The Impact of a Drunk Driving Conviction on Your Auto Insurance, Part 1: High Rates and High Risk

No one ever expects they will be arrested for a DUI in Colorado. They also probably aren’t aware of the consequences the DUI may have on their car insurance if they are convicted. In this two part blog series, we will address how your auto insurance can be affected by a DUI.

Getting convicted of drunk driving in Colorado almost always results in money out of your pocket. You may be required to pay fines, court fees, rehabilitation fees, the costs of car repairs or rehabilitation, and more. You can also expect to pay more for your car insurance.

Colorado drivers are required to carry auto insurance that meets minimum limits of coverage. The rates you pay for this insurance depend on a number of factors, but your safe driving record is heavily weighted in most insurance companies’ decisions about what to charge you for insurance. A Colorado drunk driving conviction may influence your insurer to raise your premiums or to drop your coverage altogether.

If you can’t afford your regular insurance or your insurer refuses to cover you, you may be able to get insurance from either an insurance company that specializes in high-risk drivers or from the state’s high-risk insurance pool. High-risk insurers offer nonstandard insurance for high-risk drivers, which usually comes at a high price. Those who buy state-created high-risk insurance usually do it as a last resort, because this type of insurance is usually far more expensive than what’s available in the private market.

Refer back to our blog later this week for part II to learn more about how a DUI can alter your auto insurance. At The Bussey Law Firm, P.C., our Colorado Springs drunk driving defense lawyers know how important it is for you to understand the laws surrounding DUIs in Colorado. If you have been arrested for a DUI, call us today at 719-475-2555 to learn more about your legal rights and how we can help.

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