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Cheapest Auto Insurance in Broomfield, Colorado (2026)

State Farm offers the cheapest car insurance in Broomfield, with minimum-coverage policies as low as $68 per month.

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Progressive LogoAllstate LogoLiberty Mutual LogoUSAA LogoThe General LogoBristol West Logo120+ more

Cheapest recent rates near Broomfield, Colorado

Drivers in and around Broomfield, Colorado have found policies from Insurify Car, Farmers, Dairyland, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Broomfield, Colorado within the last 10 days. Last updated on February 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 February 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Broomfield, Colorado within the last 10 days. Last updated on February 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 February 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
A.M. Steinbach
Written byA.M. Steinbach
A.M. Steinbach
A.M. SteinbachFreelance Personal Finance Writer
  • Full-time writer for 5+ years

  • Two-time Emmy Award nominee

A Harvard graduate, Mark has worked as a freelance personal finance and tech writer. He’s also written for Saturday Night Live.

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Katie Powers
Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
  • Licensed auto and home insurance agent

  • 4+ years experience in insurance and personal finance editing

  • NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Drivers in Broomfield pay an average of $159 per month for car insurance, which is a bit lower than the national average of $136 and the Colorado state average of $140.

Located between Boulder and Denver, Broomfield has a smaller population than its urban counterparts, which may account for its lower frequency of traffic accidents and cheaper average insurance rates.

Here’s what you need to know about comparing quotes and finding cheap car insurance in Broomfield.

Quick Facts
  • State Farm, Sun Coast, and Mile Auto have the cheapest liability insurance in Broomfield.

  • Broomfield drivers pay $97 per month for liability insurance and $221 for full-coverage insurance, on average.

  • Insurance companies in Colorado can consider your credit-based insurance score when determining your car insurance premium.[1]

3 of the cheapest car insurance companies in Broomfield

The best auto insurer for you will depend on your budget, insurance needs, and driver profile. Beyond comparing costs between companies, you should also pay attention to customer satisfaction, online customer reviews, coverage offerings, discount availability, and more.

Start your search for cheap car insurance with three of the best car insurance companies in Broomfield. The average rates provided below reflect statewide insurance costs in Colorado.

Insurance Company
sort ascsort desc
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.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best for
sort ascsort desc
State Farm9.3$120$59Cheap rates
USAA9.1$154$77Military families
American Family9.3$165$82Teen drivers
Disclaimer: Table data sourced from real-time Broomfield car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Broomfield 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.

Best insurer for cheap rates: State Farm

User Reviews
4.0
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.
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.
$68/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.
$139/mo
4.0
Best choiceBased on 15,323 verified driver reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

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

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (7,088)
Lois
Verified Review
Discriminated Against Because of My Age
Reviewed in Kentucky on February 23, 2026
Overpriced. I don’t drive 500 miles a year, but I'm paying more now than I did when I had Farm Bureau before I switched to State Farm for the same truck. I have been driving for 61 years and not even a parking ticket.
Begona
Verified Review
State Farm plays with numbers!
Reviewed in Florida on February 23, 2026
State Farm raised my payment in May 2025 to $352.30, June $352.30, July $355.42, August $355.42, September $355.43, October $467.60, November $495.20, December $495.20, January $464.27, February $468.58. This should be illegal; no notice in the mail. They are just playing with numbers, and I’m over it. That’s how I feel! This is crazy! Can State Farm do this? Tips to my friends: stay away.
Joanna
Verified Review
Long time customer
Reviewed in Pennsylvania on February 23, 2026
Dependable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
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

State Farm offers some of the cheapest car insurance rates in Broomfield, but drivers can save even more with the company’s available discounts. You can qualify for discounts by driving safely, earning good grades, and bundling multiple policies. Customers can also take advantage of State Farm’s Drive Safe & Save telematics program.

Pros
  • Customizable coverage options

  • High customer satisfaction ranking in J.D. Power’s 2023 U.S. Insurance Shopping Study

Cons
  • Doesn’t offer gap insurance

  • Some negative customer reviews online

Best insurer for military families: USAA

User Reviews
4.9
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.
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.
$89/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.
$178/mo
4.9
Best choiceBased on 3,024 verified driver reviews and ratings
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

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

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,461)
Vincent
Verified Review
Best Insurance Company
Reviewed in Massachusetts on February 23, 2026
Excellent, has been for 60 years.
Paul
Verified Review
Paul G
Reviewed in Georgia on February 23, 2026
Response to incidents is great. Prices continue to rise, making people look for alternatives.
Paul
Verified Review
Discount Restrictions
Reviewed in Texas on February 22, 2026
I have two cars. The discount for not using a phone is good, but both cars must meet minimum mileage before the discount can be applied.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
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

Home to nearly 4,000 veterans, Broomfield is within a 90-minute drive of the Air Force Academy and Buckley Air Force Base.[2] Active service members, veterans, and their families can find affordable, highly rated insurance from USAA.

Drivers who store their car on a military base can save up to 15% on auto insurance premiums. Additionally, safe-driving discounts like USAA’s SafePilot program help drivers save even more.

Pros
  • Drivers can save with the SafePilot program

  • Military-specific discounts

Cons
  • Only available to active service members, veterans, and their families

  • Rideshare coverage not available

Best insurer for teen drivers: American Family

User Reviews
4.5
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.
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.
$95/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.
$191/mo
4.5
Best choiceBased on 573 verified driver reviews and ratings
How drivers feel about American Family

Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.

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 fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (260)
Hans
Verified Review
Out of Control Insurance Policies
Reviewed in California on February 20, 2026
They raise rates for no reason, no claims, no accidents, it doesn't make sense.
Ella
Verified Review
Excellent
Reviewed in Illinois on February 9, 2026
Priced too high for my car.
Ginger
Verified Review
Overcharged for Good Driver
Reviewed in South Carolina on February 4, 2026
The rates are ridiculously high. I have 2 speeding tickets (in speed traps over 2 years) and NO accidents EVER. I drive under 5000 miles a year and have a safe driving certificate, with over 60 years of driving experience. There's no need for a 6-month policy costing $822. Outrageous!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47
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

Of the nearly 76,000 people living in Broomfield, more than one in five are teenagers. Drivers younger than 25 — particularly teens — face the highest car insurance rates.

Fortunately, American Family offers discounts to good students, drivers younger than 25 who volunteer more than 40 hours a year, students away at school, and children of existing American Family customers.

Pros
  • Several available discounts

  • Above-average ranking in J.D. Power’s 2023 U.S. Insurance Shopping Study

Cons
  • Mobile app experience could improve

  • Higher rates than some insurers in Broomfield

How to get the cheapest car insurance in Broomfield

Though average car insurance premiums are below average in Broomfield, you can still find ways to save. Use the following strategies to save even more:

  • Raise your deductible. Choosing a higher deductible is a good idea if you can afford to pay it in the event of an accident. Increasing your deductible will decrease your monthly premiums.

  • Take advantage of discounts. Many auto insurance companies offer discounts for teens, safe drivers, and policyholders who bundle their car insurance with homeowners insurance, renters insurance, or life insurance. Talk to your insurance agent to see what you qualify for.

  • Choose the right vehicle. A sedan with a strong safety record is typically cheaper to insure than a flashy sports car. Consider a vehicle’s safety features and reliability carefully before purchasing it.

  • Shop around and compare quotes. Accessing quotes from multiple car insurance companies and comparing them side by side can help you find an auto policy that fits your budget.[3]

Find Cheap Car Insurance in Broomfield

Liability quotes start at $68 per month

Excellent
4.7 out of 5 based on 12,065 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Broomfield: State Farm

When you cause an accident, liability-only insurance covers the other driver’s resulting medical bills and vehicle repair costs. Liability insurance doesn’t cover your own repairs or injuries.[4] Liability-only insurance in Broomfield costs $97 per month, on average.

Explore the table below to see which car insurance companies in Broomfield offer the lowest average rates for liability-only insurance.

The below rates in Broomfield, CO, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST. 
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$68
Sun Coast$81
Mile Auto$89
USAA$89
The General$90
Root$91
Progressive$95
American Family$95
Bristol West$101
GEICO$105
Allstate$106
Nationwide$113
Auto-Owners$123
Safeco$134
National General$142
Dairyland$149
Direct Auto$149
Travelers$172
Farmers$181
Liberty Mutual$240
Disclaimer: Table data sourced from real-time Broomfield car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Broomfield may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Broomfield: State Farm

Full-coverage insurance is more robust than liability-only insurance. After an accident, a full-coverage policy covers the other driver’s repairs and medical expenses, as well as repairs to your own vehicle.

Drivers of newer, more expensive cars can often particularly benefit from full coverage. If you have an auto loan or lease, your lender will likely require you to purchase this type of policy.

The average cost of full-coverage car insurance in Broomfield is $221 per month. Here are the cheapest car insurance companies for full-coverage insurance in the city.

The below rates in Broomfield, CO, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST. 
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$139
USAA$178
Root$183
American Family$191
Progressive$205
Mile Auto$209
GEICO$212
Allstate$214
Bristol West$223
The General$227
Nationwide$229
Safeco$237
Sun Coast$245
Auto-Owners$246
Direct Auto$303
National General$303
Travelers$348
Liberty Mutual$356
Farmers$363
Dairyland$381
Disclaimer: Table data sourced from real-time Broomfield car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Broomfield may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Broomfield, Colorado

Drivers in and around Broomfield, Colorado have found policies from Liberty Mutual, The General, National General, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Broomfield, Colorado within the last 10 days. Last updated on February 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 February 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Broomfield, Colorado within the last 10 days. Last updated on February 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 February 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Colorado

Colorado drivers must carry a minimum amount of liability insurance, including bodily injury and property damage liability insurance. Colorado is an at-fault state, which means the driver who causes an accident must cover the other party’s damage and injury through their liability insurance policy.

Here are the specific coverage amounts drivers in the state must purchase:[5]

Coverage
sort ascsort desc
Minimum Requirements
sort ascsort desc
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$15,000 per accident

Because liability insurance doesn’t cover your own vehicle, you should consider purchasing additional coverage. Here are some of the most common optional insurance products for you to consider:

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

    Collision coverage

    If you cause an accident, collision insurance can pay for repairs to your vehicle regardless of fault.

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

    Comprehensive coverage

    In the event of vehicle damage following a non-collision event like severe weather, theft, or vandalism, comprehensive insurance kicks in to cover repairs to your vehicle.

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

    Uninsured/underinsured motorist coverage

    If another driver without sufficient insurance causes an accident, uninsured/underinsured motorist coverage pays for your vehicle repairs and medical bills.

Cheapest car insurance for drivers with an incident

Having incidents like speeding tickets, driving under the influence (DUI) charges, or at-fault accidents on your record can result in higher car insurance rates. These incidents cause car insurance companies to view you as a higher-risk driver. To offset these risks, insurers charge higher monthly premiums.

Broomfield drivers with a past incident pay $114 per month for liability insurance, on average. The severity and frequency of your incidents will affect how much you pay for coverage.

Here are the cheapest coverage options in Broomfield for drivers with incidents on their records, broken down by incident.

The below rates in Broomfield, CO, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST. 
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
With At-Fault Accident
sort ascsort desc
With DUI
sort ascsort desc
State Farm$68$88$89$97
Sun Coast$81$105$105$114
Mile Auto$89$111$119$128
USAA$89$117$118$128
The General$90$122$123$129
Root$91$123$120$132
Progressive$95$124$124$133
American Family$95$126$126$136
Bristol West$101$129$132$145
GEICO$105$140$135$150
Allstate$106$140$141$152
Nationwide$113$149$150$162
Auto-Owners$123$163$161$176
Safeco$134$180$186$206
National General$142$180$187$203
Dairyland$149$188$194$213
Direct Auto$149$190$202$213
Travelers$172$227$229$246
Farmers$181$236$239$259
Liberty Mutual$240$311$317$344
Disclaimer: Table data sourced from real-time Broomfield car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Broomfield may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Your age is one of the most significant rating factors car insurance companies use to determine your rates.

Young drivers pay the highest average rates. Teen drivers have less driving experience and a higher frequency of serious car accidents, which is why they have higher rates. Average rates tend to decrease steadily for drivers between ages 35 and 70, before increasing again for drivers 70 and older due to aging-related risk factors.

The following table breaks down average monthly quotes in Broomfield by age.

Age
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Teens$326
20s$226
30s$171
40s$157
50s$132
60s$116
70s$122
Disclaimer: Table data is based on real-time Broomfield quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Shop for Car Insurance in Broomfield, CO

Insurify partners with 120+ top insurers for real-time quotes

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4.7 out of 5 based on 12,065 reviews
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Broomfield car insurance quotes by credit tier

Car insurance companies in Colorado can factor in credit-based insurance scores when determining your car insurance rates. Drivers with excellent or good credit scores pay lower average rates than drivers with poor credit scores. Insurers see drivers with good credit as more likely to pay premiums on time, resulting in lower rates.

The chart below shows average full-coverage insurance rates by credit tier in Broomfield:

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.

Broomfield car insurance FAQs

Before you start shopping around for car insurance quotes, you should determine the right amount of coverage for your insurance needs. The following information should help you navigate finding car insurance in Broomfield.

  • How much is car insurance in Broomfield?

    The overall cost of car insurance in Broomfield is $159 per month. Drivers in Broomfield pay an average of $97 per month for liability insurance and $221 for full-coverage insurance. Ultimately, your car insurance premium will depend on your driving record, age, credit history, ZIP code, and more.

  • Which companies have the cheapest car insurance in Broomfield?

    The cost of liability car insurance in Broomfield from State Farm is $68, making it the cheapest insurer in Broomfield. Sun Coast and Mile Auto also have affordable car insurance, with respective liability insurance rates of $81 and $89 per month.

    The best way to find cheap coverage is to compare quotes from multiple insurers at once.

  • What are the best car insurance companies in Broomfield?

    State Farm is the best car insurance company in Broomfield, thanks to an AM Best financial strength rating of A++ (Superior), an Insurify Quality (IQ) Score of 9.3 out of 5, and cheap rates. Colorado drivers with coverage from State Farm pay $59 per month for liability insurance and $120 for full-coverage insurance.

    Other top insurers include USAA and American Family.

Methodology

Insurify data scientists analyzed more than 190 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:

  • 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. Rocky Mountain Insurance Information Association. "Colorado’s Insurance Scoring Law."
  2. United States Census Bureau. "QuickFacts Broomfield city, Colorado."
  3. Insurance Information Institute. "How to save money on car insurance."
  4. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  5. Colorado General Assembly. "Mandatory Automobile Insurance in Colorado."
A.M. Steinbach
Written byA.M. SteinbachFreelance Personal Finance Writer
A.M. Steinbach
A.M. SteinbachFreelance Personal Finance Writer
  • Full-time writer for 5+ years

  • Two-time Emmy Award nominee

A Harvard graduate, Mark has worked as a freelance personal finance and tech writer. He’s also written for Saturday Night Live.

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A Harvard graduate, Mark has worked as a freelance personal finance and tech writer. He’s also written for Saturday Night Live.

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Katie Powers
Edited byKatie PowersLicensed P&C Agent, Senior Insurance Editor
Photo of an Insurify author
Katie PowersLicensed P&C Agent, Senior Insurance Editor
  • Licensed auto and home insurance agent

  • 4+ years experience in insurance and personal finance editing

  • NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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