Cheap Auto Insurance Quotes in Broomfield, CO (2021)

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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.

Quotes by Top Carriers
Quotes ($/mo)
$112
$168
$199
$202
$207
State FarmNationwideThe GeneralTravelersAmerican Family
Monthly $

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

Quotes by Top Carriers
Quotes ($/mo)
$197
$216
$215
$228
$142
$186
ColoradoDenverColorado SpringsAuroraFort CollinsBroomfield
Monthly $

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Broomfield, CO Driving Facts

colorado

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

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.

Driving History
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.

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.

Find local Broomfield agents

Your Insurance Specialists, Inc.
390 Interlocken Cresent 350, Broomfield, CO 80020
Aspen Gold Insurance Brokers
11001 W 120th Ave, Broomfield, CO 80021
Nick Harte Insurance Agency Inc
8181 Arista Pl, Broomfield, CO 80021
Kyle Insurance Group LLC
12995 Sheridan Blvd. #204, Broomfield, CO 80020
Direct Insurance Services LLC
42 Garden Center, Broomfield, CO 80020
Secure American Insurance Inc
26 Garden Center Suite 2, Broomfield, CO 80020
Sean Hiller: Allstate Insurance
555 US-287 Ste A, Broomfield, CO 80020
Flatirons Insurance Group
8181 Arista Pl Suite #100, Broomfield, CO 80021
Tim Andrews Agency, Inc. American Family Insurance
7050 W 120th Ave, Broomfield, CO 80020
Farmers Insurance - Tim Stuber
12995 Sheridan Boulevard Ste 102, Broomfield, CO 80020

Insurify Insights: How Broomfield Drivers Measure Up

jeep
Jeep Grand Cherokee
Most Popular Car in
Broomfield, CO
suspended licenses
#27
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Broomfield drivers measure up to their fellow Colorado motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Broomfield

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Broomfield drivers rank 5 in the number of car accidents per driver across all cities in Colorado.

  • Rank within state: #5
  • Percent of drivers in Broomfield with an accident: 12.78%
  • Drivers in Broomfield, CO with an accident in their driving history paid on average 41.79% more than drivers with a clean record

Speeding Broomfield

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Colorado, Broomfield drivers rank 17 in the number of speeding infractions per driver.

  • Rank within state: #17
  • Percent of drivers in Broomfield with a speeding ticket: 12.25%
  • Drivers in Broomfield, CO with a speeding ticket in their driving history paid on average 23.88% more than drivers with a clean record

DUI/DWIs Broomfield

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Broomfield drivers rank 9 in the number of DUI’s per driver across all cities in Colorado.

  • Rank within state: #9
  • Percent of drivers in Broomfield with a DUI: 3.06%
  • Drivers in Broomfield, CO with a DUI in their driving history paid on average 16.42% more than drivers with a clean record

Most Popular Vehicle Broomfield

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Broomfield is the Jeep Grand Cherokee.

Rude Broomfield

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Colorado, Broomfield drivers rank 1 in rude driving infractions.

  • Rank within state: #1
  • Percent of drivers in Broomfield with a reckless driving violation: 4.39%
  • Drivers in Broomfield, CO with a reckless driving violation in their driving history paid on average 44.78% more than drivers with a clean record.

Safest Drivers Broomfield

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Broomfield drivers rank 12 in clean driving records across all cities in Colorado.

  • Rank within state: #12
  • Percent of drivers in Broomfield with clean record: 73.77%

Failure to Yield the Right of Way Broomfield

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Broomfield drivers rank 5 in failure to yield violations per driver across all cities in Colorado.

  • Rank within state: #5
  • Percent of drivers in Broomfield with a failure to yield violation: 0.67%
  • Drivers in Broomfield, CO with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Broomfield

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Colorado, Broomfield drivers rank 3 in the number of reckless driving offenses per driver.

  • Rank within state: #3
  • Percent of drivers in Broomfield with a reckless driving offense: 0.4%

Hybrid/Electric Vehicle Ownership Broomfield

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Broomfield drivers rank 7 in hybrid and electric vehicle ownership across all cities in Colorado.

  • Rank within state: #7
  • Percent of drivers in Broomfield with a hybrid/electric vehicle: 1.68%

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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.