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Cheap Auto Insurance Quotes in Colorado (January 2022)
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Save More Green in Colorful Colorado
From the tallest sand dune in North American to the highest paved road, Colorado treats drivers to some pretty fantastic views.
The key to good sightseeing is finding a great vantage point—which usually means climbing quite high. If your insurance bill has recently spike, or, if you’re just curious to see what kind of money you could be saving, we’ve done a little shopping for you. Read on for some of the cheapest quotes, most interesting discounts, and best oh-by-the-way tips for Colorado drivers.
No matter your driving history or personal background, find the best and cheapest car insurance quotes in Colorado with the help of Insurify
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.
For drivers in Colorado, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.
To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Colorado. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Colorado.
For drivers in Colorado, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Colorado. The following are the best insurance rates from carriers that offer full coverage auto insurance in Colorado.
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:
Colorado State Farm Bureau Mutual
National Farmers Union P&C
Location and appointment scheduling information for the DMV (for licenses) and the County Motor Vehicle office (for registration) can be found here. Additionally, those new to Colorado may find it useful to go to MyDMV for all of the information they need on transferring a license or registering a vehicle.
Drivers in Colorado should be aware of several things before registering their vehicles:
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Colorado drivers measure up to their fellow motorists across the United States in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Among all fifty states, Colorado drivers rank 19 in the number of car accidents per driver.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Colorado drivers rank 6 in the number of speeding infractions per driver across all fifty states.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Colorado drivers rank 13 in the number of DUI’s per driver across all fifty states.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Colorado is the Ford F-Series Pickup.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Colorado drivers rank 8 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Colorado drivers rank 46 in clean driving records across all fifty states.
Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Colorado drivers rank 17 in street racing violations per driver.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Colorado drivers rank 11 in failure to yield violations per driver across all fifty states.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all fifty states, Colorado drivers rank 16 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Colorado drivers rank 14 in hybrid and electric vehicle ownership across all fifty states.
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.
Fountain won Insurify's Most Patriotic Cities Award for the state of Colorado. Fountain is located just southeast of the Fort Carson army installation.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.