Cheap Colorado Car Insurance

Compare the best rates from 9 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
2Grange$968
3USAA$1,019
4Nationwide$1,132
5GEICO$1,164
6Auto-Owners$1,180
7Travelers$1,195
8State Farm$1,234
9American Family$1,288
10Progressive$1,349
11Amica$1,367
12Allied$1,468
13Cal Casualty$1,473
14Farmers$1,597
15Colorado Farm Bureau$1,608
16MetLife$1,848
17Allstate$2,035
18Encompass$2,209
19Safeco$2,497
20Titan$2,684
21Unitrin$2,968
22Dairyland$3,100

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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
16$4,856$6,955
17$4,591$5,969
18$4,653$5,273
19$4,042$3,190

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%
DUI$2,13133.31%
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)
Allied3Superior
Allstate3Superior
American Family4Excellent
Amica4Superior
Auto-Owners5Superior
Colorado Farm BureauNot RatedGood
EncompassNot RatedSuperior
Farmers3Excellent
GEICO3Superior
MetLife3Superior
Nationwide4Superior
Progressive3Superior
State Farm3Superior
Travelers3Superior
USAA5Superior

 

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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
Colorado$646.83$1,272.51$1,434.10
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
1Pueblo$1,929
2Aurora$1,874
3Denver$1,852
4Colorado Springs$1,791
5Lakewood$1,779
6Security-Widefield$1,767
7Commerce City$1,725
8Northglenn$1,721
9Parker$1,671
10Centennial$1,655
11Arvada$1,645
12Brighton$1,636
13Littleton$1,633
14Highlands Ranch$1,617
15Castle Rock$1,610
16Greeley$1,588
17Boulder$1,568
18Broomfield$1,559
19Longmont$1,509
20Fort Collins$1,474
21Loveland$1,428
22Grand Junction$1,422
23Ken Caryl$1,300
24Thornton$1,294
25Westminster$1,259

Recent Colorado Car Insurance Questions and Answers

Is it possible to bundle three lines of insurance?

It is challenging to say which insurer would be the best for bundling multiple lines of insurance. Most companies would likely give you multiple policies to cover your vehicles, RV, and homes.

What are my options if I need SR-22 insurance in Colorado but don't own a car?

I wish there was an easy answer, but I would suggest discussing it with an agent. It is true if you have access to a vehicle most companies will be hesitant to give a non-owner plan.

Can I wait to file an auto insurance claim if it takes me a year to save up for the deductible?

Thanks for your question. In most cases, you can file a claim for up to two years after the loss.

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

You do not have to have insurance if you do not own or are driving a car. However, having a lapse in insurance will cause your rates to be higher once you do start a new policy.


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
DUI$2,43345%$752
Racing$2,60355%$922
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
Speeding$2,00719%$325
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.

Prompt

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 destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

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 scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

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

Deadline

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

Notification

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.