Cheapest Car Insurance in Colorado

Here are the cheapest carriers in Colorado for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Colorado.

Companies Quotes
State Farm

State Farm

$86 /mo


$94 /mo


$127 /mo
The General

The General

$150 /mo


$171 /mo

Best Car Insurance in Colorado

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Colorado.

Companies Insurify
Composite Score

American Family

$191 /mo


$94 /mo


$127 /mo

State Farm

$86 /mo

Liberty Mutual

$186 /mo


$171 /mo

Car Insurance in Colorado

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Colorado to find you the cheapest quotes in each of these metropolitan areas.

Denver, Colorado's state capital and most populous city, was the first community in the nation to employ wheel clamps (or "Denver boots") to enforce parking tickets.

Colorado Driving Facts

Studies on the relationship between driver behavior and increasingly lax state laws on marijuana in Colorado have led to inconclusive results; however, marijuana-impaired highway deaths are reportedly in decline.

Colorado's minimum liability car insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

States with Most
DUIs Rank
moving violations
States with Most
Moving Violations Rank
popular car
Most Popular Car
Ford F-Series Pickup
speeding violations
States with Most
Speeding Tickets Rank
suspended licenses
States with Most
Suspended Licenses Rank

Greenest Cities in Colorado

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The perceived impact of the federal government's Clean Power Act is at the center of much political controversy in Colorado. The state is currently grappling with the law's implications for statewide drilling, methane emissions, and use of public lands. Colorado drivers who operate vehicles that use alternative forms of fuel (compressed natural gas, liquefied natural gas, or liquefied petroleum gas) must pay an excise tax. Electric vehicles are also regulated.

green city award


most patriotic
% of Hybrids/Electrics 2%

Most Patriotic City


Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Fountain won Insurify's Most Patriotic Cities Award for the state of Colorado. Fountain is located just southeast of the Fort Carson army installation.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Colorado is vital for all car insurance shoppers hitting the road in The Centennial State.

Road Rankings

12% Rural Roads in
Poor Condition

#16 Ranked

7% Structurally Deficient
Rural Bridges

#12 Ranked

1% Fatality Rate per 100M VMT
on Rural Roads

#25 Ranked