Wouldn't it be nice if we could look into our crystal ball and tell you the one auto insurance company that has the lowest car insurance rates for drivers with a DUI? It's not that simple, unfortunately, as there are a whole slew of unknown aspects like if you are a homeowner, your credit rating, if you have a tendency to get into accidents, and the neighborhood you live in, that all impact the cost of coverage. We will touch on the different ways to avoid overpaying and will give you some help in finding cheaper rates.
After getting a DUI, one of the more important things that are used to help calculate the cost of insurance is the neighborhood you call home in Colorado Springs. Cities with more crime and/or more people will most likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of cheap car insurance rates.
The illustration below lists the highest-priced areas in Colorado for drivers with a DUI in which to purchase auto insurance. Colorado Springs shows up at #12 with a yearly cost of $1,277 for the average insured, which is approximately $106 each month.
|Rank||City||Premium Per Year|
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Table data uses approximated as specific Colorado Springs zip code can influence premium rates substantially.
The vehicle model you are insuring is one of the biggest factors when comparing quotes for the best cheap coverage for drivers with a DUI. Vehicles with average performance, good safety features, or low incidents of liability claims will cost substantially less to insure than fast, unsafe models.
The next table shows car insurance rates for a selection of the most cost-effective automobiles to insure in Colorado.
|Vehicle||Estimated Cost for Full Coverage|
|Hyundai Elantra SE Touring Station Wagon||$1,705|
|Ford Edge SE 2WD||$1,722|
|Honda Odyssey LX||$1,732|
|Ford F-150 XL Regular Cab 4WD||$1,757|
|Honda CR-V LX 4WD||$1,819|
|Chevrolet Equinox LS AWD||$1,857|
|Ford Escape Limited 4WD||$1,881|
|Ford Explorer Eddie Bauer 4WD||$1,893|
|Dodge Grand Caravan Crew||$1,902|
|Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$1,910|
|Toyota Tacoma 4WD||$1,940|
|Toyota Corolla XLE||$1,959|
|Chevrolet Impala LTZ||$1,965|
|Chevrolet Silverado LT Crew Cab 4WD||$1,995|
|Jeep Grand Cherokee Limited 4WD||$2,002|
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Data assumes single female driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, and multi-vehicle. Premium costs do not factor in vehicle location which can decrease or increase insurance rates significantly.
Looking at the rates, we can expect vehicles like the Hyundai Elantra, Ford Edge, Honda Odyssey, Ford F-150, and Honda CR-V should be a few of the more affordable vehicles to insure after getting a DUI. Rates will tend to be more expensive because there is a higher risk for drivers with a DUI, but overall those models will most likely have the cheapest auto insurance rates compared to other vehicles.
Deciphering which company offers the cheapest insurance rates for drivers with a DUI will involve a bit more work than just quoting one company's rates. Every auto insurer uses their own formula to determine premium rates, so we'll take a look at the insurance companies with the most affordable rates in Colorado Springs, CO.
It's a good idea to know that Colorado Springs, CO insurance rates are based on many factors which can substantially change your annual premium. Improving your credit rating, moving across town, or getting a ticket for careless driving may cause policy rate changes that can cause some rates to be cheaper than competitors.
Best Auto Insurance Prices after a DUI
|Rank||Company||Cost Per Year|
|15||Colorado Farm Bureau||$1,640|
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The Hartford may have some of the cheapest car insurance rates in Colorado Springs at around $825 per year. This is $753 less than the average rate paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and GEICO would also make the list of some of the most economical Colorado Springs, CO car insurance companies.
In the rate table above, if you are a policyholder with Nationwide and switched to Grange, you might see yearly savings of roughly $151. Policyholders with GEICO could save as much as $218 a year, and Auto-Owners customers might reduce prices by as much as $246 a year.
If you want to see how much you could save, click here to get quotes or visit several of the following companies.
Be aware that those premium estimates are averaged for all drivers and vehicles in Colorado and do not factor in an exact vehicle garaging location for drivers with a DUI. So the car insurance company that can offer the best rates for your situation may not even be in the top 21 companies in the list above. That points out the importance of why you need to compare rates from multiple companies using your own specific driver and vehicle information.
Get discount Colorado Springs insurance rates
Insurance providers that offer coverage for drivers with a DUI may have rate discounts that may potentially lower prices by 25% or more if you are eligible to receive them. A few of the larger companies and a selection of discounts can be read below.
- AAA offers premium reductions for education and occupation, pay-in-full, anti-theft, multi-policy, and good driver.
- Progressive offers discounts including online signing, multi-policy, continuous coverage, good student, multi-vehicle, and homeowner.
- State Farm discounts include defensive driving training, multiple autos, anti-theft, good driver, good student, and safe vehicle.
- Esurance includes discounts for multi-policy, anti-lock brakes, good driver, paid-in-full, Switch & Save, and renters.
- Nationwide has savings for Farm Bureau membership, business or organization, accident-free, easy pay, multi-policy, and defensive driving.
The information below shows the comparison of insurance costs with and without discounts being applied to the rates. The data is based on a male driver, two violations and no accidents, Colorado state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with marriage, passive restraint, multiple policy, anti-theft, vehicle safety, and homeowner discounts applied. When drivers qualify for the discounts, the average savings per year on insurance for drivers with a DUI is 28% or $736.
What is the best insurance company in Colorado?
Finding the top car insurance provider can be challenging considering how many companies there are in Colorado Springs. The company rank data below may help you analyze which auto insurers to look at putting your business with.
The ratings below only include the companies with a significant amount of written premium nationwide, so companies without a large exposure are not factored into these rankings. If you'd like to compare prices from these and other competitive companies, simply click here.
Top 10 Major Auto Insurance Companies in Colorado Springs Ranked by Claims Service
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
- The General
Top 10 Major Auto Insurance Companies in Colorado Springs Ranked by A.M. Best Rating
- USAA - A++
- Travelers - A++
- State Farm - A++
- GEICO - A++
- Esurance - A+
- Nationwide - A+
- Allstate - A+
- Progressive - A+
- Titan Insurance - A+
- The Hartford - A+
The diagram below illustrates how choosing a deductible can increase or decrease insurance premiums when trying to find cheap insurance for drivers with a DUI. The premium estimates are based on a single male driver, full physical damage coverage, and no additional discounts are factored in.
In the chart above, a 30-year-old driver could lower rates by $326 a year by increasing from a $100 deductible up to a $500 deductible, or save $490 by changing to a $1,000 deductible. Youthful drivers, such as the Age 20 example, can cut up to $948 or even more by using higher deductibles when buying full coverage.
When using a larger deductible, it will now be necessary to have enough funds in savings to satisfy the extra out-of-pocket expense that is associated with using high deductibles.
You may be paying too much for car insurance
Colorado Springs, CO insurance rates are calculated based on many things that will increase or decrease the cost of having a policy. Improving your credit score, moving across town, or getting a DUI can produce rate changes that may make certain companies cheaper than competitors.
Additionally, insurance companies amend premium rates multiple times each year in order to be able to pay unexpected claims. Significantly higher claims may result in more expensive prices, while profitable underwriting may cause lower-cost Colorado Springs car insurance rates.
For instance, the bar chart below shows the company with the cheapest car insurance in Colorado Springs, CO for a 45-year-old male driver with no accidents, a clean driving record, and a high credit rating. When quoting prices based on his current situation, The Hartford might quote the most affordable car insurance rates in Colorado Springs at $991 per year. This is $587 less than the average policy premium paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and GEICO are also included in the cheapest Colorado Springs, CO auto insurance companies.
In the next rate comparison, we'll give the driver from the first rate comparison a chargeable claim, bad credit, and a few traffic violations. Since each auto insurer uses their own calculation for setting prices, comparing prices will most likely result in a substantially altered list of affordable Colorado Springs car insurance companies as shown below.
Travelers now has the lowest price on auto insurance in Colorado Springs, CO with State Farm, American Family, Grange, and Progressive completing the list. This illustrates why it is critical to do a thorough rate comparison to get the most economical car insurance quotes for drivers with a DUI. Insurance prices consist of many risk factors and change frequently, so the cheapest option the last time you shopped around may now not even be in the top five.
If you like to get some guidance when trying to find the best insurance rates after getting a DUI, the agencies below can probably provide answers to your questions and help you determine which policy fits your needs best. To locate a Colorado Springs auto insurance agent using an interactive map, click the button at the bottom of the list or click here to get price quotes now.
WIN Insurance Agency
3485 Academy Blvd N Ste 101 - Colorado Springs, CO 80917 - (719) 599-9494
American Family Insurance - Steve Stiltner
4549 Austin Bluffs Pkwy - Colorado Springs, CO 80918 - (719) 596-8812
Benson Insurance Group, LLC
5155 N Academy, #110 - Colorado Springs, CO 80918 - (719) 622-3079
Dave Beadles - State Farm Insurance Agent
308 W Fillmore St #106 - Colorado Springs, CO 80907 - (719) 632-5433
Roberto Martinez - State Farm Insurance Agent
1216 Academy Blvd N - Colorado Springs, CO 80909 - (719) 574-0210