Colorado Car Insurance with a DUI

If you get a DUI in Colorado, your car insurance is going to grow more expensive — it's just a question of by how much.


How does being convicted of DUI influence car insurance costs in Colorado?


In Colorado, a DUI will raise your yearly car insurance rate by an average of $601. That is 83% less than the national mean rate jump after a DUI.


AUTO INSURANCE AFTER A DUI IN COLORADO — AVERAGE ANNUAL PENALTY
AreaAvg. Annual Rate — no DUIAvg. Annual Rate — with DUIAvg. Increase After DUI
Colorado$1,757$2,359+34%
United States$1,548$2,556+65%

How to find auto insurance in Colorado with a DUI


Finding cheap auto insurance soon after a DUI conviction isn’t an easy task. In fact, a DUI typically results in a larger rate increase than any single driving violation — more than an at-fault accident, racing, or reckless driving. Colorado is a somewhat benign state in which to perpetrate a DUI: its auto insurance rate hikes are among the nation's least stringent.


Affordable car insurance after a DUI in Colorado

If you are found guilty of a DUI or DWI offense in Colorado, it is crucial to consider your insurance choices judiciously. Auto insurance rates after a DUI can fluctuate greatly depending on the insurer. For instance, the cheapest car insurance company with a DUI in Colorado, State Farm, offers annual prices 39% better than the state average insurance premium with a DUI. The second-most affordable company for car insurance with a DUI in Colorado is GEICO, while the priciest company is Farmers, with rates 27% more than average.


CAR INSURANCE COSTS AFTER A DUI IN COLORADO — BY INSURANCE COMPANY
Insurance CompanyAvg. Annual Rate — After DUI
State Farm$1,444
GEICO$2,199
USAA$2,324
Allstate$2,388
American Family$2,474
Progressive$2,537

There is no car insurer in particular that offers low-cost DUI auto insurance. The best way to save post-DUI citation is to look at multiple options.

Compare auto insurance quotes online or contact an insurance agent to weigh your choices and discover a relatively cheap policy.

Learn more about car insurance and DUI infractions.

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Colorado DUI regulations

Colorado is harsh against driving under the influence, maintaining two levels of offenses based on a driver's blood alcohol concentration:

  • You are Driving While Ability is Impaired (DWAI) in Colorado if your BAC is 0.05% or higher.
  • You are Driving Under the Influence (DUI) in Colorado if your BAC is 0.08% or higher.

In addition, commercial drivers are considered to be DUI in Colorado if their BAC is above 0.04%.

Those under the legal drinking age of 21 will be charged with Underage Drinking and Driving if their BAC reads between 0.02% and 0.05%. Those below 21 years old and over 0.05% BAC will be subject to the same penalties as an adult driver in Colorado.


DWAI penalties in Colorado

DWAI offenses are commonly considered misdemeanors in Colorado.

First-time offenses will result in:

  • Two to 180 days in jail
  • Fines between $200 and $500
  • Up to 96 hours of community service
  • Possible requirement to use an interlock ignition device
  • Possible requirement to attend alcohol courses
  • Eight points toward a license suspension

Second-time DWAI offenses in Colorado will result in:

  • 45 days to one year in jail
  • Fines between $300 and $1,000
  • A one year license revocation
  • Up to 96 hours of community service
  • Possible requirement to use an IID
  • Possible requirement to attend alcohol courses

If you're found guilty of a DWAI with a past DUI on your record, you will be subject to:

  • 60 days to one year in jail
  • $400 to $1,200 in fines
  • One-year license revocation
  • Up to 104 hours of community service

DUI penalties in Colorado

A DUI is considered a misdemeanor in Colorado.

A first-time DUI offense in Colorado leads to:

  • Five days to one year in jail
  • $600 to $1,000 in fines
  • A suspended license for nine months
  • Up to 96 hours of community service
  • Possible requirement to install an IID
  • Possible requirement to attend alcohol courses

A second-time DUI charge in Colorado results in:

  • 10 days to one year in jail
  • $600 to $1,500 in fines
  • A one-year license revocation
  • Up to 120 hours of community service
  • Possible requirement to install an IID
  • Possible requirement to attend alcohol courses

If you're found guilty of a DUI with a past DWAI on your record, you will be subject to:

  • 70 days to one year in jail
  • $450 to $1,500 in fines
  • Up to 112 hours of community service
  • A one-year revocation of your driver's license

Colorado does not have a specific lookback period, so past drunk driving convictions may have an impact on any penalties you receive for a DUI. In general, two or more DUIs within five years will subject you to harsher penalties.

A third DWAI/DUI charge will be considered a class four felony in Colorado. A DUI leading to injury or death may also be considered a felony, even if it's a first-time offense.


Persistent drunk driver penalties in Colorado

Colorado considers you a “persistent drunk driver” if:

  • You've been convicted of two or more DWAI/DUI charges
  • Have had your license revoked for two or more DWAI/DUI charges
  • You've driven with a license that has been suspended or revoked for DWAI/DUI charges
  • You've refused a DUI chemical test after a DWAI or DUI charge

You're also considered a persistent drunk driver if your BAC is 0.15% or higher at the time of arrest, even if it's your first DWAI or DUI charge.

In addition to higher fines and jail time, persistent drunk drivers must complete a level II alcohol and drug education and treatment program. An IID must also be installed and maintained for at least two years.


DUI penalties for underage drinkers in Colorado

The first charge for underage DUI in Colorado is deemed a class A traffic infraction. Subsequent violations are considered misdemeanors.

First-time offenders of underage DUI in Colorado are subject to:

  • Fines up $150
  • A mandatory driver's license of three months
  • Up to 24 hours of community service
  • Four points on your driving record
  • An alcohol/drug evaluation
  • Attendance in an alcohol/drug education and treatment program

Second-time offenses result in:

  • Fines up to $300
  • 10 to 90 days in jail
  • A mandatory driver's license of three months
  • Up to 24 hours of community service
  • Four points on your driving record
  • An alcohol/drug evaluation
  • Attendance in an alcohol/drug education and treatment program

Sources and references:

https://www.shouselaw.com/colorado/dui/dui_penalties.html

https://www.shouselaw.com/colorado/dui/CO_UDD.html

https://www.duiprocess.com/state/CO/duilaws.php

https://www.dmv.com/co/colorado/dui-dwi

https://www.dmv.org/co-colorado/automotive-law/dui.php

https://www.codot.gov/library/Brochures/COSTDUI09.pdf

https://dui.drivinglaws.org/colorado.php

https://statelaws.findlaw.com/colorado-law/what-are-the-colorado-dui-laws.html

https://www.colorado.gov/pacific/dmv/alcohol-dui

https://noduicolorado.org/faq/

Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.