6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
Más de 3 años produciendo contenidos sobre seguros y finanzas personales
Principal artífice de la puntuación de calidad de Insurify
Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.
Mark FriedlanderDirector, Corporate Communications, Triple-I
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Cheapest recent rates near Boulder, Colorado
Drivers using Insurify have found quotes as cheap as $59/mo for liability only and $93/mo for full coverage in Boulder and other Colorado cities.
*Quotes generated for Insurify users in and around Boulder, Colorado within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Boulder, Colorado within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
At the base of the Rocky Mountains, Boulder is full of dazzling sandstone formations called the Flatirons that draw visitors from miles around. These visitors join thousands of other Colorado drivers on Boulder’s roads, which is one of the many factors that influence the area’s car insurance rates. The city's severe weather and climate hazards also play a role in Boulder's car insurance rates.
Boulder’s overall average monthly car insurance cost is $139, which is slightly less than the statewide overall average of $158 per month. Your premium may be more or less depending on things like your driving record, ZIP code, and car type.
Here’s what you should know about comparing quotesand finding affordable coverage in Boulder.
Quick Facts
State Farm, USAA, and American Family have the cheapest car insurance in Boulder.
Boulder’s average car insurance costs are $88 per month for liability-only coverage and $191 per month for full coverage.
Boulder drivers pay a yearly average of $2,295 for full-coverage car insurance.
3 of the cheapest car insurance companies in Boulder
Before you begin comparing rates for car insurance in the Boulder area, know that the best auto insurance policy for you might not be the cheapest. Instead, look for the insurer that can provide you with the exact coverage you need for the price that fits well within your budget.
Insurance Company
▲▼
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Best For
▲▼
State Farm
9.3
$97
$46
Full coverage
USAA
9.4
$126
$59
Military families
American Family
9.1
$134
$63
Students
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.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$40/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$87/mo
4.2
Best choiceBased on 9,243 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,080)
Al
December 19, 2024
Verified Review
My Opinion
Way too high premium.
Agnes
December 19, 2024
Verified Review
Best Insurance Company
I have been with them for a long time. Claims are handled quickly. I never had a problem, even when I had three teenagers driving.
Gabriel
December 18, 2024
Verified Review
My Experience with State Farm
Beware, some companies are more interested in making money than meeting the customers' needs. My wife had a medical issue while driving, and they covered it. A year later, there was a fender bender involving two moving vehicles. To me, it was no fault, but they considered it a second incident. We also had hail damage to our roof. They said there wasn't enough damage, yet my next-door neighbors received a new one. Now, they're canceling me for too much.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
The largest U.S. auto insurer by market share, State Farm offers some of the lowest car insurance quotes in Boulder, including for liability-only and full-coverage policies. Rideshare drivers can easily add transportation network company (TNC) coverage to their policies, as well.
State Farm may be able to pay out claims with ease, but the claims process itself may be less than favorable, as noted by State Farm’s higher-than-average National Association of Insurance Commissioners (NAIC) customer complaint index. And drivers with new cars may find the lack of gap coverage with State Farm disappointing.
Pros
Rideshare insurance available
A++ (Superior) financial strength rating from AM Best, the highest level possible
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$52/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$113/mo
4.9
Best choiceBased on 1,646 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (940)
Arlington
December 18, 2024
Verified Review
Mediocre
It's too hard to get past all the checks and balances to verify you're a member. There are too many questions and memory items to get past their firewall. Lastly, everyone is working remotely, and you can hear the family activities in the background.
Peter
December 18, 2024
Verified Review
Not Happy with USAA
They increase premium rates without notifying you well in advance. They even raise the premium for a minor fender bender, like pulling out of a driveway into an illegally parked vehicle.
Donna
December 17, 2024
Verified Review
I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.
I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
USAA may be a great option for military drivers searching for cheap car insurance with unique perks. Only active-duty military members or veterans, their families, and their children can be auto insurance policyholders. This membership is quite restrictive compared to other companies, though membership has its perks, like exclusive discounts for travel, dining, and shopping.
A great customer satisfaction score from a J.D. Power survey highlights happy policyholders; but some USAA members may be unhappy that they can’t reach a live agent on the phone 24/7.
Pros
High J.D. Power customer satisfaction rating in the Southwest region
Extensive member benefits beyond auto insurance
Cons
Limits membership to members of the military community
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.1 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$55/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$121/mo
4.5
Best choiceBased on 394 verified guest reviews and ratings
How drivers feel about American Family
Drivers appreciate the responsive customer service and reliability but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
How drivers feel about American Family
Drivers appreciate the responsive customer service and reliability but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (211)
Kelley
December 2, 2024
Verified Review
They raise rates every two months. They handled an incident where my wife got rear-ended and then raised the rate.
They raise rates every two months. They handled an incident where my wife got rear-ended and then raised the rate.
Jim
November 30, 2024
Verified Review
Highway Robbery
I had no claims, yet my premiums are skyrocketing. The app for auto monitoring seems to be negatively skewed for those of us who drive very little. The agents are unresponsive and add no value.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.3
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
As the home of the University of Colorado’s main campus, Boulder drivers who are also students can benefit from potentially low rates for auto insurance from American Family. It has coverage options available for a variety of students, including rideshare insurance, 24/7 emergency roadside assistance, and original equipment manufacturer (OEM) coverage. Student-specific discounts make rates even lower.
Pros
Teen Safe Driver program
Student-specific discounts
Cons
Low customer ratings on Trustpilot
Only available in 18 states
How to get the cheapest car insurance in Boulder
It’s important to find the right auto insurance coverage for your needs, even if it’s not the cheapest auto insurance coverage. Rates change often, as do other savings incentives. To get the cheapest car insurance in Boulder, consider these tips:
Ask about loyalty perks. Your insurer may offer special discounts for longtime policyholders or give you a discount when bundling multiple policies, such as auto insurance and other personal insurance like homeowners insurance or renters insurance.
Ask about group insurance. If you belong to certain professional organizations, like an alumni group, or have certain employee benefits, you may be eligible for a cheaper group insurance policy.
Shop around. Since rates and incentives change regularly, it pays to shop around. You can use online comparison sites to see multiple car insurance quotes in minutes.
Reconsider coverage. If you drive an older, lower-value vehicle, it may not be worth insuring it with a full-coverage policy. Consider dropping optional coverages or reducing policy limits to save money.
Find Cheap Car Insurance in Boulder
Liability rates start at $40 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Boulder: State Farm
All Boulder residents need to meet the minimum auto insurance requirements, which is what liability-only coverage provides. Even when you compare car insurance rates from different companies, each insurer will offer the same state-required minimum levels of insurance under their liability-only auto insurance policies.
Liability-only coverage in Boulder costs an average of $88 per month.
Here are the cheapest car insurance companies for liability insurance in Boulder.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$40
USAA
$52
American Family
$55
Allstate
$62
GEICO
$62
Nationwide
$67
Root
$67
Sun Coast
$67
Progressive
$71
Auto-Owners
$72
The General
$77
Bristol West
$83
Safeco
$96
Dairyland
$99
Foremost
$101
Travelers
$101
Farmers
$106
Direct Auto
$111
National General
$128
Liberty Mutual
$172
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 Boulder: State Farm
Insurers don’t have a set definition for full-coverage car insurance, but this type of policy usually includes comprehensive coverage and collision coverage, along with liability injury coverage and property liability coverage.
A full-coverage policy is typically more expensive than a liability-only policy, as it adds more financial protection to your coverage. While liability insurance covers injuries and damages you cause to others and their property, full coverage pays for your own damages and injuries — depending on the included coverages.
Full-coverage policies in Boulder cost $191 per month, on average.
If you want the cheapest full-coverage insurance in Boulder, start your search with the insurers below.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$87
USAA
$113
Root
$120
American Family
$121
GEICO
$133
Allstate
$135
Nationwide
$144
Progressive
$153
Auto-Owners
$155
Sun Coast
$161
Safeco
$174
The General
$206
Bristol West
$209
Travelers
$219
Farmers
$229
Dairyland
$234
National General
$256
Direct Auto
$257
Liberty Mutual
$275
Foremost
$306
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 recent rates near Boulder, Colorado
Drivers using Insurify have found quotes as cheap as $46/mo for liability only and $93/mo for full coverage in Boulder and other Colorado cities.
*Quotes generated for Insurify users in and around Boulder, Colorado within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Boulder, Colorado within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Colorado
Increased public transportation between Boulder and Denver via the EcoPass, Neighborhood Pass, and CollegePass programs isn’t the only thing that’s changed for commuters since 2003. In the same year, Colorado changed from a no-fault state to an at-fault state. This means that drivers at fault in an accident are responsible for paying for the damages and injuries they cause to other parties. Drivers can usually pay for these losses through their liability insurance.
The current minimum insurance coverage state law requires includes bodily and property liability coverage.[1]
Coverage
▲▼
Minimum Requirements
▲▼
Bodily injury liability
$25,000 per person per accident / $50,000 for all persons per accident
Property damage liability
$15,000 per accident
While meeting Colorado’s minimum insurance requirements is enough to drive legally, it may not be enough coverage for everyone. Additional protection is available if you want more coverage than the minimum requirements provide. Colorado drivers could consider adding more auto insurance coverage, such as:
Comprehensive coverage
Comprehensive insurance provides protection against non-collision events like vandalism, theft, fire, and natural disasters.
Collision coverage
Collision insurance protects you if you hit a stationary object or another vehicle, even if you’re at fault. It also covers rollover accidents and damage from hitting a pothole.
Medical payments coverage
Medical payments insurance covers medical expenses and funeral costs for you and your passengers. Colorado requires insurers to offer a minimum of $5,000 in MedPay coverage, but you can decline it in writing if you don't want the coverage.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for your injuries if the driver that hit you doesn’t have sufficient insurance coverage. Colorado requires insurers to offer this coverage to all policyholders. But if you don't want it, you can decline it in writing.
Accident forgiveness
Purchasing optional accident forgiveness before an accident occurs can help ensure your car insurance premium doesn't rise after your first at-fault accident. Keep in mind, though, that you'll generally need to have a clean driving record for at least three years to qualify for this coverage.
Gap insurance
If you've leased or financed your vehicle, gap insurance can offer greater financial protection in case your car is totaled. Gap coverage can pay the difference between your remaining loan or lease balance and your car insurance payout. Without gap insurance, you could be on the hook for paying of your car loan or lease if your car is totaled.
Cheapest car insurance for drivers with an incident
Your car insurance premiums with a clean driving record will likely be much lower than if you have an incident on your driving record. Incidents can include things like speeding tickets and other traffic violations, driving under the influence, and being in an at-fault accident.
These incidents can affect your rate in different ways, but all are traffic violations that ultimately may lead to your insurer paying out a claim.
Shop for Car Insurance in Boulder, CO
Monthly rates start at $48 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: State Farm
No matter the roadway — but especially in construction zones and during inclement weather — speeding increases your chances of getting into a car accident. Speed is a contributing factor in car crashes, so it makes sense that an insurer might raise your rates for several years when you get a speeding ticket, even if you weren’t involved in an accident.[2]
Boulder drivers with a speeding ticket pay an average of $127 per month for liability coverage and $276 per month for full coverage.
If you need cheaper rates after getting a speeding ticket, check out the table below for the cheapest liability rates in Boulder for drivers with this incident.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
State Farm
$40
$52
USAA
$52
$69
American Family
$55
$73
Allstate
$62
$82
GEICO
$62
$82
Nationwide
$67
$89
Root
$67
$95
Sun Coast
$67
$97
Progressive
$71
$93
Auto-Owners
$72
$96
The General
$77
$104
Bristol West
$83
$111
Safeco
$96
$128
Dairyland
$99
$131
Foremost
$101
$143
Travelers
$101
$135
Farmers
$106
$140
Direct Auto
$111
$147
National General
$128
$170
Liberty Mutual
$172
$244
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
Boulder had more than 1,400 traffic accidents in 2023, resulting in three fatalities and 470 injuries, according to Colorado Department of Transportation data. An at-fault accident — even when there are no injuries or significant property damage — is an incident that may raise your rates. Filing an at-fault claim forces your insurer to pay money for your claim; it’ll likely raise your rates to compensate for its financial loss.
Liability insurance costs $123 per month, on average, for drivers in Boulder with an accident.
Here are the liability rates of some of the cheapest auto insurance companies in Boulder for drivers with an at-fault accident.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
State Farm
$40
$53
USAA
$52
$70
American Family
$55
$74
Allstate
$62
$83
GEICO
$62
$83
Nationwide
$67
$90
Root
$67
$96
Sun Coast
$67
$94
Progressive
$71
$96
Auto-Owners
$72
$97
The General
$77
$105
Bristol West
$83
$111
Safeco
$96
$128
Dairyland
$99
$131
Foremost
$101
$144
Travelers
$101
$136
Farmers
$106
$141
Direct Auto
$111
$152
National General
$128
$170
Liberty Mutual
$172
$245
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
Colorado has a high conviction rate for DUI charges, and officers can arrest a driver with any BAC if they seem impaired.[3] A DUI is a serious offense. In Colorado, DUIs stay on your motor vehicle record for 10 years, so people in Boulder who drive under the influence should anticipate high rate increases after a conviction. Some insurers may even drop them from the policy.
Boulder drivers with a DUI pay a monthly average of $141 for liability coverage. The cost for a full-coverage policy jumps to $306 per month.
The table below shows the liability rates of the cheapest auto insurers for drivers with a DUI in Boulder.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
State Farm
$40
$65
USAA
$52
$84
American Family
$55
$89
Allstate
$62
$101
GEICO
$62
$101
Nationwide
$67
$109
Root
$67
$98
Sun Coast
$67
$107
Progressive
$71
$115
Auto-Owners
$72
$117
The General
$77
$125
Bristol West
$83
$135
Safeco
$96
$140
Dairyland
$99
$161
Foremost
$101
$164
Travelers
$101
$164
Farmers
$106
$172
Direct Auto
$111
$180
National General
$128
$208
Liberty Mutual
$172
$279
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
Based on state data, it seems that as the senior population in Colorado increases, so does the number of fatal crashes.[4] Boulder drivers should anticipate a rate increase as they reach age 70, even if they’ve seen a rate decrease since they turned 25. This is because older adults have an increased risk of accidents.[5]
Senior drivers in Boulder pay $65 per month for a minimum-coverage policy, on average. Check out affordable rates for senior drivers in the table below.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
State Farm
$64
$29
USAA
$85
$39
American Family
$90
$41
Root
$96
$54
GEICO
$100
$47
Nationwide
$101
$47
Allstate
$102
$47
Progressive
$104
$48
Auto-Owners
$116
$54
Sun Coast
$119
$50
Safeco
$141
$78
The General
$158
$59
Bristol West
$159
$63
Travelers
$162
$75
Farmers
$169
$78
Dairyland
$177
$75
National General
$184
$92
Direct Auto
$189
$81
Liberty Mutual
$218
$136
Foremost
$231
$76
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
In the Boulder area, distracted driving was a factor in 17% of fatal crashes for drivers between 15 and 20 years old.[4] Boulder teens should expect higher rates than drivers of other age groups, including young drivers between 20 and 25 years old. Across the nation, teens have a higher risk of fatal car accidents due to inexperience, overconfidence, increased distractions, and risky driving behaviors.
Liability-only insurance for teens in Boulder costs $159 per month, and full coverage costs $346 per month, on average.
Great ways for teen drivers to get the cheapest rates for their car insurance in Boulder County include driving a car with the latest safety features, completing driving safety courses, staying on their parents’ insurance policies, and qualifying for good student discounts. Minor teens can't legally buy their own car insurance policy without the written consent of a parent or guardian.
You can see average liability rates for teen drivers in Boulder in the table below.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
State Farm
$155
$71
Root
$186
$104
USAA
$197
$91
American Family
$216
$98
GEICO
$221
$103
Allstate
$250
$115
Nationwide
$261
$122
Auto-Owners
$269
$125
Progressive
$277
$129
Sun Coast
$292
$121
The General
$339
$127
Safeco
$341
$188
Bristol West
$364
$145
Dairyland
$390
$165
Travelers
$410
$189
Farmers
$414
$192
Direct Auto
$486
$210
Liberty Mutual
$486
$304
National General
$519
$259
Foremost
$562
$186
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.
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Boulder car insurance quotes by credit tier
As you shop for insurance coverage, you should be aware that Colorado state law allows insurance companies to evaluate your credit history, in addition to other personal information, when determining your rates. Though it’s just one of many factors, drivers with excellent or good credit scores typically get lower rates than drivers with poor credit scores.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Boulder?
The overall average cost of car insurance in Boulder is $139, which is less than the statewide average of $158 and the national average of $153.
Car insurance costs can vary between Colorado cities, mainly due to crash rates, traffic density, vehicle theft and vandalism rates, and population differences among ZIP codes. In the Boulder area, for instance, costs may be lower than in a city like Denver, as the state’s capital has significantly more motor vehicle thefts.[6]
More cities in Colorado
Here’s how the average cost of car insurance in Boulder compares to average rates in other Colorado cities.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The average cost of car insurance in Boulder is $88 per month for liability only and $191 per month for full coverage.
Which company has the cheapest car insurance in Boulder?
State Farm has the cheapest car insurance in Boulder, with monthly liability-only rates as low as $40. USAA and American Family also offer affordable coverage, with respective monthly liability rates of $52 and $55.
But the cheapest insurer for you will depend on many individual rating factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Boulder?
Some of the best car insurance companies in Boulder include American Family, State Farm, and USAA. These auto insurers have lower-than-average rates, above-average J.D. Power customer satisfaction ratings, and strong AM Best financial strength ratings.
But the best car insurance company for you depends on your unique needs and budget. Always shop quotes with at least three insurers to find the best rate for your coverage needs.
Is Colorado an expensive state for car insurance?
Colorado has average car insurance rates similar to the national average, so it’s not much more expensive or much cheaper than other states. For example, Colorado’s average cost for car insurance is $158 per month, but neighboring states like Nevada and California have higher costs of $244 and $208 per month.
How does living in Boulder affect your car insurance rates compared to other locations?
You might find cheaper car insurance rates in Boulder than you would in other Colorado cities. The city reported fewer motor vehicle thefts in 2023 than other cities with similar population sizes. And Boulder County has about half the population of Denver County, which can keep insurance costs comparatively cheaper.[7]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
U.S. Census Bureau. "QuickFacts: Denver County, Colorado; Boulder County, Colorado."
Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Nick has been a contributor at Insurify since October 2022.
Más de 3 años produciendo contenidos sobre seguros y finanzas personales
Principal artífice de la puntuación de calidad de Insurify
Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.
Mark FriedlanderDirector, Corporate Communications, Triple-I
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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