks driving behavior and provides discounts based on improvements, helping DUI drivers in Colorado reduce their premiums.
- Varied Policy Options: DUI drivers in Colorado can choose from a variety of policy options, including those specifically designed for high-risk situations.
Cons
- Inconsistent Rate Fluctuations: Rates can vary widely depending on individual circumstances, which might be unpredictable for DUI drivers in Colorado.
- Complex Policy Details: The complexity of Progressive’s policies might be challenging for DUI drivers in Colorado to fully understand and navigate.
#3 – Allstate: Best for Drivewise Programs
Pros
- Real-Time Driving Feedback: Allstate’s Drivewise program offers real-time feedback on driving behavior, helping DUI drivers in Colorado improve their habits and potentially lower rates.
- Drivewise App: The Drivewise app helps DUI drivers in Colorado save money by rewarding safe driving and tracking improvements. For a complete list, read our Allstate review.
- Gamified Driving: Allstate’s Drivewise makes improving driving habits engaging for DUI drivers in Colorado through gamified challenges and rewards.
Cons
- Data Privacy Concerns: DUI drivers in Colorado might be concerned about privacy, as the Drivewise program collects extensive driving data.
- Dependence on App Usage: The effectiveness of Drivewise requires consistent use of the app, which may not suit all DUI drivers in Colorado.
#4 – American Family: Best for Costco Members
Pros
- Exclusive Costco Discounts: American Family provides significant discounts for Costco members, making insurance more affordable for DUI drivers in Colorado.
- Enhanced Coverage for Members: Costco members in Colorado have access to better coverage options compared to non-members, particularly relevant for those dealing with situations like a DUI in Colorado. Read more in our review of American Family.
- Priority Claim Processing: Members benefit from prioritized claim processing, ensuring faster resolutions for DUI drivers in Colorado.
Cons
- Membership Exclusivity: Benefits are limited to Costco members, leaving non-members with potentially higher rates and fewer perks for DUI insurance in Colorado.
- Potential Coverage Gaps: Individuals who are not members might face coverage gaps or less advantageous terms, especially if they are dealing with issues like Colorado after a DUI and do not qualify for member benefits.
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#5 – Nationwide: Best for Widespread Availability
Pros
- Broad Coverage Access: Nationwide’s extensive network ensures DUI drivers in Colorado have access to coverage options statewide, which you can learn about in our Nationwide review.
- Consistent Coverage Quality: DUI drivers in Colorado benefit from consistent coverage quality regardless of their location.
- Local Agent Support: Nationwide offers access to local agents who understand regional needs and can provide personalized support for DUI drivers in Colorado.
Cons
- Regional Pricing Differences: Pricing may vary widely depending on the region within Colorado, leading to inconsistent rates for DUI drivers across different areas.
- Less Competitive Discounts: Nationwide may provide fewer competitive discounts for drivers with a DUI in Colorado compared to other major insurance companies.
#6 – Farmers: Best for Signal App
Pros
- Detailed Driving Analytics: The Signal app offers detailed driving analytics, helping DUI drivers in Colorado improve their habits and lower rates, which you can check out in our Farmers review.
- Rewards for Improvement: DUI drivers in Colorado can earn rewards and discounts for improved driving behavior tracked through the Signal app.
- Interactive Feedback: The app offers interactive features to engage DUI drivers in Colorado, making it easier to track progress and see the impact on premiums.
Cons
- App Usage Required: The effectiveness of the Signal app relies on regular use, which might not appeal to all DUI drivers in Colorado.
- Technical Glitches: Performance issues or glitches with the app can interfere with tracking and rewards, reducing the effectiveness of savings for drivers in Colorado after a DUI.
#7 – Travelers: Best for Bundling Policies
Pros
- Discounts for Bundling: DUI drivers in Colorado can save significantly by bundling multiple policies with Travelers, reducing overall insurance costs. Read our Travelers review to learn what else is offered.
- Streamlined Insurance Management: Bundling simplifies the management of insurance policies, making it easier for DUI drivers in Colorado to handle their coverage.
- Customizable Bundling Options: Travelers provides customizable bundling options for DUI drivers in Colorado, enabling them to tailor their coverage according to their individual requirements.
Cons
- Potential Overlap: Bundling multiple policies may lead to coverage overlap or redundancy, potentially complicating claims for DUI drivers in Colorado.
- Policy Complexity: The intricacies of bundled insurance policies can make it difficult for drivers in Colorado after a DUI to fully grasp their coverage and benefits.
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#8 – Liberty Mutual: Best for Uber Drivers
Pros
- Rideshare Coverage: Liberty Mutual offers specialized rideshare insurance for Uber drivers in Colorado, addressing the unique risks after a DUI.
- Dedicated Rideshare Support: They provide dedicated support and resources for Uber drivers in Colorado dealing with DUI issues, which you can read more about in our review of Liberty Mutual.
- Rideshare App Integration: Liberty Mutual supports integration with rideshare apps, offering convenience and tailored coverage for Uber drivers in Colorado after a DUI.
Cons
- Higher Insurance Costs: Insurance costs for Uber drivers with a DUI in Colorado might be higher compared to other options, affecting affordability.
- Limited Availability: Rideshare coverage might not be accessible in all parts of Colorado after a DUI, which could restrict options for certain Uber drivers.
#9 – AAA: Best for Roadside Assistance
Pros
- Extensive Roadside Services: AAA provides extensive roadside assistance, including towing and fuel delivery, ideal for DUI drivers in Colorado. Read our AAA review for a full list.
- Quick Response Times: Their service is known for quick response times, ensuring DUI drivers in Colorado receive timely help when needed.
- Additional Perks: AAA’s roadside assistance includes additional perks like towing and fuel delivery, which are valuable for DUI drivers in Colorado.
Cons
- Higher Insurance Rates: The inclusion of extensive roadside assistance can lead to higher insurance rates for DUI drivers in Colorado.
- Service Limits: Certain roadside assistance services might have limits or exclusions that could impact DUI drivers in Colorado in specific scenarios.
#10 – The Hartford: Best for Exclusive Benefits
Pros
- Unique Perks for DUI Drivers: The Hartford provides exclusive benefits for DUI drivers in Colorado, offering additional features not available with other insurers. Learn more in our The Hartford review.
- Enhanced Coverage Options: Their policies include enhanced coverage options that cater specifically to DUI drivers in Colorado.
- Specialized Support: The Hartford provides specialized assistance for drivers in Colorado after a DUI, focusing on their specific needs and offering customized solutions.
Cons
- Potentially Higher Premiums: Premiums with The Hartford might be higher for DUI drivers in Colorado compared to other insurance providers.
- Benefit Variability: The perceived value of exclusive benefits can differ among individuals with a DUI in Colorado, with some drivers finding these benefits to be less useful or relevant.
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Colorado DUI Auto Insurance Rates: Coverage Levels and Providers
In Colorado, auto insurance rates for drivers with a DUI conviction differ significantly depending on the provider and coverage level. This table breaks down the monthly high-risk auto insurance costs for both minimum and full coverage options across various insurance companies.
Insurance Company Minimum Coverage Full Coverage
AAA $85 $210
Allstate $68 $226
American Family $63 $211
Farmers $68 $224
Liberty Mutual $34 $114
Nationwide $76 $253
Progressive $41 $136
State Farm $31 $102
The Hartford $90 $220
Travelers $72 $239
In Colorado, monthly auto insurance rates for drivers with a DUI conviction vary widely by provider and coverage level. For minimum coverage, rates range from $31 with State Farm to $90 with The Hartford.
State Farm offers the best overall auto insurance for drivers in Colorado after a DUI, combining competitive rates with excellent customer service.Brandon Frady Licensed Insurance Producer
For full coverage, the monthly costs span from $102 with State Farm to $253 with Nationwide. Liberty Mutual offers the lowest rates for both coverage types, while Nationwide presents the highest full coverage rates.
Key Factors Affecting Auto Insurance Rates in Colorado After a DUI
Navigating auto insurance rates in Colorado can be complex, especially after a DUI. Along with your age and driving record, understanding how various factors influence your premiums is crucial to lowering rates:
- Make and Model: The type of vehicle plays a crucial role in determining rates. Expensive or high-performance vehicles often have higher premiums due to their repair costs and higher likelihood of theft.
- Type of Coverage: The extent of coverage chosen—liability, collision, comprehensive, etc.—directly impacts premiums. More extensive coverage options generally lead to higher rates.
- Location: Insurance rates vary by location due to differences in risk factors like traffic density, crime rates, and accident frequency. Urban areas often have higher premiums compared to rural areas.
By considering these factors—age, vehicle type, coverage level, location, and customer service—you can better understand how each contributes to your insurance premiums after a DUI.
Reading insurance company reviews can also help you secure better rates. For instance, insurance companies with better customer service and efficient claims processing may offer lower rates or discounts.
Staying informed and exploring your options can help you manage your costs effectively and find the best coverage for your needs.
Learn More: Best States for Affordable DUI Auto Insurance
How to Lower Auto Insurance Rates in Colorado After a DUI
Finding the right insurance after a DUI can be complex, but understanding the rates and available discounts can help you save. Review the discounts offered by the best high-risk insurance companies to find potential savings and choose the best option for your needs.
The table below provides an overview of available discounts from the best auto insurance companies in Colorado after a DUI. From defensive driving courses to multi-policy savings, these discounts can make a significant difference.
Facing higher auto insurance rates following a DUI conviction can be challenging, but there are several strategies you can employ to manage and potentially reduce your premiums. By taking proactive steps, you can mitigate the financial impact and find more affordable insurance options.
Explore these options to find the best savings for your situation.
Shop Around and Compare Quotes
Compare quotes from multiple insurance providers to find the most competitive rates. Each insurer evaluates risk differently, so rates can vary significantly. Use online comparison tools or consult with insurance agents to explore various options and select the policy that best fits your needs and budget.
Complete a Defensive Driving Course
Enroll in a state-approved defensive driving course. Many insurers offer discounts for drivers who complete these courses, as they demonstrate a commitment to improving driving skills and reducing risk. Check with your insurance provider to see if they offer discounts for such programs and ensure the course is recognized by your insurer. Learn how to get a defensive driver auto insurance discount.
Maintain a Clean Driving Record
Avoid any additional traffic violations and accidents to demonstrate responsible driving behavior. Auto insurance companies check your driving record when determining rates, and a clean record over time can help reduce your premiums. Patience and consistent good driving habits will contribute to lowering your rates in the long run.
Utilize Telematics Programs
Consider participating in telematics or usage-based insurance. These programs track your driving behavior, such as speed, braking, and mileage, and provide discounts based on safe driving practices. If you consistently drive responsibly, you may qualify for lower rates.
Bundle Policies for Discounts
Combine your auto insurance with other types of insurance, such as home, renters, or life insurance, through the same provider. Many insurers offer multi-policy discounts, which can lead to significant savings. Evaluate your current insurance needs and explore bundling options to maximize potential savings.
By implementing these strategies, you can effectively manage the financial implications of a DUI conviction and work towards getting cheap auto insurance after a DUI.
Taking a proactive approach to insurance shopping, maintaining a clean driving record, and exploring discounts will not only help you find more affordable coverage but also demonstrate your commitment to responsible driving.
Essential Auto Insurance Guide for Colorado Drivers After a DUI
After a DUI in Colorado, you’ll need SR-22 auto insurance for at least three years to prove you meet the state’s minimum coverage requirements. Expect higher premiums, which vary by provider, so compare quotes to find the best rate. Some insurers might not renew your policy, so secure new coverage promptly.
Consider high-risk insurance options and look for discounts on telematics programs or defensive driving courses to lower costs. Providers like Progressive, Allstate, and State Farm offer specialized DUI coverage and flexible options.
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Case Studies: Reducing Auto Insurance Rates in Colorado After a DUI
Navigating high auto insurance rates after a DUI can be challenging, but practical strategies can help manage and reduce costs. The following case studies illustrate how different approaches can lead to significant savings on auto insurance premiums.
- Case Study #1 – Saving Big After a DUI With Defensive Driving Courses: Jessica, facing high auto insurance premiums after a DUI conviction, completed a state-approved defensive driving course for a 10% discount from her insurer. This improved her driving skills and lowered her insurance rates.
- Case Study #2 – Leveraging Telematics Programs to Lower Rates: After Mark’s DUI conviction resulted in elevated auto insurance premiums, he decided to participate in a telematics program that monitored his driving habits. By demonstrating better driving behavior, he secured substantial discounts on his collision auto insurance and received valuable insights.
- Case Study #3 – Bundling Insurance Policies for Maximum Savings: After her DUI conviction, Sarah bundled her auto and homeowner’s insurance to manage rising premiums. The multi-policy discount significantly reduced her overall insurance costs and provided financial relief.
These case studies illustrate how individuals can lower their auto insurance rates in Colorado following a DUI conviction.
Strategies such as enrolling in defensive driving courses, utilizing telematics programs, and bundling policies are effective ways to achieve substantial savings and manage collision auto insurance costs more effectively.
The Best DUI Auto Insurance in Colorado
If you have a DUI in Colorado, finding affordable auto insurance can be challenging. Top providers like State Farm, Progressive, and Allstate offer competitive rates, starting at $31/month. Allstate provides coverage options and discounts for improved driving habits through programs like Drivewise. Learn more in our Allstate Drivewise review.
State Farm stands out as the top choice for Colorado drivers with a DUI, offering unbeatable rates and stellar customer support.Dani Best Licensed Insurance Producer
SR-22 insurance is required for three years to meet state minimums. To manage costs, consider comparing quotes, looking for discounts on defensive driving courses, and exploring telematics programs.
To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool below to instantly compare prices from various companies near you.
Frequently Asked Questions
What is the best car insurance for a DUI in Colorado?
The best car insurance for a DUI in Colorado often includes companies like State Farm, Progressive, and Allstate. These providers offer competitive rates and specialized programs to help manage costs, such as Drivewise programs from Allstate or discounts for safe driving with Progressive.
What is the cheapest car insurance after a DUI?
The cheapest car insurance after a DUI in Colorado typically comes from providers like State Farm and Liberty Mutual. Rates can start as low as $31 per month for minimum coverage, though prices may vary based on individual circumstances and coverage levels.
Get the right car insurance at the best price — enter your ZIP code below to shop for coverage from the top insurers.
How long does a DUI affect your insurance in Colorado?
A DUI can significantly affect your insurance rates for up to 3 to 5 years in Colorado. The exact duration and impact depend on the insurance company and your driving history. Insurers will usually review your record periodically during this time. Find out how auto insurance companies check driving records.
How long does a DUI stay on your record in Colorado?
In Colorado, a DUI conviction stays on your driving record for 10 years. During this time, it can impact your insurance rates and may be visible to potential employers or background checks.
Is Colorado tough on DUI?
Yes, Colorado is known for having strict DUI laws. Penalties for DUI convictions can include fines, license suspension, mandatory alcohol education programs, and increased insurance rates. The state also requires SR-22 insurance for high-risk drivers.
Can I drive after a DUI in Colorado?
Yes, you can drive after a DUI in Colorado, but you may face license suspension or restrictions depending on the severity of the offense and your compliance with court orders. You’ll need to obtain SR-22 insurance and meet any reinstatement requirements. Learn more about how a suspended license affects auto insurance rates.
How much does a DUI lawyer cost in Colorado?
The cost of a DUI lawyer in Colorado can range from $2,000 to $10,000 or more, depending on the complexity of the case and the lawyer’s experience. It’s important to consult with multiple attorneys to get an accurate estimate and choose one that fits your needs.
Can you get your license back after a DUI in Colorado?
Yes, you can get your license back after a DUI in Colorado, but you must fulfill certain requirements such as completing any court-ordered programs, paying fines, and providing proof of SR-22 insurance. The process may also involve a suspension period before reinstatement.
How long is a DUI on your driving record in Colorado?
A DUI remains on your driving record in Colorado for 10 years. This period affects your insurance premiums and may have other legal implications, including employment and licensing issues. Click here to get cheap auto insurance for a bad driving record.
What is the cheapest full coverage car insurance in Colorado?
The cheapest full coverage car insurance in Colorado is often provided by companies like State Farm and Liberty Mutual, with rates starting around $102 per month. However, it’s essential to compare quotes from multiple providers to find the best rate for your specific needs and driving history.
Shop for the best liability-only car insurance with our free quote comparison tool. Enter your ZIP code below to begin.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.