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.

CityCheapest CarrierQuote
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

Colorado Driving Facts

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
colorado

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 CompanyQuotes
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 CompanyQuotes
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 CompanyQuotes
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 CompanyQuotes
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 CompanyQuotes
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.

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.

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.