How Much Does Car Insurance Cost for Drivers with a DUI in Colorado?

When shopping for car insurance after getting a DUI, one of the many criteria used to establish rate quotes is where you live in Colorado. Areas with a lot of weather claims or more people like Pueblo, Aurora, and Colorado Springs are more likely to pay higher prices, whereas areas with lower vehicle theft rates and fewer weather claims have the enjoyment of a little cheaper coverage.

The information below illustrates the more expensive cities in Colorado for drivers with a DUI in which to purchase auto insurance.

Annual rates are approximated as the specific zip code location can increase or decrease coverage rates substantially.

Cost and performance of the vehicle you are buying coverage for is one of the primary factors when shopping for cheap auto insurance for drivers with a DUI in Colorado. Vehicles with higher performance, poor safety ratings, or high incidents of liability claims will cost more to insure than more economical and safe models. The lists below estimates insurance premiums for a handful of the more afforable vehicles to insure.

Prices based on single female driver age 40, two speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, and multi-policy. Rate information does not factor in zip code location which can decrease or increase rates significantly.

Data based on single female driver age 40, two speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, and multi-vehicle. Rate quotes do not factor in vehicle location which can alter insurance rates considerably.

Prices based on single female driver age 40, two speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, and multi-vehicle. Rate quotes do not factor in specific location information which can raise or lower premiums greatly.

Full coverage rates vs. liability-only in Colorado

Finding cheap auto insurance for drivers with a DUI in Colorado should be important to the majority of people, and one of the quickest ways to reduce the cost of insurance is to buy liability only. The illustration below illustrates the comparison of insurance prices with full physical damage coverage compared to only buying the minimum liability limits required in Colorado. The data assumes no claims, a clean driving record, $250 deductibles, single marital status, and no additional discounts are factored in.

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If averaged out across all ages, physical damage coverage costs $1,845 per year more than buying just liability insurance. Many drivers may wonder when is it safe to stop buying full coverage. There is no set guideline that works best for making the decision to drop full coverage on your policy, but there is a general guideline. If the yearly cost for physical damage coverage is more than 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

For example, let’s say your vehicle’s replacement cost is $4,500 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $3,500 after the policy deductible has been paid. If you are currently paying more than $350 a year to have full coverage, then you may need to consider dropping full coverage.