6+ years writing about insurance, travel, and personal finances
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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.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Cheapest recent rates near Boulder, Colorado
Recent Boulder, Colorado car insurance prices for Chevrolet , and more.
*Quotes generated for Insurify users in and around Boulder, Colorado within the last 10 days. Last updated on July 25, 2024
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 July 25, 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 July 25, 2024
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 July 25, 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.
Boulder’s overall average monthly car insurance cost is $137, which is slightly less than the statewide overall average of $154 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 $86 per month for liability-only coverage and $189 per month for full coverage.
Boulder drivers pay a yearly average of $2,268 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
$101
$48
Full coverage
USAA
9.4
$130
$61
Military families
American Family
9.1
$139
$66
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 28,000 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.
$43/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.
$90/mo
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.
The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.
Matthew - July 25, 2024
Verified
Abandoned by State Farm
It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.
Janet - July 25, 2024
Verified
Too High
I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.
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.
$54/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.
$116/mo
With seven U.S. military bases located near Boulder, USAA may be a great option for military drivers searching for cheap car insurance with unique perks. Only active or retired military members, 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 military members and veterans
A few years ago, a minor male bicyclist collided with my car, which my wife was driving at the time. She was leaving a large intersection with a green light when the bicyclist, who was riding in a pedestrian lane, appeared from behind a stopped box truck that obscured his approach. The local police department in Belmont, MA, was called and the Traffic Control Officer wrote up the accident report, clearing my wife of any responsibility. I forwarded this report to USAA. However, when I applied for increased motor vehicle insurance coverage about a year later, I was denied. USAA cited the accident with the bicyclist as a chargeable accident against my wife, despite the police report, and they had never informed us about this. I was never able to resolve this issue. Another incident occurred on December 14, 2023. I wired $60,000 to USAA for a 7-month CD and received a receipt acknowledgment. However, on the same day, the deposit was withdrawn without any direct notice to me, except for a normal monthly bank statement reflecting the withdrawal without any explanation in mid-January. It took about 9 days for USAA to resolve the issue and return the $60,000. This was a very stressful 9 days for me, and I never received an apology or explanation. Trying to reach someone with authority through numerous phone calls was literally impossible. It took a two-page business letter with 7 enclosures to get the CEO's right-hand woman to take action and return the $60,000 to my credit union. As for insurance rates, we own, register, and insure two cars that are driven about 10 miles per week on average, sometimes 100 miles on a Saturday to visit our daughter. However, it seems that we do not receive any discount for this.
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.
$59/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.
$124/mo
As the home of one of the University of Colorado’s campuses, 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.
Outstanding customer service, but the rates are high.
Kathy - July 22, 2024
Verified
My American Family Experience
It's been wonderful. However, the premiums have become too high. I would have stayed if not for this. I had been with them for over 20 years.
Shannon - July 15, 2024
Verified
Needs Better Office Management
The agent I was assigned to, after my previous agent left, lacked professionalism and bedside manners. However, the corporate office was great to work with.
…
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 $43 per month
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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 $86 per month.
Here are the cheapest car insurance companies for liability insurance in Boulder.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
$43
USAA
$54
American Family
$59
Sun Coast
$63
GEICO
$65
Allstate
$66
Nationwide
$70
Progressive
$74
Auto-Owners
$76
The General
$79
Safeco
$83
Root
$84
Bristol West
$85
Dairyland
$92
Midvale Home & Auto
$93
Foremost
$105
Travelers
$106
Direct Auto
$107
Farmers
$111
National General
$129
Liberty Mutual
$135
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 an insurance company 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 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 $189 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
$90
USAA
$116
American Family
$124
GEICO
$138
Allstate
$140
Root
$148
Nationwide
$149
Sun Coast
$154
Midvale Home & Auto
$157
Progressive
$157
Safeco
$159
Auto-Owners
$160
Bristol West
$214
The General
$221
Liberty Mutual
$226
Travelers
$226
Dairyland
$230
Farmers
$237
Direct Auto
$246
National General
$252
State Auto
$255
Foremost
$301
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
Recent Boulder, Colorado car insurance prices for Chevrolet , and more.
*Quotes generated for Insurify users in and around Boulder, Colorado within the last 10 days. Last updated on July 25, 2024
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 July 25, 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 July 25, 2024
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 July 25, 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 events like vandalism, theft, and natural disasters.
Collision coverage
Collision insurance protects you if you hit a stationary object or another vehicle, even if you’re at fault.
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 $53 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 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 $280 per month for full coverage.
If you need cheaper rates after getting a speeding ticket, check out the table below for the cheapest insurers in Boulder for drivers with this incident.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
State Farm
$43
$57
USAA
$54
$71
American Family
$59
$78
Sun Coast
$63
$93
GEICO
$65
$86
Allstate
$66
$87
Nationwide
$70
$94
Progressive
$74
$98
Auto-Owners
$76
$101
The General
$79
$106
Safeco
$83
$112
Root
$84
$118
Bristol West
$85
$112
Dairyland
$92
$123
Midvale Home & Auto
$93
$128
Foremost
$105
$152
Travelers
$106
$142
Direct Auto
$107
$142
Farmers
$111
$146
National General
$129
$171
Liberty Mutual
$135
$196
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 fewer traffic fatalities between 2017 and 2021 compared to other Colorado cities, but you should still practice defensive driving.[3] 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 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
State Farm
$43
$57
USAA
$54
$72
American Family
$59
$79
Sun Coast
$63
$90
GEICO
$65
$87
Allstate
$66
$88
Nationwide
$70
$94
Progressive
$74
$100
Auto-Owners
$76
$101
The General
$79
$108
Safeco
$83
$108
Root
$84
$119
Bristol West
$85
$112
Dairyland
$92
$123
Midvale Home & Auto
$93
$132
Foremost
$105
$153
Travelers
$106
$143
Direct Auto
$107
$146
Farmers
$111
$147
National General
$129
$174
Liberty Mutual
$135
$197
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.[4] A DUI is a serious offense, 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 $140 for liability coverage. The cost for a full-coverage policy jumps to $307 per month.
The table below shows the cheapest auto insurers for drivers with a DUI in Boulder.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
State Farm
$43
$71
USAA
$54
$89
American Family
$59
$98
Sun Coast
$63
$102
GEICO
$65
$108
Allstate
$66
$109
Nationwide
$70
$116
Progressive
$74
$122
Auto-Owners
$76
$126
The General
$79
$131
Safeco
$83
$137
Root
$84
$139
Bristol West
$85
$141
Dairyland
$92
$152
Midvale Home & Auto
$93
$154
Foremost
$105
$174
Travelers
$106
$175
Direct Auto
$107
$177
Farmers
$111
$184
National General
$129
$214
Liberty Mutual
$135
$223
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.[5] Boulder drivers should anticipate a rate increase as they reach age 70, even if they’ve seen a rate decrease since they turned 35. This is because older adults have an increased risk of accidents due to problems with vision, mobility, and medication use.[6]
Senior drivers in Boulder pay $59 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
State Farm
$64
$30
USAA
$84
$39
American Family
$88
$42
GEICO
$100
$47
Nationwide
$101
$47
Progressive
$101
$48
Allstate
$103
$48
Sun Coast
$105
$43
Midvale Home & Auto
$109
$65
Root
$112
$63
Auto-Owners
$114
$54
Safeco
$119
$62
Bristol West
$156
$62
Travelers
$161
$76
The General
$164
$59
Liberty Mutual
$166
$99
Dairyland
$167
$67
Farmers
$168
$79
Direct Auto
$173
$75
National General
$179
$92
Foremost
$214
$75
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.[5] 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, and increased distractions.
Liability-only insurance for teens in Boulder costs $157 per month, and full coverage costs $345 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. You can see average rates for teen drivers in Boulder in the table below.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
State Farm
$154
$74
USAA
$195
$91
American Family
$219
$104
GEICO
$220
$104
Root
$229
$130
Allstate
$248
$117
Nationwide
$258
$121
Midvale Home & Auto
$274
$162
Auto-Owners
$277
$132
Sun Coast
$281
$115
Progressive
$286
$135
Safeco
$332
$173
The General
$361
$129
Bristol West
$368
$146
Dairyland
$388
$155
Travelers
$411
$193
Liberty Mutual
$419
$250
Farmers
$421
$197
Direct Auto
$452
$197
National General
$491
$251
Foremost
$540
$188
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.
Compare Auto Insurance in Boulder
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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 $137, which is less than the statewide average of $154 and the national average of $160.
Car insurance costs can vary between Colorado cities, mainly due to crash rates, traffic density, theft 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.[7]
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 Boulder $86 per month for liability only and $189 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 rates as low as $43. USAA and American Family also offer affordable coverage, with respective monthly liability rates of $54 and $59.
But the cheapest insurer for you will depend on many 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 stability 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 $154 per month, but neighboring states like Nevada and California have higher costs of $273 and $212 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 2019 than other cities with similar population sizes.[7] And Boulder County has about half the population of Denver County, which can keep insurance costs comparatively cheaper.[8]
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.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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