Cheapest Auto Insurance in Colorado (2025)

Progressive offers the cheapest liability-only car insurance quotes in Colorado, with a monthly quote of $78.

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Cheapest recent car insurance quotes in Colorado

Drivers in and around Colorado have found policies from Trexis, Sun Coast, State Farm, and more, through Insurify in the last few days.

*Quotes generated for Insurify users from Colorado within the last 10 days. Last updated on July 24, 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 July 24, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Colorado within the last 10 days. Last updated on July 24, 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 July 24, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Melanie Lockert
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Melanie Lockert
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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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Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
  • 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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Car insurance in Colorado costs an average of $154 per month, compared to the national average of $149 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
  • Progressive has the cheapest liability-only car insurance in Colorado, with rates of $78 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

Progressive, State Farm, and Sun Coast provide some of the cheapest car insurance in Colorado, with liability rates starting at $78 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.

State Farm logo
USAA logo
American Family logo
GEICO logo
Nationwide logo
Progressive logo
Average price
Prices based on average across state-minimum and full coverage car insurance
$95/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$122/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$130/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$147/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$157/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$119/mo*
Overall rating
4.1
Overall rating
4.9
Overall rating
4.5
Overall rating
4.0
Overall rating
4.3
Overall rating
3.3
Value for money
3.9/5
Value for money
4.9/5
Value for money
4.5/5
Value for money
3.8/5
Value for money
4.0/5
Value for money
3.4/5
Customer service
4.1/5
Customer service
4.7/5
Customer service
4.9/5
Customer service
3.9/5
Customer service
4.1/5
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
4.4/5
Claims handling
3.4/5
Special highlight
AI-generated from 6071 user reviews
Customer service
Special highlight
AI-generated from 1200 user reviews
Members of the military community
Special highlight
AI-generated from 238 user reviews
Outstanding customer service
Special highlight
AI-generated from 6444 user reviews
Teen drivers
Special highlight
AI-generated from 487 user reviews
Usage-based savings
Special highlight
AI-generated from 6959 user reviews
Competitive rates
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

State Farm

State Farm logo
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.
$80/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.
$109/mo
4.1
Best choiceBased on 11,349 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 (6,071)
Ethline
Verified Review
Insurance Increase
Reviewed in Maryland on July 2025
My only problem with State Farm is the rising cost of my insurance. I've been with them for about 35 years, and my husband had one accident last year, causing the premiums to increase by 100%. What's that about? They've just increased mine as well.
Deidre
Verified Review
Florida Insurance Cost Woes
Reviewed in Florida on July 2025
It seems to be the best price here in Florida. Customer service is lacking. There's no agent to talk to. When we bought the policy, we had an agent who was okay, but he left, and now it is a house account. We would prefer a broker to find us the best rate, but alas, that is lacking in Florida. We feel frustrated and alone in trying to find the best rate. We had a better deal in Arizona.
Jim
Verified Review
Left wanting more for my money.
Reviewed in Ohio on July 2025
They and others are too expensive. I have one homeowner's claim in 37 years of home ownership and still pay too much.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.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

American Family logo
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.
$110/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.
$150/mo
4.5
Best choiceBased on 471 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 (238)
William
Verified Review
Getting a better rate for car insurance.
Reviewed in California on July 2025
So far, no other insurance company could beat their offer.
Richard
Verified Review
American Family Insurance
Reviewed in Florida on May 2025
Purchased through Costco and it originally saved me a lot of money.
Scott
Verified Review
Check the Fine Details
Reviewed in Oregon on May 2025
My homeowner's insurance went up by $2000, and American Family did not inform me. It was my mortgage company that did. Make sure to check all the fine details.
See all American Family reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47
A.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

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

USAA logo
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.
$103/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.
$141/mo
4.9
Best choiceBased on 2,117 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 (1,200)
Kenneth
Verified Review
Too long with USAA, apparently.
Reviewed in Florida on July 2025
Thirty-plus year member. Love the distribution at the end of the year; not impressed with the steady increase in premiums, especially since I’ve had only two claims since I joined, neither very costly to USAA. I’m looking for less cost and much better customer appreciation.
Illya
Verified Review
Where does the money go?
Reviewed in Virginia on July 2025
Insurance is much too high but lower than others I've priced. Service is excellent and flexible, and the policy is good for full coverage, just too darn expensive.
Dianne
Verified Review
USAA is good for super good insurance, but it costs much more to receive 'benefits' I don't really need.
Reviewed in Indiana on July 2025
USAA is good for super good insurance, but it costs much more to receive 'benefits' I don't really need.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.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 $99 per month

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Cheapest liability-only car insurance quotes in Colorado: Progressive

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 $99 per month.

Here are the cheapest insurers for Colorado liability insurance.

The below rates are estimated rates current as of: Monday, July 21 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Progressive$78
State Farm$80
Sun Coast$80
Root$81
Bristol West$86
The General$87
USAA$103
American Family$110
Safeco$116
Allstate$123
GEICO$125
Direct Auto$132
Nationwide$132
Dairyland$137
Auto-Owners$142
National General$147
Travelers$200
Farmers$209
Liberty Mutual$216
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 $208 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: Monday, July 21 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$109
USAA$141
American Family$150
Progressive$159
Root$164
GEICO$168
Allstate$169
Nationwide$181
Auto-Owners$194
Bristol West$202
Safeco$204
The General$213
Sun Coast$226
Travelers$274
Direct Auto$283
Farmers$286
National General$292
Liberty Mutual$317
Dairyland$327
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
sort ascsort desc
Amount 
sort ascsort desc
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.

Read More: SR-22 Companies in Colorado

Read More: SR-22 Companies in Colorado

Cheapest recent car insurance quotes in Colorado

Drivers in and around Colorado have found policies from Farmers, Allstate, The General, and more, through Insurify in the last few days.

*Quotes generated for Insurify users within the last 10 days. Last updated on July 24, 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 July 24, 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 July 24, 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 July 24, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Cheapest car insurance quotes for drivers with a speeding ticket: Progressive

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 $119 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: Monday, July 21 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
sort ascsort desc
Avg. Quote With Clean Driving Record
sort ascsort desc
Avg. Quote With Speeding Ticket
sort ascsort desc
Progressive$78$94
State Farm$80$96
Sun Coast$80$96
Root$81$103
Bristol West$86$105
The General$87$111
USAA$103$124
American Family$110$134
Safeco$116$144
Allstate$123$148
GEICO$125$155
Direct Auto$132$161
Nationwide$132$160
Dairyland$137$166
Auto-Owners$142$173
National General$147$177
Travelers$200$244
Farmers$209$253
Liberty Mutual$216$265
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: Progressive

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 $117 per month, on average, for drivers with an at-fault accident on their record.

The below rates are estimated rates current as of: Monday, July 21 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
sort ascsort desc
Avg. Quote With Clean Driving Record
sort ascsort desc
Avg. Quote With At-Fault Accident
sort ascsort desc
Progressive$78$92
State Farm$80$96
Sun Coast$80$94
Root$81$97
Bristol West$86$105
The General$87$111
USAA$103$125
American Family$110$135
Safeco$116$150
Allstate$123$149
GEICO$125$143
Direct Auto$132$166
Nationwide$132$162
Dairyland$137$168
Auto-Owners$142$172
National General$147$178
Travelers$200$245
Farmers$209$255
Liberty Mutual$216$267
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 $159 for liability coverage and $335 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: Monday, July 21 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
sort ascsort desc
Avg. Quote With Clean Driving Record
sort ascsort desc
Avg. Quote With DUI
sort ascsort desc
Progressive$78$126
State Farm$80$125
Sun Coast$80$129
Root$81$127
Bristol West$86$135
The General$87$136
USAA$103$161
American Family$110$172
Safeco$116$185
Allstate$123$193
GEICO$125$196
Direct Auto$132$207
Nationwide$132$207
Dairyland$137$215
Auto-Owners$142$222
National General$147$230
Travelers$200$313
Farmers$209$327
Liberty Mutual$216$338
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 $80 for liability-only car insurance. Explore affordable insurance options for seniors in the table below.

The below rates are estimated rates current as of: Monday, July 21 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
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Average Quote: Liability Only
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Average Quote: Full Coverage
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State Farm$61$83
Progressive$63$129
Sun Coast$65$183
Root$66$134
Bristol West$68$161
The General$68$167
USAA$81$111
American Family$85$116
GEICO$95$128
Allstate$97$133
Nationwide$97$133
Safeco$98$173
Direct Auto$101$216
Dairyland$108$259
National General$110$219
Auto-Owners$111$151
Travelers$153$210
Farmers$160$219
Liberty Mutual$175$258
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 $176 for Colorado teens, and full coverage costs $369 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: Monday, July 21 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Progressive$138$282
Root$139$281
Sun Coast$142$401
The General$146$358
State Farm$149$203
Bristol West$151$355
USAA$185$253
American Family$200$273
GEICO$219$294
Dairyland$223$533
Safeco$234$411
Allstate$237$325
Nationwide$250$343
Direct Auto$254$545
Auto-Owners$256$350
National General$293$581
Liberty Mutual$383$561
Travelers$389$533
Farmers$390$534
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.

  • City
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    Avg. Full Coverage Quote 
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    Avg. Liability Only Quote
    sort ascsort desc
    Arvada$201$102
    Broomfield$204$100
    Colorado Springs$220$103
    Denver$232$112
    Fort Collins$179$84
    Greeley$197$87
    Pueblo$214$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 Progressive, State Farm, and Sun Coast. These insurers have the best prices in the state for liability-only insurance, of $78, $79, and $81 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
  2. Colorado Department of Local Affairs. "2020 Colorado Urban Areas."
  3. National Safety Council. "Speeding."
  4. Centers for Disease Control and Prevention. "Older Adult Drivers."
  5. Centers for Disease Control and Prevention. "Teen Driver and Passenger Safety."
Melanie Lockert
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.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

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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Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Triple-I
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • 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.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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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