Finding out which companies quote the lowest-priced auto insurance rates for drivers with a DUI takes a bit more work in order to find a policy that fits your budget. Every car insurance company has a proprietary formula to set their prices, so we’ll take a look at the auto insurance companies with the overall cheapest rates in Colorado.
It’s important that readers know that Denver auto insurance rates are impacted by many things which can substantially decrease or increase the price you pay for coverage. Getting older, having a teen driver, or getting a ticket for running a stop sign can produce rate changes that can make some companies cheaper than before.
Find the Cheapest Auto Insurance after a DUI
|Rank||Company||Cost Per Year|
|14||Colorado Farm Bureau||$1,576|
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The Hartford quotes some of the best car insurance rates in Denver at around $859 a year. This is $719 less than the average rate paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and GEICO also are some of the most economical Denver, CO car insurance companies.
As the example above demonstrates, if you buy coverage from USAA and switched to The Hartford, you might realize an annual savings of around $170. Insureds with Nationwide may save as much as $284 a year, and GEICO insureds might lower prices by $317 a year.
If you want to find out if you’re overpaying, click here to start your custom quote or quote rates from the companies below.
Bear in mind that those premium estimates are averages across all ages of drivers and types of vehicles and and are not figured with an exact zip code location for drivers with a DUI. So the company that fits you best may not even be in the top 21 companies shown above. That affirms the importance of why you need to get car insurance quotes using your own driver information and specific vehicle type.
The car, truck, or SUV to be insured is probably the most important factor when shopping around for the cheapest car insurance for drivers with a DUI. Vehicles with limited top-end speed, advanced safety features, or low incidents of liability claims will cost less to insure than adrenaline junky models. The information below presents auto insurance prices for the most cost-effective automobiles to buy insurance for.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Jeep Wrangler Sport 4WD 2-Dr||$1,847|
|Honda CR-V EX-L 2WD||$2,019|
|Toyota RAV4 Limited 4WD||$2,118|
|Chevrolet Equinox LS AWD||$2,124|
|Ford Explorer Limited 2WD||$2,159|
|Honda Odyssey EX-L W/Navigation||$2,235|
|Nissan Altima 2.5 S 4-Dr Sedan||$2,240|
|Toyota Camry XLE||$2,235|
|Ford Edge Limited AWD||$2,242|
|Ford Escape Limited 4WD||$2,261|
|Nissan Rogue SL 2WD||$2,271|
|Ford Fusion Sport 4-Dr Sedan||$2,276|
|Toyota Tacoma 2WD||$2,296|
|Ford Focus S 4-Dr Sedan||$2,304|
|Ford F-150 Lariat King Ranch 4WD||$2,316|
|Volkswagen Jetta 2.0T Station Wagon||$2,319|
|Jeep Grand Cherokee Laredo 4WD||$2,339|
|Honda Civic SI 4-Dr Sedan||$2,349|
|Dodge Grand Caravan Hero||$2,461|
|Dodge Ram 3500 Mega Cab Laramie 2WD||$2,471|
|Chevrolet Malibu LTZ||$2,512|
|Chevrolet Silverado 2500HD LT Crew Cab 4WD||$2,520|
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Data rating is based on single female driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in vehicle location which can increase or decrease coverage rates substantially.
Looking at the rates, models like the Jeep Wrangler, Toyota Prius, and Honda CR-V will be the cheapest vehicles to insure after getting a DUI. The cost of auto insurance will trend higher because of the fact that there is more exposure for drivers with a DUI, but overall those makes and models will tend to have the best rates compared to all other vehicles.
After getting a DUI, one of the big components that are looked at to help calculate the annual cost of car insurance is where your car is garaged. Areas with increased crime or more people are more likely to have higher rates, whereas areas with lower crime rates and fewer weather claims have the gratification of cheaper auto insurance rates.
The next table shows the most expensive cities in Colorado for drivers with a DUI to purchase a policy in. Denver is ranked at #3 with an annual cost of $1,383 for coverage, which is approximately $115 per month.
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Rates are estimated as vehicle location can modify prices substantially.
Responsible drivers pay cheaper Denver auto insurance rates
The obvious way to find the cheapest auto insurance prices in Denver after getting a DUI is to drive carefully and not receive tickets or have accidents. The diagram below illustrates how violations and fender-benders can increase annual premium costs for different insured age categories. The premiums are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.
In the prior example, the average cost of auto insurance in Colorado per year with no violations or accidents is $1,226. Get one speeding ticket and the average cost increases to $1,431, an increase of $205 each year. Now include two accidents along with the one speeding ticket and the annual cost of auto insurance for drivers with a DUI increases to an average of $3,295. That’s an increase of $2,069, or $172 per month, just for not driving safely!
How to get discounts on Denver auto insurance rates
Insurance companies that offer quotes for drivers with a DUI may also provide special discounts that can lower rates by 35% or more if you are eligible for them. The best auto insurance companies and a partial list of their discounts can be read below.
- State Farm may offer discounts for multiple autos, good driver, defensive driving training, driver’s education, passive restraint, Steer Clear safe driver discount, and anti-theft.
- Nationwide has discounts for defensive driving, easy pay, accident-free, Farm Bureau membership, family plan, good student, and multi-policy.
- GEICO discounts include military active duty, federal employee, anti-lock brakes, membership and employees, defensive driver, and good student.
- AAA policyholders can earn discounts including good driver, anti-theft, AAA membership discount, multi-car, and good student.
- 21st Century may have discounts that include anti-lock brakes, early bird, defensive driver, automatic seat belts, air bags, and homeowners.
- The Hartford offers discounts including air bag, bundle, anti-theft, good student, and defensive driver.
The information below visualizes the comparison of insurance costs with and without discounts. The data assumes a female driver, three citations and no at-fault accidents, Colorado state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with homeowner, multiple policy, vehicle safety, paperless filing, anti-theft, and continuous coverage discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on auto insurance for drivers with a DUI is 28% or $818.
The insurance agencies below are a good start to help you determine which policy fits your needs best, as lots of people like to have some advice when shopping for the best coverage for drivers with a DUI. It can be complicated to find the best policy on your own, so a professional agent can provide you peace of mind knowing you have suitable coverage if you ever need to use it.
To find a Denver insurance agent nearest to you, click the button at the bottom or click here to compare rates now.
- Allstate Insurance: Eddie W. Pacheco
6200 E Yale Ave – Denver, CO 80222 – (303) 788-0777
- State Farm: Charles Insurance Agency
1165 S Broadway #114 – Denver, CO 80210 – (303) 777-7161
- Bob Chapman – State Farm Insurance Agent
2335 E Evans Ave – Denver, CO 80210 – (303) 777-3005
- Lori Rickert State Farm®
714 S Pearl St – Denver, CO 80209 – (303) 757-7440
How to find more affordable insurance for drivers with a DUI
Lowering your rates is not difficult, and here are a few penny-pinching ideas that can help you get more affordable auto insurance.
- Frequent claims will increase rates
- Higher credit scores may earn you cheaper rates
- Buying home and auto insurance together can earn discounts
- Safe vehicles generally have lower rates
- Higher deductibles mean lower rates
- Full coverage is expensive so only insure older vehicles for liability only
- Compare price quotes at least once a year
That last tip is highly critical, as was discussed in this write-up. Coverage prices can be adjusted at any time, so drivers shouldn’t hesitate to change insurance companies if a lower-cost policy is available. Many consumers stick with the same company and that’s fine, but it’s not a good idea if it’s costing you hundreds of dollars year after year. Spend a few minutes and compare prices to find cheaper insurance for drivers with a DUI in Denver.