After getting a DUI, insurance becomes very complicated. Often times, you are required to get an SR-22 certificate, your premiums may increase, and sometimes you'll have no choice but to switch insurance providers. Have no fear though, this post will tell you (almost) everything you need to know about your insurance policy after getting a DUI.
SR-22 Certificate Of Financial Responsibility:
After a DUI, it is typically required that you get SR-22 insurance plans in order to reinstate your license. An SR-22 Certificate of Financial Responsibility isn’t necessarily a new insurance plan, but instead is a certificate which shows the state that you meet the minimum liability limits for auto insurance (i.e. that you have active insurance at all times while operating your vehicle). Each month, your insurance company must send the DMV a form that provides proof of insurance. This means that each month, you’ll incur a filing fee of around $30. Some insurance companies don’t offer SR-22’s, so you may have to shop around for a new “high risk” plan.
So The Real Question Is, What Does This All Cost?
It is extremely rare for insurance premiums to not increase after a DWAI/DUI conviction. Though the SR-22 Certificate ‘only’ adds around $20-$30 more to your insurance plan per month, it is typically the rise in premiums that will bear most of the financial weight. Though how much they increase depends greatly on each individual's driving record, you should expect an increase in premiums of anywhere from 20-70%. Considering the average driver in the U.S. pays $1,450 a year for car insurance, these increases translate to roughly $290-$870 for a first offense DUI. Other experts have been cited saying that premiums can go up as much as $1,500 depending on circumstances.
Convictions of traffic violations will earn you points on your driving record. The points assigned to you depend on your violation. For instance:
An excess of points during a specific amount of time, depending on your age, will lead to a suspension of your driver’s license:
21 years old and older:
18 – 20 years old:
Under 18 years old:
Driving Without A Valid License:
It is extremely important to not only fulfill all of the license suspension requirements, but to also complete the reinstatement process. If you fail to do so, you may be charged with “Driving Under Suspension,” which will result in an automatic additional yearlong license suspension. Additionally, if you were suspended for an alcohol-related offense, you will be slapped with a minimum of 30 days in jail.
Though some first offenders may be eligible for early reinstatement on the condition of installation of an interlock system (i.e. “smart-start” breathalyzer), a DUI or refusal to test will result in a revocation of your driver’s license, requiring you to apply and test for a new one once eligible. In Colorado, it’s required that you participate in a state-approved alcohol course before the reinstatement of your license. The reinstatement process may differ depending on the reason for your license suspension, so to find out what steps you need to take to reinstate your license, you can request reinstatement requirements:
Once you have fulfilled your requirements you can complete and submit an Application for Reinstatement (DR 2870) form by mail to:
Colorado Department of Revenue
Driver Control Reinstatement
P.O. Box 173345
Denver, CO 80217-3345
Be sure to include:
Some full service license offices will process your reinstatement in person for certain suspensions including:
The CO DMV website notes the offices that will not process reinstatements.
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Updated: June 13th, 2016