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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

How much does car insurance cost in Boulder?

The average cost of car insurance in Boulder, Colorado, is $815 every six months. That's less than the average in Colorado ($878) and more expensive than the national average of $880. 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, and other factors in Boulder. Read on to learn more!


Car insurance in Boulder vs. Colorado Average 6 Mo. Premium
Boulder average $815
Colorado average $878

The Zebra's key takeaways about car insurance in Boulder:

  • The average cost of a car insurance policy in Boulder is $852 per six-month policy — $142 per month.
  • The cheapest company in Boulder is GEICO ($482).
  • 34% of Zebra customers in Boulder stated they used our product because they were paying too much for car insurance with their current provider.

Are you paying too much for auto insurance?

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Boulder car insurance rates by company

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.

Cheapest car insurance companies in Boulder, CO
Company Avg. 6 Mo. Premium
GEICO $482
USAA $501
State Farm $687
Allstate $838
Progressive $1,064

The Zebra’s auto insurance data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Shop around for the best rates

The only way to know which company has the cheapest coverage is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Boulder.

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Boulder auto insurance rates by age

Our data tells us that drivers between the ages of 20-29 make up 56% of Boulder drivers. Boulder drivers in their 50s pay relatively affordable car insurance rates just $726 each six months, on average. Drivers in their 60s pay marginally higher rates — $736 on six-month rates.

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.

Boulder auto insurance costs by age
Age bracket Avg. 6 Mo. Premium
Teenagers $2,917
20s $1,032
30s $795
40s $771
50s $726
60s $736
70s $871

Boulder car insurance rates by credit score

It's no secret credit score is closely correlated with auto insurance rates. 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. Our data tells us 49% of drivers in Boulder have a credit score of excellent (720+). 

credit score
Boulder auto insurance costs by credit level
Credit Tier Avg. 6 Mo. Premium
Very Poor $1,571
Fair $991
Good $815
Very Good $741
Exceptional $670

Boulder car insurance rates by violation

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 and DWIs, 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.

Boulder auto insurance rates after a violation
Incident Avg. 6 Mo. Premium
DUI/DWI $1,096
Reckless Driving $1,111
At-fault Accident (damages less than $1,000) $1,020
At-fault Accident (damages greater than $2,000) $1,155
Speeding Ticket (16-20 mph over speed limit) $960

Compare over 100 insurance companies at once!

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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 editorial 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.