Cheapest Auto Insurance in Colorado (2025)
State Farm offers the cheapest liability-only car insurance quotes in Colorado, with a monthly quote of $71.
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Written byMelanie Lockert
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10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
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Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
- Cheapest car insurance companies in CO
- Affordable car insurance in CO
- Liability-only car insurance in CO
- Full-coverage car insurance in CO
- CO car insurance requirements
- Car insurance quotes by history
- Car insurance quotes for seniors
- Car insurance quotes for teens
- Car insurance quotes by credit tier
- FAQs
Table of contents
Car insurance in Colorado costs an average of $150 per month, compared to the national average of $144 per month.
Colorado’s high volume of uninsured motorists could be driving up rates across the state. Colorado requires car insurance to drive legally, but 17.1% of drivers in the state are uninsured, compared to 14% nationwide, according to Insurance Information Institute data.[1]
Comparing quotes from multiple Colorado insurance companies can help you find the best price on coverage that’s right for you.
Quick Facts
State Farm has the cheapest liability-only car insurance in Colorado, with rates of $71 per month.
Only 14% of Colorado residents live in rural areas, according to U.S. census data.[2] Car insurance typically costs more in urban areas, where more drivers are on the road and the risk of accidents is higher due to traffic congestion.
Colorado car insurance rates increased by 4% in 2023, compared to 17% nationally.
6 of the cheapest car insurance companies in Colorado
State Farm, Progressive, and Sun Coast provide some of the cheapest car insurance in Colorado, with liability rates starting at $71 per month.
But you might find a cheaper rate with another insurer. Insurance companies determine premiums based on a variety of factors unique to each driver, including accident history, age, gender, credit-based insurance score, and vehicle make and model.
 |  |  |  |  |  |
|---|---|---|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $88/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $113/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $121/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $135/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $145/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $111/mo* |
Overall rating 4.1 | Overall rating 4.9 | Overall rating 4.5 | Overall rating 3.9 | Overall rating 4.3 | Overall rating 3.3 |
Value for money 3.8/5 | Value for money 4.9/5 | Value for money 4.5/5 | Value for money 3.7/5 | Value for money 4.0/5 | Value for money 3.3/5 |
Customer service 4.1/5 | Customer service 4.7/5 | Customer service 4.9/5 | Customer service 3.9/5 | Customer service 4.0/5 | Customer service 3.3/5 |
Claims handling 4.1/5 | Claims handling 4.9/5 | Claims handling 4.9/5 | Claims handling 4.1/5 | Claims handling 4.3/5 | Claims handling 3.4/5 |
Special highlight Customer serviceAI-generated from 6096 user reviews | Special highlight Members of the military communityAI-generated from 1210 user reviews | Special highlight Outstanding customer serviceAI-generated from 242 user reviews | Special highlight Teen driversAI-generated from 6469 user reviews | Special highlight Usage-based savingsAI-generated from 489 user reviews | Special highlight Competitive ratesAI-generated from 7010 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $71/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $104/mo |
4.1
Best choiceBased on 11,446 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,096)
Larry
Verified Review
Here's the Truth
Reviewed in North Carolina on August 2025
I have never filed a claim, so there's nothing to say here, but I do shop around and they offer the lowest rates when bundled with home insurance. However, I believe all companies overcharge their customers!
Sri
Verified Review
Overpriced Insurance
Reviewed in California on August 2025
The price increases almost every month. Very expensive.
Warren
Verified Review
Great value and great service.
Reviewed in South Carolina on August 2025
Wonderful experiences with both agents handling my policies.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is the largest insurance company in the U.S. by market share and offers some of the cheapest car insurance rates in Colorado. Drivers in Colorado can save even more on their policy with discounts for bundling, driving safely, and installing anti-theft devices in their vehicles. And J.D. Power consistently rates the insurer highly for customer and claims satisfaction.
Pros
Above-average J.D. Power customer satisfaction rating in Colorado
Available discounts for safe drivers and teen drivers
Statewide network of local, exclusive agents
Cons
Must finalize quote with an agent
Fewer discounts than some competitors
Accident forgiveness only available to long-time customers with clean driving records
American Family
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $98/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $143/mo |
4.5
Best choiceBased on 483 verified guest reviews and ratings
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (242)
Nella
Verified Review
Insurance Shopping
Reviewed in Georgia on August 2025
Very nice, but the auto insurance was double what I’m paying now.
George
Verified Review
American Family Horrible
Reviewed in Washington on August 2025
Horrible. 300% premium increase in 6 years. 60% last year. No claims with 10-year-old cars and no moving violations.
Dwayne
Verified Review
Paying too much for safe driving
Reviewed in Nevada on August 2025
I pay too much for my age and safe driving habits for the past 10 years.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
American Family has some of the lowest rates for Colorado drivers. The company stands out for its unique coverage options, including insurance for farms and ranches, businesses, and snowmobiles. And you could save up to 27% if you bundle an American Family auto policy with home insurance or life insurance.
Pros
Above-average J.D. Power customer satisfaction rating in Colorado
Many available coverage options
AM Best financial strength rating of A (Excellent)
Cons
Below-average J.D. Power digital experience rating
Fewer discounts than other insurers
No rideshare insurance coverage
USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $91/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $134/mo |
4.9
Best choiceBased on 2,143 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,210)
Elisabeth
Verified Review
USAA
Reviewed in Michigan on August 2025
Excellent, especially customer service.
Richard
Verified Review
Raised Monthly Payments on First Renewal
Reviewed in California on August 2025
My policy dropped, but on the first renewal, they raised my monthly payment.
Patrick
Verified Review
USAA Evaluation
Reviewed in Washington on August 2025
Super for 55+ years.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Offering coverage exclusively to active-duty military members, veterans, and their family members, USAA could be a solid choice for the more than 357,000 veterans living in Colorado. The insurer has competitive rates and high levels of customer satisfaction.
Eligible Colorado drivers may be able to save even more through USAA’s many discounts, including up to 3% for making automatic payments, up to 10% by bundling home and auto coverage, and up to 15% for storing your vehicle at a military base.
Pros
Competitive rates in Colorado
Highly rated by J.D. Power for customer satisfaction
Savings of up to 30% with USAA’s SafePilot telematics program
Cons
Coverage restricted to members of the military community
Limited optional coverages
No live 24/7 customer support
How to get the cheapest car insurance in Colorado
The car insurance rate you get depends on many different factors, including your driving history, location, how much you drive, gender, age, and your credit history.
To get cheap car insurance in Colorado, here are some things you can do:
Raise your deductible. A higher deductible means you pay more out of pocket if there’s a claim, but it can result in lower car insurance premiums.
Look for discounts that you may qualify for. Insurance companies may offer discounts based on safe driving, having multiple policies with the company, or an affiliation, such as being an active-duty military member, veteran, or a teacher.
Compare car insurance rates. Shopping around can help you find the best rates for your situation. Check out prospective rates from multiple insurers to make the search easier.
Low-cost car insurance in Colorado
Colorado doesn’t have any low-income insurance programs to help drivers find affordable car insurance policies. If you’re looking for low-cost options in Colorado, consider shopping for insurance every six months and comparing quotes from at least three to five car insurance companies.
Car insurance rates can vary greatly among insurance companies, and comparing car insurance quotes allows you to find the best deal.
Find Cheap Car Insurance in Colorado
Liability rates average $96 per month
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Based on 7,669+ reviews
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Cheapest liability-only car insurance quotes in Colorado: State Farm
Colorado requires drivers to carry liability auto insurance, though it only pays for damages and injuries to other parties when you cause an accident. This coverage makes sense if you have an older vehicle with a relatively cheap cash value.
Liability-only insurance in Colorado costs an average of $96 per month.
Here are the cheapest insurers for Colorado liability insurance.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $71 |
| Progressive | $74 |
| Sun Coast | $78 |
| Root | $79 |
| The General | $83 |
| Bristol West | $84 |
| USAA | $91 |
| American Family | $98 |
| Allstate | $110 |
| GEICO | $110 |
| Safeco | $117 |
| Nationwide | $118 |
| Auto-Owners | $126 |
| Dairyland | $127 |
| Direct Auto | $129 |
| National General | $144 |
| Travelers | $178 |
| Farmers | $186 |
| Liberty Mutual | $211 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance quotes in Colorado: State Farm
If you need higher levels of coverage, you can look into full-coverage insurance, which comes with collision and comprehensive coverages. Collision insurance covers your vehicle after an at-fault accident with another vehicle or stationary object, while comprehensive insurance covers damage due to non-collision events, like severe weather and theft.
Colorado drivers pay $203 per month, on average, for full-coverage car insurance. Check out the most affordable full-coverage insurance in the table below.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $104 |
| USAA | $134 |
| American Family | $143 |
| Progressive | $148 |
| GEICO | $159 |
| Allstate | $161 |
| Root | $166 |
| Nationwide | $172 |
| Auto-Owners | $185 |
| Bristol West | $195 |
| Safeco | $205 |
| The General | $208 |
| Sun Coast | $222 |
| Travelers | $261 |
| Farmers | $272 |
| Direct Auto | $278 |
| National General | $286 |
| Liberty Mutual | $312 |
| Dairyland | $328 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Colorado
Minimum liability car insurance requirements vary by state. In Colorado, you need to maintain the following car insurance coverage:
Coverage Type | Amount |
|---|---|
| Bodily injury or death (one person) | $25,000 |
| Bodily injury or death (all persons) | $50,000 |
| Property damage in accident | $15,000 |
These requirements cover you if you’re found at fault for an accident that causes bodily injury, death, or damage to another party’s vehicle. While this is the minimum requirement, it only covers the other party if you’re found at fault and doesn’t cover your own property or injuries, which is where additional insurance coverage like collision, comprehensive, and medical payments protection can help.
Cheapest car insurance companies in CO for drivers with an incident
Your driving history can affect your car insurance premiums. If you have a clean record, you’ll get the lowest rates, but drivers with speeding tickets or at-fault accidents end up paying more. Colorado drivers with a driving under the influence (DUI) conviction will pay the most.
Here’s a look at average monthly quotes for the cheapest car insurance in Colorado based on driving and accident history.
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Read More: SR-22 Companies in Colorado
Cheapest recent car insurance quotes in Colorado
Drivers using Insurify have found quotes as cheap as $53/mo for liability only and $91/mo for full coverage in Colorado.
*Quotes generated for Insurify users within the last 10 days. Last updated on August 14, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 14, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on August 14, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 14, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Cheapest car insurance quotes for drivers with a speeding ticket: State Farm
Speeding puts you at a higher risk of being in a severe car accident, so insurance companies charge higher premiums after a ticket. Nearly 30% of traffic fatalities nationwide involve speeding, according to the National Safety Council.[3]
Drivers in Colorado with a speeding ticket pay an average of $117 per month for liability insurance.
Here’s how insurance companies’ average monthly quotes change after a speeding ticket in Colorado.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Avg. Quote With Clean Driving Record | Avg. Quote With Speeding Ticket |
|---|---|---|
| State Farm | $71 | $87 |
| Progressive | $74 | $90 |
| Sun Coast | $78 | $95 |
| Root | $79 | $101 |
| The General | $83 | $109 |
| Bristol West | $84 | $105 |
| USAA | $91 | $112 |
| American Family | $98 | $122 |
| Allstate | $110 | $135 |
| GEICO | $110 | $139 |
| Safeco | $117 | $147 |
| Nationwide | $118 | $146 |
| Auto-Owners | $126 | $156 |
| Dairyland | $127 | $156 |
| Direct Auto | $129 | $160 |
| National General | $144 | $177 |
| Travelers | $178 | $221 |
| Farmers | $186 | $230 |
| Liberty Mutual | $211 | $260 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance quotes for drivers with an at-fault accident: State Farm
Insurers calculate rates based on risk and often reward drivers who are accident-free with lower premiums. Unfortunately, if you cause an accident, you can usually expect your premium to increase upon renewal.
Liability-only insurance in Colorado costs $116 per month, on average, for drivers with an at-fault accident on their record.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Avg. Quote With Clean Driving Record | Avg. Quote With At-Fault Accident |
|---|---|---|
| State Farm | $71 | $88 |
| Progressive | $74 | $89 |
| Sun Coast | $78 | $94 |
| Root | $79 | $96 |
| The General | $83 | $109 |
| Bristol West | $84 | $105 |
| USAA | $91 | $113 |
| American Family | $98 | $122 |
| Allstate | $110 | $136 |
| GEICO | $110 | $129 |
| Safeco | $117 | $153 |
| Nationwide | $118 | $148 |
| Auto-Owners | $126 | $155 |
| Dairyland | $127 | $160 |
| Direct Auto | $129 | $167 |
| National General | $144 | $180 |
| Travelers | $178 | $223 |
| Farmers | $186 | $232 |
| Liberty Mutual | $211 | $264 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance quotes for drivers with a DUI: State Farm
A DUI conviction in Colorado will stay on your motor vehicle record for 10 years and could lead to an increase in your insurance premium for 3 to 7 years depending on your insurer. Drivers in Colorado with a DUI pay monthly averages of $155 for liability coverage and $327 for full coverage.
Practicing safe driving behavior or taking a defensive driving course approved by your insurer could reduce your rate over time.
The table below shows the cheapest car insurance companies for drivers in Colorado with a DUI.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify ’s engineering team for more than three years.
Insurance Company | Avg. Quote With Clean Driving Record | Avg. Quote With DUI |
|---|---|---|
| State Farm | $71 | $109 |
| Progressive | $74 | $119 |
| Sun Coast | $78 | $126 |
| Root | $79 | $122 |
| The General | $83 | $128 |
| Bristol West | $84 | $130 |
| USAA | $91 | $140 |
| American Family | $98 | $151 |
| Allstate | $110 | $170 |
| GEICO | $110 | $170 |
| Safeco | $117 | $197 |
| Nationwide | $118 | $182 |
| Auto-Owners | $126 | $194 |
| Dairyland | $127 | $196 |
| Direct Auto | $129 | $199 |
| National General | $144 | $222 |
| Travelers | $178 | $274 |
| Farmers | $186 | $287 |
| Liberty Mutual | $211 | $325 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance quotes for seniors: State Farm
Seniors typically pay less for car insurance, though rates start to rise in their 70s due to an enhanced accident risk and a higher probability of medical treatment needed for accident-caused injuries.[4]
Senior drivers in Colorado pay a monthly average of $78 for liability-only car insurance. Explore affordable insurance options for seniors in the table below.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| State Farm | $55 | $80 |
| Progressive | $61 | $121 |
| Sun Coast | $64 | $182 |
| Root | $66 | $138 |
| The General | $67 | $168 |
| Bristol West | $68 | $157 |
| USAA | $73 | $107 |
| American Family | $77 | $112 |
| GEICO | $86 | $125 |
| Allstate | $88 | $129 |
| Nationwide | $88 | $129 |
| Auto-Owners | $99 | $146 |
| Safeco | $100 | $176 |
| Direct Auto | $101 | $218 |
| Dairyland | $102 | $264 |
| National General | $110 | $219 |
| Travelers | $139 | $204 |
| Farmers | $145 | $211 |
| Liberty Mutual | $173 | $256 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance quotes for teens: Progressive
Young drivers, especially teen drivers, have a higher likelihood of getting into a fatal accident, according to the Centers for Disease Control and Prevention.[5] As such, your age can affect your car insurance rate, as insurers consider certain age groups more likely to file a claim.
Liability insurance costs an average of $170 for Colorado teens, and full coverage costs $360 per month.
Teenagers in Colorado pay the highest rate for car insurance. Rates drop further in the 20s and 30s age brackets and mostly trend downward.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Progressive | $131 | $262 |
| State Farm | $133 | $195 |
| Root | $135 | $283 |
| Sun Coast | $138 | $394 |
| The General | $140 | $352 |
| Bristol West | $148 | $343 |
| USAA | $164 | $242 |
| American Family | $179 | $262 |
| GEICO | $192 | $278 |
| Dairyland | $208 | $536 |
| Allstate | $213 | $311 |
| Nationwide | $225 | $328 |
| Safeco | $230 | $403 |
| Auto-Owners | $231 | $339 |
| Direct Auto | $250 | $539 |
| National General | $290 | $575 |
| Farmers | $351 | $513 |
| Travelers | $351 | $514 |
| Liberty Mutual | $365 | $539 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Colorado car insurance quotes by credit tier
Many states, including Colorado, allow insurers to factor in your credit history when calculating your car insurance rates. Your credit history is a reflection of how you use and manage credit available to you, like credit cards, loans, and more.
Insurers believe your credit history also indicates how likely you are to file a claim. Drivers with good credit pay cheaper car insurance premiums, and drivers with poor credit pay more expensive premiums.
The table below shows what you might pay each month based on your credit tier in Colorado.
Quotes by Credit Tier
Car insurance rates across Colorado cities
Where you live significantly affects how much you pay for car insurance. Factors like vehicle crime rates, weather events, and traffic patterns all influence how likely you are to file a car insurance claim.
Check out the table below for an idea of the average car insurance quote in Colorado, based on the city you live in.
- CityAvg. Full Coverage QuoteAvg. Liability Only Quote
Arvada $202 $100 Broomfield $202 $100 Colorado Springs $218 $103 Denver $229 $112 Fort Collins $172 $84 Greeley $191 $87 Pueblo $211 $95 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Colorado car insurance FAQs
If you’re looking for more information about car insurance in Colorado, this additional information may help as you research your coverage options.
Which company has the cheapest car insurance in Colorado?
The top three cheapest insurance companies in Colorado are State Farm, Progressive, and Sun Coast. These insurers have the best prices in the state for liability-only insurance, of $71, $74, and $78 per month, respectively. Comparing multiple quotes at once can help you find the cheapest car insurance rate for your situation.
What’s the required car insurance coverage in Colorado?
Colorado’s minimum car insurance requirements are $25,000 per person and $50,000 per accident in bodily injury liability coverage and $15,000 per accident in property damage liability coverage.
How does credit score affect car insurance premiums in Colorado?
Insurers consider your credit history when determining rates, so having a better credit score typically lowers your costs. A poor credit score is anything that falls below 630, while an excellent credit score is anything above 720.
You don’t need perfect credit to get a good insurance rate, though, since credit is just one of the factors insurers consider when determining car insurance premiums.
Is Colorado a no-fault state?
No. Colorado is an at-fault state. This means the driver who caused an accident is responsible for paying for damages. This includes vehicle repairs, medical bills and other costs, like legal fees and judgments, if a lawsuit is filed against the at-fault driver.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
- Colorado Department of Local Affairs. "2020 Colorado Urban Areas."
- National Safety Council. "Speeding."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
- Centers for Disease Control and Prevention. "Teen Driver and Passenger Safety."
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Melanie Lockert
Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.
Melanie has been a contributor at Insurify since November 2022.
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