Ignition Interlock Insurance: What It Covers
Ignition interlock insurance is liability coverage carried on a vehicle equipped with a court-ordered ignition interlock device (IID), required after DUI convictions in Indiana, Montana, Wyoming, Colorado, Delaware, and New Jersey.
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What Is Ignition Interlock Insurance Insurance?
Ignition interlock insurance covers liability for injuries and property damage you cause while operating a vehicle equipped with a court-ordered IID. The coverage itself is identical to standard liability insurance. The difference is pricing: carriers classify IID-required drivers as high-risk, which triggers higher premiums and often forces placement with non-standard or assigned-risk insurers. In Indiana, Montana, Wyoming, Colorado, and Delaware, the policy must meet state minimum liability limits and include SR-22 certification filed with the DMV.
- Your Colorado Early Reinstatement policy is active when your IID malfunctions and you drive the vehicle to the service center for recalibration without prior approval. If you cause an accident during that trip, your liability coverage remains in effect. Carriers do not deny claims based on temporary IID noncompliance. The state may impose administrative penalties separately, but the insurance contract covers liability regardless of device status at the time of the accident.
Who Needs Ignition Interlock Insurance Insurance?
Ignition interlock insurance is legally required for all drivers holding a Probationary License in Indiana, Montana, or Wyoming, an Early Reinstatement in Colorado, or a Conditional License in Delaware or New Jersey after a DUI conviction. You cannot drive legally during the IID period without an active liability policy meeting state minimums. Carriers verify IID installation with your device vendor before issuing or renewing coverage.
If you need to drive for work, school, or medical appointments during your suspension, the probationary license route with IID and ignition interlock insurance is the only legal option.
How Much Does Ignition Interlock Insurance Insurance Cost?
- Time since DUI conviction — premiums decline after 12 months of clean IID monitoring records in most states.
