120+ more*Quotes generated for Insurify users in and around Boulder, Colorado within the last 10 days. Last updated on November 1, 2026. 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 November 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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5+ years experience in personal finance writing
Personal finance blogger
Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
){kind=small}
15+ years editing experience
7+ years experience in insurance and personal finance editing
NPN: 6642281
Becky has been an editor at Insurify since 2024. She seeks to make insurance more understandable for everyone.
){kind=small}
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated
The average cost of car insurance in Boulder is $87 per month for state-minimum coverage and $185 for full coverage.
Boulder car insurance rates are lower than the Colorado average, possibly due to shorter commute times. Boulder drivers spend an average of 18 minutes traveling to work, compared with the statewide average of 25 minutes.
Commute times are also longer in nearby Longmont and Denver, and drivers in these cities pay higher average rates.
Liability insurance averages $87 per month in Boulder, compared to the statewide average of $97 per month.
State-minimum liability coverage is typically cheaper than full coverage because it offers less protection.
Colorado car insurance requirements include $25,000 per person and $50,000 per accident in bodily injury liability, along with $15,000 in property damage liability coverage.[1]
The table below shows companies offering the cheapest liability car insurance in Boulder. Of these, State Farm has the lowest average rates.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $48 |
| Sun Coast | $53 |
| Progressive | $56 |
| The General | $56 |
| Root | $61 |
| USAA | $61 |
| Mile Auto | $63 |
| American Family | $66 |
| GEICO | $67 |
| Bristol West | $73 |
| Auto-Owners | $85 |
| Trexis | $87 |
| Mendota | $88 |
| Safeco | $92 |
| National General | $94 |
| Dairyland | $96 |
| Allstate | $100 |
| Direct Auto | $100 |
| Insurify Car | $107 |
| Travelers | $120 |
| Farmers | $124 |
| Liberty Mutual | $146 |
Get covered in minutes with a low initial payment
Colorado sits in Hail Alley, which averages seven to nine hail days each year. The comprehensive portion of a full-coverage policy pays to repair hail damage to your vehicle.[2]
Full coverage in Boulder averages $185 per month, which is cheaper than the statewide monthly average of $217. State Farm has the lowest average full-coverage rates in Boulder.
Below are quotes for cheap full-coverage car insurance in Boulder, Colorado.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $107 |
| Progressive | $120 |
| Root | $133 |
| USAA | $139 |
| American Family | $148 |
| GEICO | $152 |
| Mile Auto | $159 |
| Bristol West | $162 |
| Safeco | $165 |
| The General | $173 |
| Sun Coast | $185 |
| Auto-Owners | $192 |
| Allstate | $205 |
| National General | $212 |
| Dairyland | $220 |
| Mendota | $221 |
| Direct Auto | $223 |
| Trexis | $232 |
| Liberty Mutual | $252 |
| Travelers | $270 |
| Farmers | $282 |
Grand Junction and Loveland have some of the cheapest auto insurance rates in Colorado, possibly due to their smaller populations. Cities with larger populations, such as Denver and Aurora, have some of the highest rates in the state.
Auto insurance in Boulder costs less than the state average. This could be due in part to its shorter commute times and lower risk of auto theft.
Vehicle thefts in Boulder decreased 48% in the first half of 2025 compared to the same period in 2024, according to the Boulder Police Department.
Meanwhile, the Denver-Aurora-Centennial metro ranked No. 8 nationally for vehicle theft during that same time, according to Insurify data.
The table below compares average monthly car insurance rates across various Colorado cities.
City | Average Monthly Quote |
|---|---|
| Grand Junction | $106 |
| Loveland | $124 |
| Fort Collins | $130 |
| Greeley | $136 |
| Longmont | $144 |
| Arvada | $147 |
| Castle Rock | $148 |
| Pueblo | $152 |
| Broomfield | $158 |
| Westminster | $158 |
| Parker | $159 |
| Colorado Springs | $161 |
| Commerce City | $162 |
| Denver | $169 |
| Englewood | $171 |
| Aurora | $183 |
*Quotes generated for Insurify users in and around Boulder, Colorado within the last 10 days. Last updated on November 1, 2026. 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 November 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your Colorado driving record shows at least seven years of tickets, traffic convictions, and license suspensions, according to the Colorado Department of Revenue.
The following insurers offer cheap Boulder car insurance based on your driving record:
Cheapest car insurance for Boulder drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Boulder: State Farm
Cheapest car insurance for Boulder drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Boulder: State Farm
About 5.3% of Boulder drivers have a speeding ticket on their record, while 5.4% have an at-fault accident on their record, according to Insurify data.
Colorado is an at-fault state. This means the driver who caused the accident is responsible for third-party medical expenses and property damage.
About 1.2% of Boulder drivers have a driving under the influence (DUI) conviction, according to Insurify. Colorado may require an SR-22 form to reinstate your license after a DUI.
Insurers may also view you as a high-risk driver if you have any of these infractions on your record. The table below compares average monthly car insurance quotes in Boulder by driving history.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $136 |
| Speeding ticket | $176 |
| At-fault accident | $182 |
| DUI | $190 |
Boulder has the highest flash flood risk of any city in Colorado due to its location at the base of the Rocky Mountain Foothills.[3] The Boulder Office of Disaster Management warns against driving through floodwater, as only 12 inches can carry away a car.
If your vehicle stalls, leave it and move to higher ground.
Winter brings its own challenges. Boulder County plows high-traffic roads and school bus routes first. Side roads and mountain roads may have to wait until plows clear the main routes. Stay at least 200 feet behind plows since the sand they spread can damage your windshield.
Drivers in Boulder should also watch for animals, especially deer. U.S. Route 36 between Boulder and Lyons is a high-risk road for wildlife crashes, according to Colorado Parks and Wildlife.
With nearly 20% of drivers uninsured, Colorado ranks No. 9 in the nation, according to the Insurance Research Council. Uninsured motorist coverage can help protect you financially if one of these drivers hits you.
The Colorado Department of Transportation (CDOT) expects traffic on Colorado State Highway 119, the Diagonal Highway between Boulder and Longmont, to grow 25% by 2040.[4] More cars can mean more crashes, which can raise your insurance rates.
Cameras in the Highway 119 work zone monitor speeds. If a camera clocks you exceeding the speed limit by 10 or more miles, you’ll automatically receive a $75 fine.
Fall semester move-in at the University of Colorado Boulder can also increase traffic. If possible, avoid U.S. Route 36, Baseline Road, Broadway, and Arapahoe Avenue during move-in week.
Check quotes from 120+ top insurance companies
In a 2025 survey, 40% of Boulder Valley high schoolers who drove said they had used their phones while driving in the past 30 days. Teen drivers in Boulder pay an average of $160 per month for liability coverage.
State Farm offers the lowest rates for Boulder teens, averaging $93 per month. The table below shows the companies with the most affordable car insurance in Boulder for teen drivers.
Insurance Company | Average Monthly Quote |
|---|---|
| Root | $92 |
| State Farm | $93 |
| Sun Coast | $98 |
| The General | $101 |
| Progressive | $103 |
| USAA | $111 |
| GEICO | $122 |
| American Family | $124 |
| Mile Auto | $129 |
| Bristol West | $129 |
| Trexis | $160 |
| Mendota | $162 |
| Dairyland | $165 |
| Auto-Owners | $171 |
| Allstate | $184 |
| National General | $185 |
| Safeco | $189 |
| Direct Auto | $195 |
| Insurify Car | $197 |
| Farmers | $247 |
| Travelers | $248 |
| Liberty Mutual | $256 |
Crashes involving older adults increased by 89% since 2010, according to the City of Boulder’s 2022 Safe Streets Report. By comparison, the city’s older adult population grew by just 35% between 2010 and 2019.
Boulder seniors pay an average of $70 per month for liability coverage. Senior drivers in Boulder may find the best rates from State Farm.
Below, you can compare quotes for the cheapest car insurance in Boulder for senior drivers.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $36 |
| Sun Coast | $43 |
| Progressive | $45 |
| The General | $46 |
| Mile Auto | $47 |
| USAA | $48 |
| American Family | $51 |
| GEICO | $51 |
| Root | $54 |
| Bristol West | $59 |
| Auto-Owners | $65 |
| Trexis | $70 |
| Mendota | $71 |
| National General | $71 |
| Safeco | $78 |
| Dairyland | $78 |
| Direct Auto | $79 |
| Allstate | $81 |
| Insurify Car | $86 |
| Travelers | $93 |
| Farmers | $95 |
| Liberty Mutual | $117 |
Answers to the frequently asked questions below explain what Boulder car insurance typically covers. When you request a quote, ask about discounts you qualify for, such as bundling your auto insurance with home insurance or renters insurance.
Yes. Although the coverage is optional, Colorado auto insurance policies automatically include uninsured/underinsured motorist coverage. You must decline it in writing if you don’t want it on your policy.
Yes. Colorado policies automatically include $5,000 in medical payments (MedPay) coverage unless you reject it. MedPay helps pay for your medical expenses after a crash, regardless of fault.
It depends. Comprehensive coverage, which is part of a full-coverage policy, typically pays to repair hail damage to your vehicle. Since car insurance companies offer various comprehensive deductibles, find an agent who can explain how your policy covers hail damage.
It depends. If you have a full-coverage policy, comprehensive coverage typically covers wildfire damage to your vehicle. A liability-only policy won’t pay to repair or replace your vehicle after a wildfire, so you’d have to pay out of pocket.
Insurify data scientists analyzed more than 250 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 500+ 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:
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5+ years experience in personal finance writing
Personal finance blogger
Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
15+ years editing experience
7+ years experience in insurance and personal finance editing
NPN: 6642281
Becky has been an editor at Insurify since 2024. She seeks to make insurance more understandable for everyone.
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
