The average car insurance policy costs $135 per month in Boulder. Are you paying too much?
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The average cost of car insurance in Boulder, Colorado, is $1,631 each year. That's less than the average in Colorado ($1,757) and more expensive than the national average of $1,548. Our guide to car insurance in Boulder — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.
|Boulder Average (yearly)||Colorado Average||U.S. Average|
One of the most important determinants of your car insurance rates is the insurance company you work with. For a typical insurance customer, GEICO provides Boulder's cheapest rates. We've listed the best cheap car insurance companies in Boulder below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
Boulder drivers in their 50s pay relatively affordable car insurance rates just $1,453 each year, on average. Drivers in their 60s pay marginally higher rates — $1,473 per year.
Teenage drivers pay Boulder's most expensive insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in Boulder is to celebrate your 20th birthday. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Boulder is $3,770, the largest such difference between any two age groups.
|Age||Average Yearly Rate|
In some cases, a driver's gender and marital status may influence the car insurance rates they pay. Married drivers usually pay less for car insurance than their single counterparts. In Boulder, married motorists pay $111 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Boulder, single drivers pay more than those who are widowed.
Another component of auto insurance pricing is gender. In Boulder, female drivers pay more for auto insurance than do male drivers: $11 per year, to be precise.
|Marital Status/Gender||Average Yearly Rate|
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Two of the most costly citations to receive are DUI and reckless driving. Boulder drivers found guilty of reckless driving face insurance rate increases of $592 per year, compared to the citywide average. A DUI violation may lead to a $562 increase, while a citation for speeding leads to a $291 rate hike.
|Citation||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$2,041|
|At-fault Accident (damages greater than $2,000)||$2,310|
|Speeding Ticket (16-20 mph over speed limit)||$1,921|
It's no secret credit score is closely correlated with auto insurance rates. In fact, Boulder drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 57% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Boulder, improving your credit to "Fair" could help you earn a $1,160 decrease in annual car insurance rates.
|Credit Tier||Average Rate (annual)|
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.