Cheapest Auto Insurance in Boulder, Colorado (2024)

State Farm offers the cheapest car insurance in Boulder, with minimum-coverage policies as low as $43 per month.

Nick Dauk
Written byNick Dauk
Nick Dauk
Nick Dauk
  • 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.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

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Updated May 29, 2024

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Cheapest recent rates near Boulder, Colorado

Drivers using Insurify have found quotes as cheap as $48/mo for liability only and $104/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 May 28, 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 May 28, 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 May 28, 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 May 28, 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 $134, which is slightly less than the statewide overall average of $150 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 quotes and 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 $82 per month for liability-only coverage and $185 per month for full coverage.

  • Boulder drivers pay a yearly average of $2,218 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.6$99$48Full coverage
USAA4.7$127$61Military families
American Family4.5$136$65Students
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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for full coverage: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$89/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.

Pros
  • Rideshare insurance available

  • Superior financial strength rating from AM Best

Cons
  • Gap insurance not available

  • High rate of customer complaints with the NAIC

Read our State Farm review
Poncho - May 29, 2024
Verified

Poor

They need to reduce their policy prices.

Nevin - May 29, 2024
Verified

Need Better Agents

The relationship with the agent was poor.

Mindy - May 29, 2024
Verified

Brianna is very kind and helpful, she kept me from making a big mistake

Excellent service.

Best insurer for military families: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$114/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

  • No 24/7 live customer service

Read our USAA review
Jacqueline - May 28, 2024
Verified

Experience was fine other than the security issue

The only reason I'm looking for automobile insurance is because USAA canceled my policy on the 24th. I no longer have the phone that is in my profile and they were unable to send the 6-digit code for verification. So, basically, I was and still am locked out of my account. The representatives couldn't discuss my account with me due to strict security.

Joey - May 27, 2024
Verified

Bait and Switch at Its Worst

After receiving a quote of $54 for the first payment, and $40+ per month, Suzi insisted on 'reviewing' the answers I submitted online. She took this opportunity to add coverage I didn't request or want. When she finished, her offer was over $200/month. No thanks, 'Suzi'.

Mary - May 26, 2024
Verified

USAA has been very good, but recently my vehicle insurance premiums have significantly increased. I am struggling financially, so I have been trying to find a less expensive policy.

USAA has been very good, but recently my vehicle insurance premiums have significantly increased. I am struggling financially, so I have been trying to find a less expensive policy.

Best insurer for students: American Family

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840
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.
$58/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.
$122/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.

Pros
  • Teen Safe Driver program

  • Student-specific discounts

Cons
  • Low customer ratings on Trustpilot

  • Low customer ratings on Better Business Bureau

Read our American Family review
Patrick - May 27, 2024
Verified

American Family Insurance is Terrible

They were terrible with our auto insurance. They raised our payments without informing us, and it was impossible to get a hold of anyone when needed.

Virginia - May 20, 2024
Verified

Nobody has topped their premiums.

They are very prompt and pay out fairly when there's a claim.

Carolyn - May 15, 2024
Verified

Very professional and helpful.

I am very satisfied with the service.

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 $82 per month.

Here are the cheapest car insurance companies for liability insurance in Boulder.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm43
USAA55
American Family58
Sun Coast63
GEICO66
Allstate67
Nationwide71
Safeco73
Progressive75
Auto-Owners76
The General80
Midvale Home & Auto85
Root85
Bristol West87
Dairyland93
Foremost104
Direct Auto107
Travelers107
Farmers112
Liberty Mutual127
National General129
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 $185 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm89
USAA114
American Family122
GEICO136
Allstate138
Root140
Nationwide147
Safeco150
Progressive156
Sun Coast156
Auto-Owners158
Midvale Home & Auto158
Liberty Mutual214
Bristol West216
The General223
Travelers223
Dairyland230
Farmers233
Direct Auto237
State Auto237
National General270
Foremost291
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.

How Much Other Insurify Customers Pay in and around Boulder, Colorado

Recent Boulder, Colorado car insurance prices for Drivers using Insurify have found quotes as cheap as $61/mo for liability only and $99/mo for full coverage in Boulder and other Colorado cities. , and more.

*Quotes generated for Insurify users in and around Boulder, Colorado within the last 10 days. Last updated on May 28, 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 May 28, 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 May 28, 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 May 28, 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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance provides protection against events like vandalism, theft, and natural disasters.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance protects you if you hit a stationary object or another vehicle, even if you’re at fault.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments insurance covers medical expenses and funeral costs for you and your passengers.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage pays for your injuries if the driver that hit you doesn’t have sufficient insurance coverage.

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

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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 $122 per month for liability coverage and $274 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm4356
USAA5573
American Family5876
Sun Coast6393
GEICO6687
Allstate6788
Nationwide7195
Safeco7398
Progressive7599
Auto-Owners76101
The General80107
Midvale Home & Auto85116
Root85119
Bristol West87114
Dairyland93124
Foremost104151
Direct Auto107143
Travelers107143
Farmers112147
Liberty Mutual127185
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 $115 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm4357
USAA5573
American Family5876
Sun Coast6389
GEICO6687
Allstate6788
Nationwide7195
Safeco7393
Progressive75101
Auto-Owners76100
The General80108
Midvale Home & Auto85119
Root85119
Bristol West87113
Dairyland93123
Foremost104150
Direct Auto107145
Travelers107142
Farmers112147
Liberty Mutual127183
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 $132 for liability coverage. The cost for a full-coverage policy jumps to $297 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm4371
USAA5590
American Family5895
Sun Coast63101
GEICO66108
Allstate67110
Nationwide71117
Safeco73120
Progressive75123
Auto-Owners76125
The General80131
Midvale Home & Auto85140
Root85140
Bristol West87143
Dairyland93153
Foremost104171
Direct Auto107176
Travelers107176
Farmers112184
Liberty Mutual127209
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 $55 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm6230
USAA8139
American Family8540
GEICO9747
Nationwide9847
Allstate10048
Progressive10048
Root10463
Sun Coast10442
Midvale Home & Auto10758
Safeco10953
Auto-Owners11154
Liberty Mutual15290
Bristol West15663
Travelers15775
Farmers16278
Direct Auto16374
The General16559
Dairyland16667
Foremost20473
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 $148 per month, and full coverage costs $335 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm15173
USAA19092
American Family214102
GEICO215104
Root215131
Allstate242117
Nationwide252122
Auto-Owners273131
Midvale Home & Auto276148
Progressive283136
Sun Coast283114
Safeco314153
The General362130
Bristol West369149
Dairyland387156
Liberty Mutual399237
Travelers402193
Farmers412198
Direct Auto434196
Foremost516185
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 $134, which is less than the statewide average of $150 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.

CityFull CoverageLiability Only
Arvada$193$92
Broomfield$191$87
Colorado Springs$234$91
Fort Collins$167$78
Greeley$191$79
Pueblo$210$81
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.

Boulder car insurance FAQs

Learn about the factors that can affect your car insurance rates while you shop for quotes. You can also check out the answers to common questions about auto insurance coverage in Boulder.

  • How much is car insurance in Boulder?

    The average cost of car insurance in Boulder is Boulder $82 per month for liability only and $185 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 $55 and $58.

    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 $150 per month, but neighboring states like Nevada and California have higher costs of $265 and $202 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.

Sources

  1. Colorado General Assembly. "Mandatory Automobile Insurance in Colorado."
  2. Colorado Department of Transportation. "Excuses to speed don’t exist. Deaths do.."
  3. City of Fort Collins Traffic Operations. "2021 Annual Roadway Safety Report."
  4. Colorado Department of Transportation. "Impaired Driving."
  5. Colorado Department of Transportation. "2021 Problem Identification Report."
  6. Insurance Institute for Highway Safety. "Older drivers."
  7. Federal Bureau of Investigation. "Uniform Crime Report — Colorado."
  8. U.S. Census Bureau. "QuickFacts: Denver County, Colorado; Boulder County, Colorado."
Nick Dauk
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.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 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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