Cheap Colorado Car Insurance

Compare the best rates from 11 car insurance companies in Colorado.

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

Across the Centennial State, there are 183,498 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.



Cheap Car Insurance

What's the cheapest car insurance in Colorado?
RankCompany NameAvg. Annual Premium
1The Hartford$842
8State Farm$1,234
9American Family$1,288
13Cal Casualty$1,473
15Colorado Farm Bureau$1,608

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Cheap 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 30% on their car insurance, on average, while Colorado drivers without a recent ticket save 17%. Both of these figures are near US-average. 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%.

Rating Factor$ Savings% Savings
No Traffic Tickets$29617.25%
No Accidents$63430.84%
Good Credit$1,37749.21%

Cheap 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 $4,941 annually — approximately equal to the national average for teens, but about three times more than the average Coloradoan driver.

AgeAnnual Rate with ParentsAnnual Rate Alone

Cheap Car Insurance for Bad Drivers in Colorado

Drivers with clean driving records — meaning no at-fault accidents, speeding tickets, DUIs, or other citations — typically pay less for car insurance. In Colorado, your car insurance premiums will increase by 33% after a DUI, 30% after an at-fault accident, and 17% after a speeding ticket. These hikes roughly align with national averages. If you have a sparkling clean driving history, be sure to take advantage of your insurer's safe driver discount.

Rating FactorAnnual Rate% Increase
At-Fault Accident$2,05430.84%
Speeding Violation$1,71717.25%
Bad Credit$2,79749.21%

What are the Best 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.

Compare top insurers' financial strength and claims satisfaction ratings to better understand the level of service they will provide. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and running from "Superior" to "Poor" — evaluates an insurer's financial strength and ability to fulfill its contractual and policy obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
American Family4Excellent
Colorado Farm BureauNot RatedGood
EncompassNot RatedSuperior
State Farm3Superior


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What is the Best Car Insurance Coverage in Colorado?

The minimum allowed car insurance level in Colorado is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $15,000 Property Damage per accident.

For the minimum required coverage in Colorado, be prepared to pay a mean of $647 annually. This is cheaper than the nationwide average by 2%. 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 $1,273, 97% more than basic insurance coverage. For comprehensive coverage with a $500 deductible, expect to pay 122% more than you might for a basic liability-only policy.

Compare average prices for basic, better, and best insurance levels in the following table.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
National Average$657.66$1,241.26$1,397.94

Car Insurance Laws

State minimum insurance requirements in Colorado

In Colorado, the state minimum coverage requirement is liability 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

Liability coverage is legally required in Colorado and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Colorado, the minimum is listed as 25/50/15 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $15,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

These numbers reflect the minimum limits required in Colorado but higher coverage amounts are available with most companies.

Colorado Auto Insurance FAQs

Is Colorado a no-fault state for car insurance?

No. Colorado is a tort state, meaning you are required to cover any bodily injury or property damage you cause.

Do you need insurance to register a car in Colorado?

Yes. In order to register a vehicle with Colorado's DMV, you're required to present proof of insurance for the vehicle you are registering.

How do you sign over a Colorado car title to insurance?

If you're selling a vehicle, you will need the title information, the emissions inspection certificate — if required in your county — and the bill of sale. The exact documents and details are available on Colorado's DMV website.

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 Westminster, Colorado, and the most expensive in Pueblo, Colorado.

RankCityAvg. Annual Premium
4Colorado Springs$1,791
7Commerce City$1,725
14Highlands Ranch$1,617
15Castle Rock$1,610
20Fort Collins$1,474
22Grand Junction$1,422
23Ken Caryl$1,300

Recent Colorado Car Insurance Questions and Answers

Do I have to keep car insurance if I don’t have a vehicle or title?

I no longer own a car, and I do not know when I will obtain another. Do I have to ...

AUG 16, 2019
Can a foreigner get a short term car insurance when renting a vehicle from a private person?

I am a German student who will soon be visiting Denver on vacation. My host (private person, not a company) ...

AUG 15, 2019
How do I decide if I my mother is fit to drive?

My mother is suffering bouts of dizziness and has been hospitalized twice for brief periods. She insists she is still ...

JUL 08, 2019
Do insurance companies run a soft or hard credit check?

To get quotes, is there a hard or soft credit check? My current coverage is too expensive. No claims in ...

JUN 27, 2019

Driving Laws

Colorado Texting and Driving Laws

  1. Ban on all cell phones for novice drivers <18 years old
  2. Ban on text messaging for all drivers

Colorado DUI Laws

DWAI offenses are commonly considered misdemeanors in Colorado.

First-time offenses result in:

  • Two to 180 days in jail
  • Fines between $200 and $500
  • Up to 96 hours of community service
  • Possible required interlock ignition device usage
  • Possible requirement to attend alcohol courses
  • Eight points toward license suspension

Speeding Laws in Colorado

Except when otherwise posted, you are speeding in Colorado if your speeds exceed:

  • 20 miles per hour on narrow, winding highways or blind curves
  • 25 miles per hour in business districts
  • 30 miles per hour in residential districts
  • 40 miles per hour on open mountain highways
  • 55 miles per hour on open highways that are not a part of the interstate system and are not four-lane expressways or freeways
  • 65 miles per hour on surfaced four-lane highways that are part of the interstate system or expressways

In other cases, the maximum speed limit in Colorado is 75 miles per hour.


Colorado Reckless Driving Laws

If you drive with a “wanton or willful disregard for the safety of persons or property,” you are guilty of reckless driving in Colorado. In other words, intentionally ignoring the rules of the road or driving in an unsafe manner may result in you being charged with reckless driving.


Colorado Distracted Driving Rules

Distracted driving in Colorado is considered a primary offense. Law enforcement officers are permitted to pull over and cite drivers even if their only offense is driving while distracted.

Distracted driving constitutes anything that prevents a driver from paying full attention to the road. Pets, eating, and grooming can all lead to a driver becoming distracted. Of course, use of a wireless device while driving can also be dangerous.


What Constitutes Racing in Colorado?

Racing in Colorado is also referred to as engaging in a “speed contest.” A speed contest takes place when one or more vehicles:

  • Participate in a race or time trial
  • Rapidly accelerate
  • Exceed “reasonable and prudent speeds”
  • Perform one or more lane changes in an attempt to gain an advantage on another competitor


At-Fault Accidents in CO

Colorado became a fault-based state in 2003. After an accident, fault may be assigned to one or more drivers. Additionally, as a comparative negligence state, drivers may share some degree of fault for an accident.

How Do Tickets Affect Car 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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,65758%$975
Refused Breathalyzer/Chemical Test$2,43345%$752
Reckless Driving$2,43645%$755
Driving with a Suspended License$2,48448%$802
At-Fault Accident$2,30837%$626
Driving with an Open Container$2,12426%$442
Operating a Vehicle Without Permission$2,09425%$412
Passing a School Bus$2,18030%$498
Improper Passing$2,08224%$400
Following Too Closely$2,06423%$382
Failure to Stop at a Red Light$2,06623%$384
Illegal Turn$2,06623%$384
Driving Wrong Way/Wrong Lane$2,06022%$378
Failure to Yield$2,06623%$384
Speeding in a School Zone$2,03021%$348
Driving Too Slowly$2,02821%$347
Distracted Driving$1,98518%$304
Driving with Expired Registration$1,8057%$123
Failure to Show Documents$1,8057%$123
Not-at-Fault Accident$1,7243%$42
Failure to Use Child Safety Restraint$1,7464%$64
Failure to Wear a Seat Belt$1,7263%$44
Driving Without Lights$1,7021%$20

Colorado Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Colorado area, while also getting an insider view of the Centennial State.


So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destrination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.


Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to

4. Please include...

your name, address, and phone number when you submit


Selected winner(s) will be awarded a check for $1,000


Applications must be received by 11:59 p.m. CST on December 31st, 2019


Winner(s) will be selected and notified by email by January 31st, 2020

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.

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