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.
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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:
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.
|Failure to Stop for Red Light / Stop Sign||$271|
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.
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.
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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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.