Car Insurance for Good Drivers in Colorado

The Zebra
July 15, 2019

Car insurance for good drivers in Colorado

Some of the factors that contribute to your car insurance rates lie beyond your control: your age, the city or state in which you reside, and your gender are common rating factors over which you don’t have much of a say. But there are a few factors you can control if you're looking for lower rates.

If you want to find the lowest possible car insurance rates, try to keep your driving history clean, your credit score solid, and your monthly driving mileage low. Insurers provide price cuts to low-risk drivers. Exhibiting as little risk as possible behind the wheel — and in everyday life — can result in more affordable rates.

See below a breakdown of the best companies with which to start your car insurance search if you’re a low-risk customer in Colorado.

Car insurance rates for drivers with no citations in Colorado

One of the easiest ways to pay less for auto insurance is to keep your driving record clean. Car insurance companies view good drivers as less risky customers and assign them more affordable rates. If you remain on the right side of the law, you could enjoy lower auto insurance rates.

If you're free of tickets, start your search for car insurance with Allied, which offers an average annual insurance rate of $1,391. That comes out to $291less than the average car insurance rate for drivers without citations in Colorado.

CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN COLORADO
Insurance CompanyAvg. Annual Auto Insurance Rate
Allied$1,391
State Farm$1,537
USAA$1,537
Grange$1,576
Nationwide$1,690
Titan$1,691
American Family$1,966
GEICO$2,084

Auto insurance rates for drivers with high credit scores in Colorado

Car insurance companies reward clients who maintain a solid credit history. If your credit score sits in the good, very good, or excellent tiers, you could receive a price cut on your auto insurance premium.

If your credit score is “good,” your top option for car insurance in Colorado could be Allied, offering an average annual rate of $1,391. If your credit score is in the “excellent” range, Allied might be a smart place to start your search. Allied's prices for clients with "excellent" credit average are $181 per year less than the typical car insurance rate for drivers with excellent credit in Colorado.

Find below a breakdown of auto insurance rates in Colorado for drivers with good, very good, and excellent credit scores.

CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN COLORADO
Insurance CompanyAvg. Annual Auto Insurance Rate
Allied$1,391
State Farm$1,537
USAA$1,537
Grange$1,576
Nationwide$1,690
Titan$1,691
American Family$1,966
GEICO$2,084

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN COLORADO
Insurance CompanyAvg. Annual Auto Insurance Rate
Allied$1,316
State Farm$1,363
USAA$1,408
Grange$1,504
Titan$1,590
Nationwide$1,601
American Family$1,811
GEICO$1,955

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN COLORADO
Insurance CompanyAvg. Annual Auto Insurance Rate
Allied$1,222
State Farm$1,249
USAA$1,297
Grange$1,426
Nationwide$1,488
Titan$1,496
American Family$1,716
Allstate$1,819

Compare rates from top companies!

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Auto insurance for low-mileage drivers in Colorado

The fewer miles you drive, the less likely you are to be involved in a collision. That’s the logic auto insurance companies use to assign lower premiums to drivers who use their cars infrequently. If you stay below the 7,500-mile-per-year threshold, you’re likely to save some money on auto insurance each month. Exactly how much you can save by driving fewer miles comes down to your insurance company's pricing practices.

If you're a Colorado resident who doesn't rack up major mileage, consider USAA, which offers average annual savings of $330 for low-mileage drivers.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN COLORADO
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$1,352
Allied$1,391
State Farm$1,392
Grange$1,576
Nationwide$1,690
Titan$1,691
American Family$1,790
GEICO$1,862

Start your search today — compare rates now!

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Rates for good drivers in Colorado — by city

Car insurance rates don't depend only on the state in which a driver resides — their city and ZIP code matter, too. Auto insurers rate policies by the driver’s home ZIP code, adjusting premiums for the risk levels associated with various regions.

Find below a breakdown of car insurance rates for drivers with positive rating factors in the five most populous cities in every state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Fort Collins$1,602$1,602$1,515$1,441$1,496
Lakewood$1,817$1,817$1,720$1,638$1,682
Colorado Springs$1,948$1,948$1,842$1,751$1,823
Aurora$1,966$1,966$1,861$1,770$1,802
Denver$1,981$1,981$1,874$1,783$1,819

Find an affordable policy today!

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