Compare rates from 9 car insurance companies 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.
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.
The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15%.
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.
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 |
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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.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 |
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.