Car Insurance for High-Risk Drivers in Colorado (2026)

State Farm, USAA, and The General offer some of the best car insurance for high-risk drivers in Colorado.

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Cheapest recent rates in Colorado for drivers with a traffic citation

Drivers in and around Colorado have found policies from The General, Bristol West, Root, and more, through Insurify in the last few days.

*Quotes generated for Insurify users from Colorado within the last 10 days. Last updated on September 10, 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 September 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Colorado within the last 10 days. Last updated on September 10, 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 September 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Emily Guy Birken
Emily Guy BirkenInsurance and Personal Finance Writer
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  • Over 12 years writing about insurance and personal finance

Emily is a Plutus Award-winning freelance writer and former educator who makes complex financial topics easy to understand. She specializes in the science behind money habits and has written for outlets like The Huffington Post, Business Insider, and The Washington Post.

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David Marlett
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  • 25 years teaching risk management and insurance course

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David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.

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If you have a speeding ticket, at-fault accident, or DUI on your driving record, Colorado car insurance companies are more likely to consider you a high-risk driver. Car insurance for high-risk drivers in Colorado costs an average of $189 per month, though drivers with clean records typically pay an average of $157.

High-risk drivers are statistically more likely to file insurance claims, which is why insurers charge them higher premiums on average. But Colorado high-risk drivers still have ways to find affordable car insurance premiums.

Here’s what you need to know about finding high-risk car insurance in Colorado.

Quick Facts
  • If you receive 12 points on your Colorado driver’s license within 12 months, the state may suspend your license for up to one year.[1]

  • Colorado may require drivers to file an SR-22 form when reinstating a suspended license.[2]

  • Drivers with a DUI in Colorado may have to install an ignition interlock device in their vehicle as a condition of reinstating their license.

Who is a high-risk driver in Colorado?

Colorado uses a points system for driving records. When you receive a conviction for a traffic violation in Colorado, the state will assign points to your license. The state assigns higher points for the riskiest behavior on the road, such as reckless driving or going more than 40 mph above the speed limit. Adult drivers who receive 12 or more points within 12 months or 18 or more points within 24 months will have their license suspended for a maximum of one year.[1]

Auto insurance companies in Colorado generally consider you high risk if you have a lot of points on your driving record, even if you don’t meet the suspension threshold, or if you quickly receive points from several separate incidents.

Find Cheap Car Insurance in Colorado

Liability rates start at $67 per month for drivers with an incident

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Best Colorado auto insurance companies for high-risk drivers

The cost of high-risk car insurance varies depending on the specific traffic violations on your driving record. Comparing auto insurance quotes from multiple companies is the best way to find cheap car insurance for your situation.

Start your search below with three of the best car insurance companies for high-risk drivers in Colorado.

State Farm: Best for affordable rates

User Reviews
4.1
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.
$54/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.
$124/mo
Details
4.1
Best choice in ColoradoBased on 20,990 verified driver reviews and ratings
State Farm's score
Industry average
Coverage options4.13.2
Customer service4.43.6
Discounts3.92.9
Policy transparency3.93.1
Value3.72.9
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.

Based on analysis of verified reviews collected by Insurify

Best in Colorado for
Customer service
Competitive rates
Discounts for safe drivers
Showing 36 reviews from Colorado driversSee all 8,092 State Farm reviews
Jeff
Verified Review
Good
Expensive, even with no accidents or tickets.
Nita
Verified Review
Always Available to Help You!
I’ve never had a problem with them.
Celedta
Verified Review
Good
It’s good, just a little expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646
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 lowest average rates for high-risk auto insurance in Colorado. The average insurance rate for a high-risk driver is higher than rates for drivers with clean records, but State Farm offers discounts to help you afford your insurance premiums.

State Farm also encourages better driving behavior with an accident-free discount and a discount for keeping your driving record free of accidents and traffic violations for three years.

Pros
  • Above-average J.D. Power customer claims and satisfaction ratings

  • Multiple discounts available

  • Easily customizable policies

Cons
  • Not all drivers with incidents may qualify for coverage

  • Accident forgiveness coverage not available

  • Must get insurance through an agent

USAA: Best for military members

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.
$70/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.
$159/mo
Details
4.9
Best choice in ColoradoBased on 4,273 verified driver reviews and ratings
USAA's score
Industry average
Coverage options4.93.2
Customer service4.93.6
Discounts4.92.9
Policy transparency4.93.1
Value4.92.9
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.

Based on analysis of verified reviews collected by Insurify

Best in Colorado for
Members of the military community
Outstanding customer service
Competitive rates
Showing 15 reviews from Colorado driversSee all 1,686 USAA reviews
Anthony
Verified Review
Going to Switch After I Pay Off My Car
They keep raising the premium and have too much control over my driving—harsh braking alerts and no phone use, even though I have Bluetooth.
James
Verified Review
Usually disappointing
They claim to support veterans, but their prices are steep. I've experienced rate increases without explanation, despite having no tickets or moving violations.
Matt
Verified Review
Insurance Overpriced
Overpriced, but that seems to be the trend. Customer service is good.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
733
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

Nearly 350,000 military veterans and more than 137,000 active-duty service members, National Guard members, and their families live in Colorado. USAA provides affordable insurance to veterans, military members, and their qualifying family members, making it the best car insurance option for high-risk drivers in Colorado affiliated with the military.

Pros
  • Excellent J.D. Power customer and claims satisfaction ratings

  • Access to banking and investment products

  • Savings of up to 30% with SafePilot program

Cons
  • Gap insurance not available

  • Available only to military members, veterans, and qualifying family members

  • Low customer review rating on Better Business Bureau (BBB) website

The General: Best for drivers with a DUI

User Reviews
3.4
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.
7.1 /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.
$65/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.
$201/mo
Details
3.4
A solid option in ColoradoBased on 1,531 verified driver reviews and ratings
The General's score
Industry average
Coverage options3.03.2
Customer service3.13.6
Discounts3.02.9
Policy transparency3.23.1
Value3.12.9
How drivers feel about The General

Customers appreciate the ease of payment and availability of ID cards but are dissatisfied with the high premiums and poor customer service. They also report issues with claims handling and unexpected rate increases.

Based on analysis of verified reviews collected by Insurify

Best in Colorado for
High-risk drivers
Robust mobile app
SR-22 insurance
Showing 8 reviews from Colorado driversSee all 594 The General reviews
John
Verified Review
Too Much
OK, it’s just too expensive.
Bill
Verified Review
$70 a Month Too Much for State Minimum
I was paying $50 a month. I canceled over last winter, got another policy, and now I'm paying $70 a month for state minimum. Not happy. :(
Richard
Verified Review
Let me tell you how The General falls short
It's real simple. I started off with a policy that was $477. When they were done baiting and switching me, it was $670. I canceled the policy immediately and went with another company. Now I pay $390 for double the coverage. The General is not worth it.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
585
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.51
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

Colorado may require drivers with a DUI to file an SR-22 to reinstate their driving privileges, and many standard insurance companies don’t offer SR-22 insurance. The General specializes in high-risk insurance for people with a negative driving record, including drivers with DUIs, reckless driving convictions, and others who need to file an SR-22 form.

The General is a good potential option for drivers with a DUI who can’t find cheap car insurance rates elsewhere.

Pros
  • High Trustpilot rating

  • Flexible payment options

  • Accepts customers with a wide range of credit histories

Cons
  • Very high number of complaints, according to the National Association of Insurance Commissioners (NAIC)

  • High average rates for lower-risk drivers

  • Limited policy customization

How we chose the best car insurance companies for high-risk driversexpand/collapse

When choosing the best car insurance companies for high-risk drivers, we compared factors like costs for drivers with an incident, available discounts, customer service options, customer satisfaction ratings, and overall financial stability. The companies we’ve listed above offer competitive rates, a range of discounts, accessible customer service teams, and high customer satisfaction and financial stability ratings.

Cheapest car insurance in Colorado with an at-fault accident

Insurers assign risk to drivers who’ve caused an accident, which can lead to higher annual rates, on average. Comparing quotes from several insurers, starting with the companies listed below, can help you find cheap car insurance with an at-fault accident on your record.

The below rates in Colorado are estimated rates current as of: Monday, August 31 at 5:00 PM PDT. 
Insurance Company
Average Quote: Liability Only
Average Quote: Full Coverage
State Farm$72$166
Sun Coast$83$283
Progressive$88$186
Root$88$193
The General$90$278
USAA$95$216
Mile Auto$99$250
American Family$101$231
GEICO$103$236
Bristol West$112$251
Auto-Owners$129$295
Trexis$134$358
Mendota$136$341
Safeco$147$268
National General$147$327
Dairyland$148$337
Allstate$159$322
Direct Auto$159$356
Travelers$186$423
Farmers$192$438
Liberty Mutual$226$391
Disclaimer: Table data sourced from real-time Colorado car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Colorado may vary based on the policy buyer's unique driver profile.

Cheapest car insurance in Colorado with a DUI

Driving under the influence (DUI) is a serious traffic violation that endangers everyone on the road. That’s why average rates for drivers with a past DUI cost so much more than insurance rates for drivers with clean records. Check out some options for cheap car insurance with a DUI in the table below.

The below rates in Colorado are estimated rates current as of: Monday, August 31 at 5:00 PM PDT. 
Insurance Company
Average Quote: Liability Only
Average Quote: Full Coverage
State Farm$77$176
Sun Coast$87$297
The General$90$277
Progressive$93$195
Root$99$217
USAA$99$225
American Family$101$231
Mile Auto$103$261
GEICO$110$252
Bristol West$119$266
Auto-Owners$130$298
Trexis$140$376
Mendota$143$358
National General$156$346
Dairyland$159$360
Safeco$163$299
Direct Auto$164$367
Allstate$167$338
Travelers$193$439
Farmers$201$459
Liberty Mutual$239$414
Disclaimer: Table data sourced from real-time Colorado car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Colorado may vary based on the policy buyer's unique driver profile.

Cheapest auto insurance in Colorado with a speeding ticket

Speeding increases your chance of having a car accident.[3] Colorado car insurance companies typically charge higher average rates to drivers with speeding tickets compared to the average rate for a driver with a clean record. The insurers below have some of the lowest company average rates for drivers with speeding tickets.

The below rates in Colorado are estimated rates current as of: Monday, August 31 at 5:00 PM PDT. 
Insurance Company
Average Quote: Liability Only
Average Quote: Full Coverage
State Farm$70$160
Sun Coast$80$275
Root$85$186
Progressive$86$180
The General$89$274
Mile Auto$90$227
USAA$92$208
American Family$97$223
GEICO$103$236
Bristol West$108$242
Auto-Owners$127$290
Trexis$130$348
Mendota$132$331
National General$140$310
Safeco$140$257
Dairyland$141$320
Direct Auto$149$332
Allstate$154$313
Travelers$179$408
Farmers$185$421
Liberty Mutual$219$378
Disclaimer: Table data sourced from real-time Colorado car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Colorado may vary based on the policy buyer's unique driver profile.

Find Cheap Car Insurance in Colorado

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How to find cheaper car insurance for high-risk drivers in Colorado

If you’re worried about how your less-than-perfect driving record will affect car insurance rates in the future, you can use the following strategies to find cheap car insurance in Colorado:

    illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    Compare quotes

    One of the best ways to find insurance coverage you need at a price you can afford is through comparison shopping. Insurance companies calculate premiums differently, so you may have to look around for the cheapest coverage for your insurance needs.

    illustration card https://a.storyblok.com/f/162273/150x150/8329623678/money-96x96-blue_025-online-money.svg

    Ask about discounts

    Your auto insurance company may offer discounts for bundling coverage, setting up auto pay, installing vehicle safety features, and more. It’s a good idea to ask the insurance companies you’re considering about the discounts you may qualify for.

    illustration card https://a.storyblok.com/f/162273/150x150/1daf58783c/contact-us-96x96-orange_023-customer-support.svg

    Contact an independent insurance agent

    Independent agents can sometimes help you find cheaper car insurance options that make sense for your needs. If you want help from an expert, this is an option to consider.

    illustration card https://a.storyblok.com/f/162273/150x150/354dc33bc8/banking-96x96-green_017-coins.svg

    Increase your deductible

    You can automatically lower your monthly car insurance premium by increasing your deductible. If you can afford a higher out-of-pocket payment in the event of a filed claim, increasing your deductible can help you save money on a monthly basis.

How to improve your driving record in Colorado

Another good way to reduce the cost of your high-risk Colorado car insurance is to improve your driving record. Here are some of the strategies you can utilize to help you earn a better driving record:

  • Drive safely. Points on your Colorado driving record typically stop affecting your annual rates after 24 months, which means driving safely for two years can potentially lead to a clean record and lower premiums.

  • Take a defensive driving course. Colorado doesn’t allow you to reduce points by taking a defensive driving course, but you can still learn how to be safer on the road with one of these classes.

  • Consult a traffic attorney. A lawyer specializing in traffic law may help you contest a traffic violation or ticket if this applies to you.

  • Improve your credit. Having a poor credit history can also affect car insurance rates, so getting and maintaining good credit can help lower your annual rate and improve your finances at the same time.

Colorado high-risk drivers insurance FAQs

If you’re a high-risk driver looking for Colorado car insurance, the following information can help answer your remaining questions.

What makes you a high-risk driver in Colorado?

Colorado insurers may consider drivers with a speeding ticket, an at-fault accident, a DUI, or another traffic infraction high risk. Insurance companies assess risk by looking at a driver’s past driving record, claims history, credit history, and more.

How do auto insurance companies calculate risk in Colorado?

To calculate a driver’s risk status, auto insurance companies in Colorado consider a driver’s driving record, including any points on their driver’s license, as well as their age, credit history, and location.

What is the cheapest insurance company for Colorado high-risk drivers?

State Farm has the lowest average cost for high-risk drivers in Colorado, at $67 per month for a liability policy. But you may find that a different company offers the cheapest insurance rate since your rates will largely depend on your specific situation and rating factors.

How much does high-risk auto insurance cost in Colorado?

On average, Colorado drivers with a past incident on their record pay $117 per month for liability coverage and $263 for full-coverage insurance. The specific cost of high-risk auto insurance in Colorado will vary from one driver to another.

How long does reckless driving affect insurance in Colorado?

Points on your Colorado license for any traffic infraction, including reckless driving, can typically affect car insurance rates for 24 months.

Sources

  1. Colorado Department of Revenue. "Point Suspensions."
  2. Colorado Department of Revenue. "SR-22 and Insurance Information."
  3. Insurance Institute for Highway Safety. "Speed Overview."

Methodology

Insurify data scientists analyzed more than 250 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.

Emily Guy Birken
Written byEmily Guy BirkenInsurance and Personal Finance Writer
Emily Guy Birken
Emily Guy BirkenInsurance and Personal Finance Writer
  • Plutus Award winner

  • Over 12 years writing about insurance and personal finance

Emily is a Plutus Award-winning freelance writer and former educator who makes complex financial topics easy to understand. She specializes in the science behind money habits and has written for outlets like The Huffington Post, Business Insider, and The Washington Post.

Featured in

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Emily is a Plutus Award-winning freelance writer and former educator who makes complex financial topics easy to understand. She specializes in the science behind money habits and has written for outlets like The Huffington Post, Business Insider, and The Washington Post.

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.

Featured in

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David Marlett
Reviewed byDavid MarlettAdvisor
David Marlett
David MarlettAdvisor
  • 25 years teaching risk management and insurance course

  • Former commercial lines underwriter

David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.

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