Boulder, CO Car Insurance

The average car insurance policy costs $135 per month in Boulder. Are you paying too much?

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What's the average car insurance rate in Boulder?

 

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.

 
AUTO INSURANCE: BOULDER RATES VS. STATE + NATIONAL AVERAGES
Boulder Average (yearly)Colorado AverageU.S. Average
$1,631$1,757$1,548
 
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Boulder auto insurance premiums 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.

 
BOULDER CAR INSURANCE PREMIUMS BY COMPANY
InsurerAverage Rate (annual)
GEICO$965
USAA$1,003
State Farm$1,374
Allstate$1,676
Progressive$2,129
 

Consult our expert guide to finding the best cheap car insurance.

 

Car insurance rates by age bracket in Boulder

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.

 
BOULDER CAR INSURANCE RATES BY DRIVER AGE
AgeAverage Yearly Rate
Teenagers$5,835
20s$2,065
30s$1,590
40s$1,542
50s$1,453
60s$1,473
70s$1,742
 

Learn more about the impact of age on auto insurance rates.

 

Boulder auto insurance costs by marital status and gender

 

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.

 
BOULDER CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Yearly Rate
Female$1,642
Male$1,631
Single$1,520
Married$1,520
Divorced$1,631
Widowed$1,564
 

Learn more about how gender and marital status have on car insurance rates.

 

Boulder car insurance costs by accident and citation history

 

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.

 
BOULDER CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
CitationAverage Annual Rate
DUI/DWI$2,193
Reckless Driving$2,223
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

 

Boulder auto insurance costs by credit level

 

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.

 
BOULDER CAR INSURANCE PREMIUMS BY CREDIT TIER
Credit TierAverage Rate (annual)
Very Poor$3,143
Fair$1,983
Good$1,631
Very Good$1,482
Exceptional$1,341

Compare rates today.

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Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

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.