Cheap Colorado Car Insurance

Compare the best rates from 13 car insurance companies in Colorado.

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

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 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:
Optional coverage in Colorado (varies by carrier):

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.

Top 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




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

How to remove not at fault homeowners claims

Jun 10, 2018

My home owners insurance (condo) was compensated by subrogation from another insurance company. As I try to get another home ...

Car insurance for an 18yo in Colorado

Jun 07, 2018

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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
Alcohol Related Fatalities


Per Year in Colorado
Annual DUI Arrests
US Average
DUI Legal Limit


Blood Alcohol Content
Average DUI Cost


Nationally, For First Offenders
What 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.

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, Colorado 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.

Please Note:

  • 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.

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:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to
  • With your submission, please include your name, address, and phone number.
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and 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.