Cheapest Auto Insurance in Colorado (2023)

Car insurance in Colorado costs an average of $145 per month, compared to the national average of $155 per month.

Colorado’s uninsured motorists could be driving up rates across the state. Colorado requires car insurance to drive legally, but 16.3% of drivers in the state are uninsured, compared to 12.6% 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.

Cheapest car insurance companies in Colorado 

State Farm, USAA, and American Family provide the cheapest car insurance in Colorado, with liability rates starting at $47. 

However, 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, and vehicle make and model. Comparing quotes from multiple insurers can help you find the best deal for you.

Best car insurance overall in Colorado: State Farm

Best cheap car insurance in Colorado: American Family

Best for military members and families in Colorado: USAA

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 potentially your credit.

To get cheap car insurance in Colorado, consider the following:

• 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 a military member 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.

Find Car Insurance in Colorado

Enter your ZIP codeGet My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

Cheapest liability-only car insurance in Colorado: State Farm

Liability auto insurance is required in Colorado, 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.

The cheapest insurance company for liability-only car insurance in Colorado is State Farm, with rates of $47 per month.

Here are the cheapest insurers for Colorado liability insurance.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	47
USAA	61
American Family	65
Sun Coast	67
GEICO	72
Allstate	73
Safeco	79
Progressive	83
State Auto	83
Auto-Owners	84
Nationwide	86
The General	88
Midvale Home & Auto	89
Bristol West	100
Dairyland	101
Foremost	102
Direct Auto	117
Travelers	119
Farmers	124
Liberty Mutual	140

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 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 accidents or hitting other objects, while comprehensive covers damage due to other events, like severe weather and theft.

State Farm offers the cheapest full-coverage insurance in Colorado, with a cost of $93 per month.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	93
USAA	120
American Family	129
GEICO	143
Allstate	145
Nationwide	155
Safeco	162
Progressive	164
Sun Coast	165
Auto-Owners	166
Direct Auto	182
Midvale Home & Auto	183
Travelers	196
Liberty Mutual	221
Bristol West	227
Dairyland	244
Farmers	245
The General	248
Foremost	255
State Auto	277

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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:

These requirements cover you if you’re found at fault for 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 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) charge 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.

Shop for Car Insurance in Colorado

Monthly rates start at $60 for drivers with an incident

Enter your ZIP codeGet My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

Cheapest car insurance 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]

The cheapest insurance company for Colorado drivers with a speeding ticket is State Farm, with monthly rates of $67.

Here’s how insurance companies’ average monthly quotes change after a speeding ticket in Colorado.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	43	67
USAA	56	87
American Family	59	93
Sun Coast	61	96
GEICO	66	103
Allstate	67	104
Safeco	72	113
Progressive	76	119
State Auto	76	119
Auto-Owners	77	120
Nationwide	79	123
The General	80	126
Midvale Home & Auto	81	127
Bristol West	91	143
Dairyland	92	144
Foremost	93	146
Direct Auto	107	167
Travelers	109	170
Farmers	113	177
Liberty Mutual	128	200

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 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.

If you have an at-fault accident on record, you could still find rates as low as $63 per month from State Farm.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With At-Fault Accident
State Farm	43	63
USAA	56	81
American Family	59	87
Sun Coast	61	89
GEICO	66	96
Allstate	67	97
Safeco	72	105
Progressive	76	111
State Auto	76	111
Auto-Owners	77	112
Nationwide	79	115
The General	80	117
Midvale Home & Auto	81	119
Bristol West	91	133
Dairyland	92	135
Foremost	93	136
Direct Auto	107	156
Travelers	109	159
Farmers	113	165
Liberty Mutual	128	187

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 for drivers with a DUI: State Farm

A DUI will lead to an increase in your insurance premium, but practicing safe driving behavior or taking courses approved by your insurer could reduce your rate over time. 

State Farm offers rates as low as $72 per month for drivers with a DUI on record.

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: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With DUI
State Farm	43	72
USAA	56	94
American Family	59	100
Sun Coast	61	103
GEICO	66	110
Allstate	67	112
Safeco	72	121
Progressive	76	127
State Auto	76	127
Auto-Owners	77	129
Nationwide	79	132
The General	80	135
Midvale Home & Auto	81	136
Bristol West	91	153
Dairyland	92	155
Foremost	93	156
Direct Auto	107	179
Travelers	109	182
Farmers	113	190
Liberty Mutual	128	215

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 for seniors: State Farm

Seniors typically pay less for car insurance, though rates start to rise in their 70s due to increased vulnerability in a crash and medical issues that can slow reaction times.^[4] 

Senior drivers in Colorado can find monthly rates as low as $30 for liability coverage from State Farm.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Liability Only	Full Coverage
State Farm	30	59
USAA	39	77
American Family	41	82
Sun Coast	43	105
GEICO	46	91
Allstate	47	92
Safeco	50	103
Progressive	53	105
State Auto	53	177
Auto-Owners	54	106
Nationwide	55	99
The General	56	158
Midvale Home & Auto	57	117
Dairyland	64	156
Bristol West	64	145
Foremost	65	163
Direct Auto	75	116
Travelers	76	125
Farmers	79	156
Liberty Mutual	89	141

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 for teens: State Farm

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.

Teenagers in Colorado pay the highest rate for car insurance. Rates drop further in the 20s and 30s age bracket and mostly trend downward.

Comparison shopping can help teen drivers in Colorado find rates as low as $85 per month from State Farm.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Liability Only	Full Coverage
State Farm	85	168
USAA	110	216
American Family	117	232
Sun Coast	121	297
GEICO	130	258
Allstate	132	261
Safeco	142	292
Progressive	150	296
State Auto	150	499
Auto-Owners	151	299
Nationwide	155	279
The General	159	447
Midvale Home & Auto	160	330
Bristol West	180	409
Dairyland	182	440
Foremost	184	459
Direct Auto	211	328
Travelers	214	353
Farmers	223	441
Liberty Mutual	252	398

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Colorado car insurance quotes by credit tier

Many states allow insurers to factor in your credit history when calculating your car insurance rates, and Colorado is one of these states.^[6] 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 tend to pay cheaper car insurance premiums, and drivers with poor credit pay more expensive premiums.

The table below shows what you can expect to pay each month based on your credit tier in Colorado.

Find Car Insurance in Colorado

Enter your ZIP codeGet My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

Colorado car insurance FAQs

Insurify Insights

How Colorado Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Colorado below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Colorado drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Ford F-Series Pickup

Most Popular Car in Colorado

#7

State with the Most Speeding Tickets Rank

#8

State with the Moving Violations Rank

#12

State with the Most DUIs Rank

#18

State with the most Suspended Licenses

• Accidents in Colorado

  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. Colorado is the #15 state in the country for drivers with an at-fault accident on their driving record.

  • Rank among states: #15
  • Percent of drivers in Colorado with an accident: 9.6%
• DUIs in Colorado

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Colorado is the #12 state in the country for drivers with a prior drunk driving conviction.

  • Rank among states: #12
  • Percent of drivers in Colorado with a DUI: 2%
• Reckless Driving in Colorado

  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. Colorado is the #13 state in the country for drivers with a reckless driving offense on record.

  • Rank among states: #13
  • Percent of drivers in Colorado with a reckless driving offense: 1.7%
• Rude Driving in Colorado

  The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Colorado is the #11 state in the country for drivers with a rude driving violation on record.

  • Rank among states: #11
  • Percent of drivers in Colorado with a rude driving violation: 2%
• Speeding in Colorado

  Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Colorado is the #7 state in the country for drivers with a speeding ticket on record.

  • Rank among states: #7
  • Percent of drivers in Colorado with a speeding ticket: 11.4%
• Failure to Yield Rates in Colorado

  Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Colorado is the #10 state in the country for drivers with a failure to yield violation on record.

  • Rank among states: #10
  • Percent of drivers in Colorado with a failure to yield violation: 0.2%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.