The Cheapest Car Insurance in Colorado for 2022 |
The Cheapest Car Insurance in Colorado for 2022 |

The Cheapest Car Insurance in Colorado for 2022 |


GEICO has the most low-cost median rate for MoneyGeek ’ s sample distribution driver. For actual prices, car indemnity providers in Colorado consider a variety of factors like age, recognition score, driving history and coverage amounts. For model, State Farm is the cheapest option for elder drivers and those with at-fault accidents in Colorado. USAA is the cheapest for active-duty military members, veterans and their families who are eligible for a policy. For those looking for an even more local solution, we besides broke down the cheap companies by city, ampere well as the best car policy companies in Colorado for those looking to balance quality service and cost. To find out how MoneyGeek calculated the cheapest car indemnity in Colorado, read our methodology.

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The Cheapest Car Insurance in Colorado

Cheapest Minimum Liability Car Insurance in Colorado

car policy rates in Colorado are calculated based on respective personalize factors. The cheapest car policy policy in Colorado is a liability coverage policy meeting the state ’ south minimum insurance requirements. On average, the companies with the lowest rates for minimal liability coverage in Colorado are :

  • GEICO: $373 per year
  • State Farm: $558 per year

The cheapest cable car policy for military members and their families in Colorado is USAA, at an average of $ 295 per year. The most expensive company is Progressive, which charges an average of $ 1,369 per class for alike coverage .

Cheapest Minimum Car Insurance in Colorado

These prices are only estimates based on rates for an average Colorado driver and should not be used to compare indemnity prices .Insurance Rates

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Cheapest Full Coverage Car Insurance in Colorado

While full coverage car insurance costs more than the minimal liability coverage, the policy provides far more auspices, including coverage for your own medical and car repair costs. Comparing car insurance quotes from several companies can help you locate the best rates in the state. The cheapest companies for full coverage insurance in Colorado are, on average :

  • GEICO: $872 per year
  • Travelers: $1,039 per year

USAA is the cheapest full moon coverage car indemnity in Colorado at an median cost of $ 695 per year. however, it is only available for military members, veterans and their families. The ship’s company with the highest rates for full coverage is MetLife, with an average annual cost of $ 2,084 .

Cheapest Full Coverage Car Insurance in Colorado

The prices highlighted above are for an average driver in Colorado for a policy with comprehensive and collision policy with $ 100,000 for bodily injury indebtedness per person, $ 300,000 for bodily injury liability per accident and $ 100,000 for property price per accident.

How to Compare Cheap Colorado Car Insurance Quotes Online

The majority of car insurance companies in Colorado allow you to request a quotation through their websites .

  • While requesting car insurance quotes in Colorado, specify the same coverage limits for all providers. For example, if you request a quote for $50,000 in bodily liability insurance per accident from one company, be sure to specify the same figure for all other providers.
  • To quickly compare companies in Colorado, MoneyGeek’s car insurance calculator can help you compare quote estimates for average Colorado drivers. If you are looking for personalized quotes, you’ll have to enter more information.
  • USAA, GEICO and State Farm are the top three cheap car insurance providers for a minimum liability policy.

Auto Insurance Calculator

country colorado long time 30-65 drive record clean credit score excellent Vehicle Type compact Vehicle year 2020 Liability Coverage state Min Comprehensive and Collision Insurance none sex female

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options. depleted end on average high end Click your preferable price range to see company options. Click an insurance company below to visit their recapitulation page or continue to your personalize quote. company modal annual Rates 1 .USAA $ 303 2 .GEICO $ 407 3 .State Farm $ 560 4 .Travelers $ 647 5 .Nationwide $ 658

Cheapest Car Insurance for Drivers With a DUI in Colorado

Drivers with a DUI are considered bad in Colorado. thus, they pay more for car policy than drivers with a clean read, which means they might need to file an SR-22. On average, car indemnity costs for drivers with a DUI are $ 2,187 per year, while drivers with a clean record pay $ 1,450 for like coverage. The cheapest companies on average for wide coverage cable car insurance for drivers with a DUI in Colorado are :

  • State Farm: $1,251 per year
  • Allstate: $1,534 per year

USAA is the most low-cost coverage for military members and their families at an average of $ 1,348 per year. Conversely, MetLife is the most expensive car insurance for drivers with DUIs at $ 4,516 per year on average .

Average Car Insurance Rates With a DUI

Driving while under the influence is not lone dangerous for you and others, but it can besides be dearly-won. According to the Centers for Disease Control and Prevention ( CDC ), 1,548 people were killed in traffic crashes in Colorado due to drunk driving between 2008 and 2019. During the 30 days prior to being surveyed, 1.8 % of adults in Colorado reported driving after having excessively much to drink. If you get a DUI, you ‘ll likely pay goodly fines and court fees and may have to attend alcohol education or treatment programs. additionally, your car insurance agio is likely to spike. If you have a DUI on your criminal record in Colorado, you may need to shop around for car indemnity to find a lower pace. The costs of a DUI can quickly compound. During a 13-years time period, you could end up paying an extra $ 40,000 in insurance costs after a DUI. Maintaining a clean drive record after a DUI, paying your car insurance premiums on time, and comparing quotes regularly can help keep your costs down over fourth dimension.

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Cheapest Car Insurance in Colorado for Drivers With an At-Fault Accident

cable car insurance agio prices increase after an at-fault accident. In Colorado, drivers with an at-fault accident pay an average of $ 1,981 per year. In Colorado, the cheapest car indemnity policy providers for drivers with at-fault accidents are :

  • State Farm: $1,344 per year
  • Travelers: $1,370 per year

USAA is the cheapest choice for drivers with at-fault accidents in Colorado. however, only military families are eligible for USAA policies .

Cheapest Car Insurance With an At-Fault Accident

Cheapest Car Insurance for Drivers With Tickets in Colorado

child dealings violations such as speeding tickets can increase your car policy rates importantly. Drivers in Colorado pay an modal of $ 1,701 per year with a ticket or approximately $ 251 more than drivers with no violations. The cheapest car indemnity providers in Colorado for full coverage with a travel rapidly tag are :

  • GEICO: $1,108 per year
  • State Farm: $1,251 per year

At an average of $ 848 per year, USAA is the cheapest choice for drivers with tickets. however, it is entirely available for military members, veterans, and their families. Progressive is the most costly choice at an average cost of $ 2,555 per class .

Average Car Insurance Rates With a Ticket

Having a ticket on your record for speeding or distracted drive can increase your car policy premium. According to the National Highway Traffic Safety Administration ( NHTSA ), 588 Colorado car accidents were caused by distract drive in 2018. Driving while distracted can cause accidents, so some insurers see tickets as a risk. Colorado department of state laws prohibit all hand-held device use for drivers younger than 18 and prohibit textbook message for all drivers, according to the Governors Highway Safety Association. Avoiding distracted driving can help keep you safe and help you maintain lower insurance costs. If you get a accelerate or distracted driving tag, your insurance rates may go up. Your insurance company can besides re-evaluate your rate if you get a moving rape, but you can besides look for other policy options. Shopping around after you get a ticket may help you find lower rates than your current provider offers.

Cheapest Car Insurance Companies in Colorado for Drivers With Bad Credit

car policy companies in Colorado consider credit mark as a factor when calculating their annual rates. Drivers with bad scores are required to pay higher premiums than those with potent credit. Colorado drivers with inadequate credit scores pay an average of $ 2,421 per year, closely $ 1,000 more than a driver with good credit. policy companies that provide the best full coverage rates for drivers with bad credit scores in the state are :

  • GEICO: $1,280 per year
  • Travelers: $1,582 per year

similarly priced as GEICO, USAA offers military members and their families an low-cost option at $ 1,230 per year on average. meanwhile, MetLife has the highest average pace for drivers with bad accredit in Colorado, at $ 4,146 per year .

Average Car Insurance Rates for Drivers With Bad Credit

In Colorado, many indemnity companies use recognition scores as one of many factors to inform car insurance rates. In Colorado, the average credit score of 718 is above the national median of 703, according to Experian. If you have poor credit, you may have to compare rates from multiple insurers to find the best rates in Colorado. While it can take time to improve your credit grade, doing sol could help lower your car indemnity premiums and improve other areas of your fiscal life in the hanker run.

Cheapest Car Insurance in Colorado for Seniors

If you are a nonmigratory of Colorado and a senior driver, your cable car insurance rates may be higher than new adults and middle-aged drivers. The average cost of car policy for aged drivers in the state is $ 1,575 per year, approximately $ 125 more than a 40-year-old driver with similar coverage would pay. The cheapest providers in Colorado for elder drivers with full coverage are :

  • State Farm: $1,127 per year
  • Allstate: $1,127 per year

USAA is the cheapest cable car policy for senior drivers in Colorado at an average of $ 788 per year. This option is merely available for military members, veterans and their families. Farmers is the highest average rates for Colorado seniors, with a typical annual premium of $ 2,205 .

Average Car Insurance Rates for Seniors

many seniors find that their car indemnity rates increase as they age. While some insurance companies may raise rates for older drivers, there are discounts and options available for older drivers. If you drive infrequently, have taken a driver condom class, or have a vehicle with enhance guard features, you may qualify for extra discounts. Colorado state law requires drivers 61 and older to renew driver ‘s licenses every five years and requires sight tests for drivers ages 66 and older. The state of matter accepts written reports about potentially insecure drivers from police enforcement, courts, physicians and conclusion relatives. The department of state mandates that Colorado car indemnity policies be discounted for residents of 55 and older ; insurance dismiss ranges from 10 % to 15 %, provided the drivers take a DMV-approved drive class.

Cheapest Car Insurance in Colorado for Young Drivers

Age is besides an authoritative factor affecting the cost of car policy in Colorado. insurance providers consider young drivers as riskier to insure. Therefore, new drivers tend to have higher agio rates. On average, the annual premium for 16-year-old drivers in Colorado is $ 3,764. A 25-year-old, on the other bridge player, pays an average of $ 1,485 per year. Based on average rates, Allstate is the cheapest company for young drivers between ages 16-20. meanwhile, GEICO is most normally the brassy for those who are 21-25 years old .

Annual Car Insurance In Colorado for Young Drivers

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  • age average cost Cheapest company company Cost
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In Colorado, crash rates for young drivers aged 16- to 19-years old have been a much as four times higher than those of older drivers, according to the Colorado Department of Transportation ( CDOT ). It ‘s normally your best bet to add unseasoned drivers to an existing car policy and check into whether your policy company offers good scholar discounts. Always notify the indemnity ship’s company if your car will be used in another state of matter for more than 30 days.

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Insurance Rate Information for Military Drivers and Veterans

With more than 34,000 active-duty military personnel living in the state, Colorado has more than 10 times those on active agent duty in neighboring Wyoming. military men and women and veterans in Colorado can take advantage of discounts available to them on car policy, either from peculiarity carriers or major insurance companies. Call around or research on-line for the best deals. military personnel from other states must still insure their vehicles while operate on in Colorado, although the state grants exemptions for possession tax. To get the exemption, complete a Nonresidents and Military Service Exemption from Specific Ownership Tax Affidavit ( Form DR 2667 ) and deliver it to the local anesthetic title and registration office .

Average Rates for Colorado service members

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Car Insurance in Colorado: What You Need to Know

Colorado requires all drivers to insure their cars before registering or driving them .

Proof of Insurance in Colorado

You must prove that you carry at least the minimal compulsory Colorado car indemnity in the form of an insurance card or a picture on a cellular telephone telephone. Colorado will besides accept as proof :

  • A copy of your car insurance policy
  • A letter from your insurance company, if it shows the company letterhead
  • A computer printout from an insurer
  • A faxed of proof of insurance
  • Email from your car insurer

You ‘ll need to show proof of car insurance in Colorado :

  • When you register your vehicle (or renew the registration)
  • If a law enforcement officer asks for it
  • If you are in a crash

Minimum Liability Insurance Requirements in Colorado

car owners in Colorado are required to carry indebtedness policy. This policy covers bodily injury to another person and wrong to another ‘s vehicle or property when the insured is at fault for an accident. The play along minimum coverages are required by the department of state, although you may purchase higher coverages :

  • $25,000 for bodily injury or death to one person in an accident
  • $50,000 for bodily injury or death to all persons in any one accident
  • $15,000 for property damage in any one accident

While those are the minimal requirements, many consumer advocates recommend that policyholders looking to protect their assets get at least $ 100,000/ $ 300,000 in liability coverage per person and per accident, respectively. If you owe money on your cable car, you should besides consider comprehensive and collision coverage to protect your own vehicle .

High-Risk Auto Insurance Program in Colorado

Colorado has a bad car indemnity program — the Colorado Motor Vehicle Insurance Plan ( CO AIP ) — created to provide automobile indemnity to eligible drivers who could not get coverage differently. Check with your insurance company to see if you qualify for CO AIP .

Alternatives to Insurance in Colorado

Although there is an option to car indemnity in Colorado, the country does not make it cheap. Drivers must pay $ 35,000 in cash or hold a surety adhesiveness in the same come .

How Much Coverage Do You Need in Colorado?

Colorado ‘s minimal liability coverage of 25/50 is well below experts ‘ recommendations of 100/300. If you factor in the cost of operating room or an extend hospital bide, you ‘ll see why : $ 50,000 is often not enough to cover costs, and at-fault drivers are responsible for coming up with anything beyond that measure. Given the high number of drivers cruising the state without an indemnity policy, you may besides want to consider uninsured/underinsured motorist coverage, which insurance companies in the state of matter must offer. last, collision and comprehensive coverage — both of which must be offered to consumers by law — can prove valuable. such coverage ensures that your own vehicle gets repaired should you be at fault or if your car is damaged in a rash or other natural catastrophe. however, you may want to skip such policies for older vehicles that are not worth very much.

Cheapest Car Insurance in Colorado by City

car insurance costs may besides vary greatly within a state, depending on the city where you live. For case, drivers from Fort Collins pay the cheapest cable car indemnity in Colorado. The average pace in the city is $ 1,112 per year. The average cost of policy in the most expensive city, Pueblo, is $ 1,518 per year. These rates are based on a cable car insurance policy with fully coverage. Click your city to learn more about car indemnity in your area .

Average Insurance Rate by City in Colorado

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  • City per annum monthly
  • 1 .Arvada $ 1,318 $ 110
  • 2 .Aurora $ 1,512 $ 126
  • 3 .Boulder $ 1,221 $ 102
  • 4 .Centennial $ 1,370 $ 114
  • 5 .Colorado Springs $ 1,407 $ 117
  • 6 .Denver $ 1,447 $ 121
  • 7 .Fort Collins $ 1,112 $ 93
  • 8 .Greeley $ 1,156 $ 96
  • 9 .Lakewood $ 1,459 $ 122
  • 10 .Pueblo $ 1,518 $ 127
  • 11 .Thornton $ 1,357 $ 113
  • 12 .Westminster $ 1,344 $ 112

FAQs About Car Insurance in Colorado

car policy questions in Colorado revolve around coverage limits and costs. Some of the most coarse FAQs include :

The party with the bum car insurance in Colorado is USAA, although it entirely serves current and retire military members and their families. The most low-cost supplier for most residents is GEICO, with a monetary value of $ 373 for the state ’ s minimum liability policy .

You can lower your rates by maintaining a clean and jerk drive history and comparing quotes from versatile providers before purchasing your cable car insurance .

The modal cost of cable car indemnity in Colorado is $ 1,450 per year .

You will pay an average of $ 121 per calendar month for car indemnity in this state.

Expert Advice on Finding Cheap Car Insurance in Colorado

  1. What are the key factors drivers in Colorado should look for when searching for the best car insurance coverage ?
  2. What steps can drivers in Colorado take to find low-cost car policy ?

Maclyn L. Clouse, PhDMaclyn L. Clouse, PhD Maclyn L. Clouse, PhD Sorenson Distinguished Professor of Finance at the University of DenverSharon LassarSharon Lassar Sharon Lassar John J. Gilbert Endowed Professor and Director, School of Accountancy at the University of Denver

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guarantee you ‘re getting the best rate for your car insurance. Compare quotes from the circus tent insurance companies. widget-location-pin About the writerexpert-profileexpert-profile Laura Longero is an award-winning writer, content strategist, and communications leader with 15 years of experience in journalism, public relations and marketing for start-ups to global companies. A endow storyteller, she leads creative teams to produce target, high-quality content. Highly organized and detail-oriented with a bias for natural process, she has a strong feel of urgency in driving projects to completion and enjoys creating holy order from chaos. Laura possesses exceptional experience in build up and leading teams – with a acute eye for strong endowment, particularly in cultivating future leaders .

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