A DUI/DWI conviction, driver’s license suspension or revocation, or related accident or traffic violation may significantly increase a driver’s insurance rate (by an average of 80%)—and two or more DUI/DWI convictions may make it difficult for a driver to acquire the insurance necessary to operate a vehicle.
In Colorado, a DUI (Driving Under the Influence) or DWI (Driving While Impaired) conviction can have a substantial impact on a driver's car insurance rates. After such a conviction, insurance providers often view the driver as high-risk, which typically results in increased insurance premiums. On average, insurance rates can go up by approximately 80%, but the exact increase can vary based on the insurance company and the specifics of the driver's record. Additionally, multiple DUI/DWI convictions can further complicate a driver's ability to obtain insurance, as insurers may be reluctant to provide coverage to individuals with a history of repeated offenses. In some cases, drivers may be required to file an SR-22 form, which is a certificate of financial responsibility, to prove that they have the minimum amount of liability coverage required by Colorado law. This requirement can also lead to higher insurance costs and may be necessary for license reinstatement after suspension or revocation due to a DUI/DWI-related incident.