Cheap Auto Insurance Quotes in Colorado (2021)

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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

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.

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. For the complete list, see Insurify's best car insurance companies.

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.

Quotes by Top Carriers
Quotes ($/mo)
$117
$186
$220
$252
$255
$265
State FarmNationwideTravelersThe GeneralAmerican FamilyLiberty Mutual
Monthly $
CityCheapest Carrier
State FarmState Farm
$117/mo
State FarmState Farm
$106/mo
State FarmState Farm
$123/mo
State FarmState Farm
$90/mo
AllstateAllstate
$114/mo
State FarmState Farm
$121/mo
AllstateAllstate
$111/mo
State FarmState Farm
$106/mo
State FarmState Farm
$94/mo
AllstateAllstate
$108/mo
State FarmState Farm
$90/mo
State FarmState Farm
$112/mo
State FarmState Farm
$86/mo
State FarmState Farm
$115/mo
State FarmState Farm
$128/mo
State FarmState Farm
$108/mo
Sun CoastSun Coast
$146/mo
Sun CoastSun Coast
$132/mo
Sun CoastSun Coast
$137/mo
TravelersTravelers
$159/mo
Sun CoastSun Coast
$113/mo
Bristol WestBristol West
$152/mo
Sun CoastSun Coast
$165/mo
Bristol WestBristol West
$133/mo
Sun CoastSun Coast
$165/mo

Cheapest Liability Auto Insurance in Colorado

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.

Cheapest Full Coverage 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.

Colorado Driving Facts

colorado

Minimum Car Insurance Requirements in CO

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

Cheapest Car Insurance Quotes in Colorado by Profile

Here are the cheapest insurance companies in Colorado based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For Colorado drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. State Farm offers the best options for good drivers in Colorado, at $86 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance Company
State Farm
$86/mo
Allstate
$94/mo
Nationwide
$127/mo
The General
$150/mo
Travelers
$171/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.

Insurance Company
Acuity
$31/mo
State Farm
$48/mo
Colorado State Farm Bureau Mutual
$49/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.

Insurance Company
Acuity
$31/mo
USAA
$35/mo
Grange
$43/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.

Insurance Company
Acuity
$30/mo
USAA
$31/mo
Grange
$36/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of Colorado, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. USAA offers the cheapest car insurance rates for young drivers, averaging $25 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Colorado 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Coloradans lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance Company
USAA
$25/mo
Acuity
$32/mo
Grange
$35/mo
Auto Owners
$36/mo
National Farmers Union P&C
$41/mo

SR‌-22 Insurance in Colorado

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Colorado on your behalf.

CO DMV Information

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:

  • As mentioned, you must have already converted your out-of-state title to a Colorado title.
  •  Secondly, you must be able to show proof of insurance.

Insurify Insights: How Colorado Drivers Measure Up

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.

Accidents 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. Among all fifty states, Colorado drivers rank 19 in the number of car accidents per driver.

  • Rank of States: #19
  • Percent of drivers in Colorado with an accident: 10.87%
  • Drivers in CO with an accident in their driving history paid on average 31.55% more than drivers with a clean record

Speeding Colorado

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.

  • Rank of States: #6
  • Percent of drivers in Colorado with a speeding ticket: 13.35%
  • Drivers in CO with a speeding ticket in their driving history paid on average 30.1% more than drivers with a clean record

DUI/DWIs Colorado

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.

  • Rank of States: #13
  • Percent of drivers in Colorado with a DUI: 2.71%
  • Drivers in CO with a DUI in their driving history paid on average 8.25% more than drivers with a clean record

Most Popular Vehicle Colorado

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.

Rude Colorado

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.

  • Rank of States: #8
  • Percent of drivers in Colorado with a reckless driving violation: 2.83%
  • Drivers in CO with a reckless driving violation in their driving history paid on average 22.82% more than drivers with a clean record.

Safest Drivers Colorado

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.

  • Rank of States: #46
  • Percent of drivers in Colorado with clean record: 76.08%

Street Racing Colorado

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.

  • Rank of States: #17
  • Percent of drivers in Colorado with a street racing violation: 0.01%

Failure to Yield the Right of Way Colorado

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.

  • Rank of States: #11
  • Percent of drivers in Colorado with a failure to yield violation: 0.54%
  • Drivers in CO with a failure to yield violation in their driving history paid on average 31.07% more than drivers with a clean record

Reckless Drivers 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. Among all fifty states, Colorado drivers rank 16 in the number of reckless driving offenses per driver.

  • Rank of States: #16
  • Percent of drivers in Colorado with a reckless driving offense: 0.16%

Hybrid/Electric Vehicle Ownership Colorado

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.

  • Rank of States: #14
  • Percent of drivers in Colorado with a hybrid/electric vehicle: 1.16%

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.

Greenes Cities

Durango

Greenes Cities
% of Hybrids / Electrics
3%
Most Patriotic City

Most Patriotic City

Colorado Springs

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 with cars illustration

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


FAQs - Colorado Car Insurance

Is Colorado a no-fault insurance state?

No. Colorado is an at-fault state, which means the person who is “at fault” is responsible for paying the entire amount of damages and medical expenses. Under a no-fault insurance system, the insurance provider pays regardless of fault, up to a specific limit.

Can I drive legally in Colorado if I am undocumented?

To date, Colorado does not provide driver’s licenses to anyone without proper identification.

Does Colorado require uninsured motorist (UM) or underinsured motorist (UIM) coverage?

No, Colorado does not require you to purchase uninsured motorist coverage. Remember, however, that being in an accident with an at-fault uninsured driver could mean money out of your pocket for medical expenses and other damages. If you do decline this kind of coverage, you must do so in writing.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.