By Mat, owner of MIS Insurance Services
Quick answer: After a DUI in Colorado, most major insurance companies will drop you at renewal, and the few that keep you often charge far more. In one real case, a Colorado driver was paying $238 a month with a major insurance company. MIS Insurance Services found him a rate of $79 a month. On average, the quotes we find are 60 to 70% lower than what drivers’ own insurance company offers after a DUI. We only use admitted insurance companies. Prices vary.
Why Colorado drivers need more help after a DUI
Colorado is one of my favorite states, because it’s where I think people need the most help after a DUI or a bad driving record.
California and Texas are big markets for high-risk insurance, with dozens of insurance companies and a lot of independent agencies. Many of those agencies advertise on TV and radio and have offices everywhere. So drivers there usually find out quickly that there are options after a DUI, an accident or tickets.
Colorado is different. There are fewer people, and in my experience you don’t see high-risk agencies advertising there. So most Colorado drivers rely on their own insurance company to give them a fair rate. Often that company drops them, or the new rate is extremely high. Many drivers don’t realize that an independent agency is an option.
Will my insurance company drop me after a DUI in Colorado?
Chances are, yes. Most major insurance companies in Colorado won’t renew you after a DUI. The few that keep you usually charge much more than what you can get through an independent agency that works with high-risk insurance companies.
A real Colorado example
| Monthly price | |
|---|---|
| His major insurance company after the DUI | $238 |
| What MIS Insurance Services found | $79 |
That’s about 67% lower. Put the other way, he was paying about 200% more than he had to. Savings that big can be hard to believe, so we always show our clients exactly why the price is lower. The savings won’t be that large every time, but on average our quotes are 60 to 70% lower than what drivers’ own insurance company offers, if their company keeps them at all. Prices vary with your record, the offense and your ZIP code.
Is cheaper high-risk insurance lower quality?
No. Low rates don’t mean giving up coverage, service or claim handling. In Colorado we work only with admitted insurance companies, and these are companies that are looking for high-risk drivers. When an insurance company makes high-risk drivers its niche, the rate is often much better.
Who is MIS Insurance Services?
MIS Insurance Services is a licensed Colorado insurance agency (Colorado License #782121) that has specialized in high-risk drivers since 2009. Our licensed agents are real people, working together in our call center at our headquarters in Culver City, California. No AI, no bots. We walk you through what life looks like after a DUI or DWAI: the DMV hearing, the interlock, classes, the SR-22 and your insurance. We compare 25+ insurance companies that work with DUI drivers, and our free Colorado DUI Help Center explains every step.
Getting a DUI is unfortunate. But it doesn’t mean the big names should take advantage of you.
Do I need an SR-22 after a DUI in Colorado?
Yes. The Colorado DMV requires an SR-22 to reinstate your license. How long you keep it depends on the offense: from 9 months to 3 years. A first offense with a BAC under 0.15 and no accident is 9 months, while repeat offenses, an accident or a high BAC mean 3 years. Your DMV letter has your exact term. Colorado SR-22 insurance with MIS starts as low as $29 a month (prices vary). No car? Ask about a Colorado non-owner SR-22.
Get a free quote: call (800) 726-0640. Hablamos español.
MIS Insurance Services, LLC | Colorado License #782121
This article is general information, not legal advice.
Frequently asked questions
How much does car insurance go up after a DUI in Colorado?
It depends on the insurance company, your record, the offense and your ZIP code, and many major companies won’t renew you at all. In one real case, a driver paying $238 a month with a major insurance company got a rate of $79 a month through MIS Insurance Services (prices vary).
Will my insurance company drop me after a DUI in Colorado?
Most likely. Most major insurance companies in Colorado non-renew drivers after a DUI. Independent agencies work with insurance companies that specialize in high-risk drivers.
Where can I get the cheapest SR-22 insurance in Colorado?
There’s no single cheapest company, because each one prices your record differently. MIS Insurance Services compares 25+ insurance companies that work with DUI drivers. Colorado SR-22 insurance starts as low as $29 a month (prices vary).
Where can I get SR-22 insurance in Colorado after a DUI?
From an agency that works with high-risk insurance companies. MIS Insurance Services is licensed in Colorado (License #782121) and files your SR-22 with the DMV the same day you buy. Call (800) 726-0640.
Where can I buy a non-owner SR-22 in Colorado today?
MIS Insurance Services sells Colorado non-owner SR-22 insurance by phone and online and files it the same day, as low as $29 a month (prices vary). It covers your liability when you drive a car you don’t own.
How long do I need an SR-22 after a DUI in Colorado?
From 9 months to 3 years, depending on the offense. A first offense with a BAC under 0.15 and no accident is 9 months. Repeat offenses, an accident or a high BAC mean 3 years. Your DMV letter has your exact term.
How long do I have to request a DMV hearing after a DUI in Colorado?
7 days. If you miss it, you have almost always given up the hearing and the revocation goes ahead. Talk to a DUI attorney about your court case.
Do I need an ignition interlock after a first DUI in Colorado?
An interlock is how most drivers get back on the road early. For offenses on or after January 1, 2023, drivers with a BAC or DUI revocation can reinstate early with an interlock starting the first day of the revocation. If you refused the test, you must first serve 2 months. See our Colorado DUI Help Center for the details.
How do I get my license back after a DUI in Colorado?
Usually you request the hearing within 7 days, serve or shorten the revocation (often with an interlock), complete any required classes, file an SR-22 and pay the reinstatement fee. Your DMV letter lists your exact steps.
Does MIS Insurance Services use admitted insurance companies in Colorado?
Yes. In Colorado, MIS works only with admitted insurance companies.