Cheap Auto Insurance Quotes in Broomfield, CO (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

A suburb of both Denver and Boulder, Broomfield is home to roughly 70,000 people and offers a small-town feel with many big-city amenities. Driving here is fairly straightforward; city streets are organized in a grid fashion, and the area takes on a bit of a sprawling nature. Although Broomfield is flat, making it a bit easier to navigate, winter weather can pose a challenge if you aren’t prepared. Residents should make sure they have proper car insurance coverage before they get behind the wheel, even if they don’t drive much here.

Car Insurance in Broomfield, CO

The average cost of Colorado car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Broomfield, CO to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Broomfield, CO

Here are the cheapest carriers in Broomfield for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Broomfield, CO

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Broomfield. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Broomfield, CO Driving Facts

Minimum Car Insurance Requirements in CO

Studies on the relationship between driver behavior and increasingly lax state laws on marijuana in Colorado have led to inconclusive results; however, marijuana-impaired highway deaths are reportedly in decline.

Colorado's minimum liability car insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident
colorado

Broomfield Car Insurance Rates by Driver Age

It will be tough for even the most hardworking teens to afford a $509 monthly car insurance payment. In Broomfield, a greater number of years behind the wheel leads to lower insurance costs. That’s why twentysomethings see a $200 price cut compared to teens’ premium. From then on, except for those in their 40s and 50s, everyone pays less than the state average of $312 per month. Those in their 80s get the best deal, with a premium that’s over $350 cheaper than what the youngest drivers shell out.

Driver's AgeAvg. Monthly Cost
teens$510
20s$286
30s$222
40s$303
50s$364
60s$243
70s$192
80s$153
Driving HistoryAvg. Monthly Cost
No Violation$256
Speeding Ticket$312
At-Fault Accident$337
Failure to Stop for Red Light / Stop Sign$271

Broomfield Car Insurance Rates by Driving and Accident History

Coloradans know that safe driving is smart driving. Insurance companies agree with the idea and reward the safest folks on the road with “good driver” and “accident-free” discounts. But the deals can quickly go away if a driver’s late morning results in a speeding ticket. Worse still, an at-fault accident pushes the rate up by $80 per month, or $960 per year. But it’s not all sad news because three years of careful driving restore a person’s record back to clean.

Broomfield Car Insurance Rates by Credit Tier

In the Centennial State, drivers have long tried to figure out just how credit affects their car insurance. The law allows insurance companies to use credit when setting rates. Typically, people with the best credit pay the least. Why do those with average credit pay less than those with good credit? People with better credit might finance costlier cars and get more coverage to protect their assets. Either way, moving from poor to excellent credit saves $45 per month, or $540 per year.

Credit TieAvg. Monthly Cost
Excellent$253
Good$279
Average$269
Poor$298

Broomfield, CO DMV Information

Motorists who need to access DMV services in the Broomfield area will likely be pleasantly surprised, as the Broomfield Motor Vehicle Department is said to be the least stressful location around. Open Monday through Friday from 8 a.m. to 5 p.m., it’s easy to get in and complete your tasks without having to wait very long. Various additional Drivers License Offices are scattered throughout the city as well, helping drivers to renew their licenses with ease.

Public Transportation in Broomfield, CO

The city of Broomfield is growing rapidly, and officials are well aware of the need to improve public transportation systems. At this time, there’s a bus system that runs in conjunction with the Denver system and serves much of the Broomfield area. Some errands can be achieved by walking or biking, and using a rideshare service like Uber or Lyft is a great option during cold winter months.

Conclusion: How to get the best and cheapest car insurance in Broomfield, CO

As both Boulder and Denver become more populated, it’s only natural for an overflow of drivers to be found on the streets of Broomfield. For now, however, traveling around the city is a fairly easy experience. It’s advised that motorists here become familiar with driving in winter weather, as accidents during this time of the year can happen easily.

Shopping for new car insurance doesn’t have to be difficult with Insurify. You’ll be able to compare quotes from multiple car insurance companies at once. Insurify helps you discover discounts, and you can even enroll in a new policy online, saving you both time and money.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Broomfield stacks up for the state of Colorado:

honda
Honda Accord
Most Popular Car in
Broomfield, CO
suspended licenses
#19
Cities with Most
Suspended Licenses Rank

FAQs - Broomfield, CO Car Insurance

Is car insurance in Broomfield cheaper than in other parts of the country?

On average, residents of this city pay slightly more than the national average. Your individual insurance premium will be based on a number of factors, including your driving history, the type of vehicle you operate, and more.

Can I get in trouble for driving in Broomfield without auto insurance?

Unlike in many other states, if you’re found operating a vehicle without insurance coverage in Colorado, you won’t have to face any jail time. However, you do need to pay a $500 fine and will have your license suspended until you can prove that you have proof of coverage.

What type of car insurance is required in Broomfield?

To comply with Colorado law, you must purchase at least $25,000 for bodily injury and $15,000 for property damage protection. Additional types of insurance are available should you find that your driving habits require more coverage.