Cheap Colorado Car Insurance

Find affordable auto insurance that works for you in Colorado. Compare quotes from over 100 top companies.

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Here's what you need to know when driving in Colorado

The average car insurance rate in Colorado is $1,757 per year — 14% more than the national average. Below we assessed Colorado auto insurance premiums by all of the significant rating factors so you could easily compare rates. Read on to see how much car insurance runs in your state — or enter your ZIP code above to receive free personalized quotes from leading insurers so you can ensure you have the best rate.


 

Affordable insurance companies in Colorado

What's the cheapest car insurance in Colorado?
Rank Company Name Avg. Annual Premium
1 The Hartford $842
2 Auto-Owners $1,180
3 Travelers $1,195
4 USAA $1,406
5 Cal Casualty $1,473
6 Allied $1,494
7 State Farm $1,531
8 Nationwide $1,671
9 Colorado Farm Bureau $2,475
10 Progressive $2,952

Compare quotes from over 30 insurance companies in Colorado by entering your ZIP code below.

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Cheap auto insurance for good drivers in Colorado

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Colorado drivers without a recent at-fault accident save almost 40% on their car insurance, on average, while Colorado drivers without a recent ticket save 17%. These figures are less than the national averages of a 50% savings without an at-fault accident and 25% savings without a speeding ticket. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

 

COLORADO CAR INSURANCE AVERAGE SAVINGS FOR GOOD DRIVERS
Rating Factor $ Savings % Savings
No Traffic Tickets $311 17.7%
No Accidents $701 39.9%
Good Credit $1,018 46%

 

Cheap auto insurance for young drivers in Colorado

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Colorado, the typical teen driver pays $5,713 annually — approximately 14% more than the national average for teens, and more than three times more than the average Colorado driver.

 

COLORADO CAR INSURANCE RATES BY AGE GROUP
Age Annual Average Premium
16 $7,416
17 $6,391
18 $5,603
19 $3,441
20s $2,130

 

 

Cheap auto insurance for bad drivers in Colorado

If you have a clean driving record in Colorado — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket. Similarly, a driver who carries excellent credit can save a significant sum since data trends suggest drivers who maintain solid credit scores are less likely to file claims covered by insurance companies.

Rating Factor Annual Rate % Increase
At-Fault Accident $2,404 41.58%
DUI $2,359 38.93%
Speeding Violation $2,063 21.50%
Bad Credit $3,227 79.90%

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Top rated car insurance companies in Colorado

Every car insurance company brags about its affordable costs. But just like with any product, the cheapest car insurance isn't always the finest choice. Considering the financial stakes, it's worth doing the due diligence to find the policy that protects your car completely in the event of a collision. Find the best value, instead of settling for the cheapest auto insurance available.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers.

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

Allied N/A N/A Excellent N/A
Amica Excellent Excellent Superior N/A
Auto-Owners N/A Above average Superior N/A
GEICO Average Average Superior 4.4 / 5
MetLife N/A Below Average Excellent N/A
Nationwide Average Poor Superior 4.3 / 5
Progressive Below average Below average Excellent 4.3 / 5
State Farm Above average Above average Superior 4.5 / 5
Travelers Average Below average Superior 4.3 / 5
USAA Excellent Excellent Superior 4.6 / 5

 

Colorado auto insurance laws

In Colorado, the state minimum requirement is liability coverage, with limits of:

  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $15,000 per accident

Optional coverage in Colorado (varies by carrier):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical and Funeral Services
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage

For the minimum required coverage in Colorado, be prepared to pay about $673 annually. This is more than the nationwide average by 8%. If you opt for better car insurance coverage, you can select a policy with comprehensive and collision coverage, insuring against the costs of auto collisions, theft, or weather incidents. It's worth noting that better coverage comes at a cost: in Colorado, a comprehensive policy with a $1,000 deductible costs $1,547, 130% more than basic insurance coverage. For comprehensive coverage with a $500 deductible, expect to pay 161% more than you might pay for a basic liability-only policy.

Find out more about Colorado's auto insurance regulations.

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How tickets change insurance rates in Colorado

If you receive a ticket, your auto insurance costs will probably go up. By how much depends on the violation, your insurer's pricing standards, and differing local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at typical auto insurance rates in Colorado after a few common violations.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $2,567 46% $810
Refused Breathalyzer/Chemical Test $2,358 34% $601
DUI $2,358 34% $601
Racing $2,536 44% $779
Reckless Driving $2,383 36% $626
Driving with a Suspended License $2,434 39% $677
At-Fault Accident $2,458 40% $701
Driving with an Open Container $2,204 25% $447
Operating a Vehicle Without Permission $2,166 23% $409
Passing a School Bus $2,216 26% $459
Improper Passing $2,139 22% $382
Following Too Closely $2,135 22% $378
Speeding $2,068 18% $311
Failure to Stop at a Red Light $2,136 22% $379
Illegal Turn $2,136 22% $379
Driving Wrong Way/Wrong Lane $2,116 20% $359
Failure to Yield $2,136 22% $379
Speeding in a School Zone $2,099 19% $342
Driving Too Slowly $2,097 19% $340
Distracted Driving $2,101 20% $344
Driving with Expired Registration $1,841 5% $84
Failure to Show Documents $1,841 5% $84
Not-at-Fault Accident $1,804 3% $47
Failure to Use Child Safety Restraint $1,779 1% $22
Failure to Wear a Seat Belt $1,759 0% $2
Driving Without Lights $1,779 1% $22

 

Colorado Car Insurance FAQs

Who has the cheapest car insurance in Colorado?

The cheapest company will vary based on you and your driving history. Our data shows The Hartford ($421), Auto-Owners ($590) and Travelers ($597) are the most affordable options in Colorado.

What is the average cost of car insurance in Colorado?

The average cost of car insurance in CO is $878 for a six-month policy. This will set you back $146/month.

Why is Colorado car insurance so expensive?

Colorado is 6% cheaper than the national average for car insurance. If you feel you're paying too much for insurance, use our free insurance comparison tool to see competitive rates from GEICO, Progressive, State Farm, and Esurance.

How much does car insurance cost in Colorado cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Fort Collins, Colorado, and the most expensive in Pueblo, Colorado.

Rank City Avg. Annual Premium
1 Pueblo $2,183
2 Aurora $2,009
3 Lakewood $2,008
4 Denver $1,949
5 Colorado Springs $1,903
6 Centennial $1,759
7 Arvada $1,742
8 Greeley $1,634
9 Boulder $1,631
10 Longmont $1,587
11 Fort Collins $1,536

 

RECENT QUESTIONS

Can a foreigner get a short term car insurance when renting a vehicle from a private person?

Getting car insurance can be quite complicated for foreign drivers, especially with short-term car rentals. Since you are renting the car from your host I assume that you will be living at their address.
Aug 14, 2019 Denver, CO

If the repair costs more than the car without an accident, will it still get totaled?

Your insurance company will never get involved in helping you repair your vehicle if there was no accident or other loss that caused the damage. Since there was no accident, you are on the hook for paying for your vehicle's repairs.
Jan 26, 2020 Wiggins, CO

If my vehicles are all insured, can I get uninsured motorist coverage on just one car?

Uninsured and underinsured bodily injury coverage is a policy-wide coverage. If you add it to one vehicle, it will be on all of them.
Jan 30, 2020 Greeley, CO

How do I decide if I my mother is fit to drive?

This is a common problem with many drivers of advancing age. It's really impossible for anyone other than your mother's doctors to determine her ability to get behind the wheel.
Jul 7, 2019 Parker, CO

Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.