Cheap Car Insurance
It's expensive to get car insurance in Colorado!
Dang! Colorado is definitely not one of the cheapest states for car insurance. Don't worry, we got your back!
At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since Colorado might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.
What's the cheapest car insurance in Colorado?
| Rank | Company Name | Avg. Annual Premium |
|---|---|---|
| 1 | The Hartford | $842 |
| 2 | Grange | $968 |
| 3 | USAA | $1,019 |
| 4 | Nationwide | $1,132 |
| 5 | GEICO | $1,164 |
| 6 | Auto-Owners | $1,180 |
| 7 | Travelers | $1,195 |
| 8 | State Farm | $1,234 |
| 9 | American Family | $1,288 |
| 10 | Progressive | $1,349 |
| 11 | Amica | $1,367 |
| 12 | Allied | $1,468 |
| 13 | Cal Casualty | $1,473 |
| 14 | Farmers | $1,597 |
| 15 | Colorado Farm Bureau | $1,608 |
| 16 | MetLife | $1,848 |
| 17 | Allstate | $2,035 |
| 18 | Encompass | $2,209 |
| 19 | Safeco | $2,497 |
| 20 | Titan | $2,684 |
| 21 | Unitrin | $2,968 |
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 | $296 | 17.25% |
| No Accidents | $634 | 30.84% |
| Good Credit | $1,377 | 49.21% |
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.
| Age | Annual Rate with Parents | Annual 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 Factor | Annual Rate | % Increase |
|---|---|---|
| At-Fault Accident | $2,054 | 30.84% |
| DUI | $2,131 | 33.31% |
| Speeding Violation | $1,717 | 17.25% |
| Bad Credit | $2,797 | 49.21% |
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.
Cheap Colorado Car Insurance Companies
The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in Colorado.
Car Insurance FAQs
Are digital insurance cards accepted in Colorado?
What does this mean for you?
If you happen to find yourself pulled over by a police officer in Colorado you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.
Do I need uninsured motorist coverage in Colorado?
Uninsured Drivers in Colorado
16%
12%
Did you know?
Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.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 Fort Collins, Colorado, and the most expensive in Pueblo, Colorado.
| Rank | City | Avg. Annual Premium |
|---|---|---|
| 1 | Pueblo | $1,426 |
| 2 | Denver | $1,411 |
| 3 | Aurora | $1,389 |
| 4 | Lakewood | $1,351 |
| 5 | Commerce City | $1,341 |
| 6 | Security-Widefield | $1,317 |
| 7 | Northglenn | $1,316 |
| 8 | Colorado Springs | $1,303 |
| 9 | Ken Caryl | $1,300 |
| 10 | Thornton | $1,294 |
| 11 | Centennial | $1,291 |
| 12 | Arvada | $1,282 |
| 13 | Littleton | $1,280 |
| 14 | Brighton | $1,260 |
| 15 | Westminster | $1,259 |
| 16 | Highlands Ranch | $1,254 |
| 17 | Parker | $1,245 |
| 18 | Castle Rock | $1,236 |
| 19 | Broomfield | $1,191 |
| 20 | Boulder | $1,183 |
| 21 | Longmont | $1,156 |
| 22 | Grand Junction | $1,143 |
| 23 | Greeley | $1,133 |
| 24 | Loveland | $1,085 |
| 25 | Fort Collins | $1,078 |
Recent Colorado Car Insurance Questions and Answers
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Driving Laws
Colorado Texting and Driving Laws
- Ban on all cell phones for novice drivers <18 years old
- Ban on text messaging for all drivers
Alcohol Related Fatalities
133
Per Year in ColoradoAnnual DUI Arrests
Colorado28,198
US Average23,438
DUI Legal Limit
0.08%
Blood Alcohol ContentAverage DUI Cost
10k
Nationally, For First OffendersWhat does this mean for you?
Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.
If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
