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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Written byEmily Guy Birken
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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.
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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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Reviewed byDavid Marlett
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David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.
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Table of contents
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 $165 per month, though drivers with clean records typically pay an average of $140.
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 $72 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 | 4.0 |
|---|---|
| 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. | $59/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. | $120/mo |
4.0
Best choice in ColoradoBased on 15,788 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 in Colorado 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 in Colorado for
Customer service
Competitive rates
Discounts for safe drivers
Showing 32 reviews from Colorado drivers - See all 7,176 State Farm reviews
Lelia
Verified Review
State Farm Reviewed
Reviewed in Colorado on February 25, 2026
Shop around and compare.
Jerry
Verified Review
Excellent
Reviewed in Colorado on February 14, 2026
Shop around before you buy, but make sure you're comparing apples to apples.
Philip
Verified Review
I did the survey
Reviewed in Colorado on February 13, 2026
State Farm is great. I like dealing directly with my agent.
Le
Verified Review
St Farm Experience
Reviewed in Colorado on February 9, 2026
St Farm has been a fair insurer for decades. However, rates are increasing by leaps and bounds—just increased 22%!
Frank
Verified Review
Comments
Reviewed in Colorado on February 6, 2026
I have had very little contact with the office of this agent. I have not even received a Christmas card, a birthday card, or a call, but that doesn’t matter because the times that I’ve had claims, which has only been twice in the past 5-6 years, they have responded excellently. However, that is the claims office, not my agent.
Glenn
Verified Review
State Farm Review
Reviewed in Colorado on January 22, 2026
Excellent Service
Raymond
Verified Review
Great people but high cost increases.
Reviewed in Colorado on January 12, 2026
Service has been quite good with very nice, helpful staff. The only issue is that the price has gone up significantly over the last two years.
Janis
Verified Review
Excellent insurance. Can be pricey.
Reviewed in Colorado on January 9, 2026
I feel good about it.
Marvin
Verified Review
Very expensive and the Drive Safe discount doesn’t work half the time. I have been checking around for better and cheaper insurance.
Reviewed in Colorado on January 5, 2026
Very expensive and the Drive Safe discount doesn’t work half the time. I have been checking around for better and cheaper insurance.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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. | $76/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. | $155/mo |
4.9
Best choice in ColoradoBased on 3,128 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 in Colorado 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 in Colorado for
Members of the military community
Outstanding customer service
Competitive rates
Showing 14 reviews from Colorado drivers - See all 1,477 USAA reviews
Vlademir
Verified Review
Right price and fair.
Reviewed in Colorado on February 26, 2026
I have not had any issues, and the price was always far below other insurers.
Dale
Verified Review
USAA Experience
Reviewed in Colorado on January 28, 2026
Transparent, very good service, good value.
Marge
Verified Review
USAA
Reviewed in Colorado on January 26, 2026
I have been with them for 54 years and no one has beaten the rate for the coverage I want.
William
Verified Review
Unhappy Vet
Reviewed in Colorado on January 16, 2026
The insurance premium price keeps going up, and I have had no accidents and no speeding tickets. I would like to know why that has happened.
Jimmie
Verified Review
Not a bargain
Reviewed in Colorado on January 9, 2026
USAA is very high in cost and slow to pay out.
Joseph
Verified Review
USAA has no loyalty to long-term customers
Reviewed in Colorado on January 4, 2026
USAA consistently delivers exceptional service; I have been a loyal customer for nearly two decades. However, I've observed a continuous increase in rates, which suggests a lack of loyalty to long-standing customers. I believe USAA should consider implementing loyalty discounts for their tenured clientele, rather than consistently raising their rates.
Scott
Verified Review
USAA is good but shop around. You could do better.
Reviewed in Colorado on December 31, 2025
Overpriced compared to other carriers.
Oscar
Verified Review
I'm just checking prices. Their service is great, but their prices match the service. Just checking prices and coverage. They go hand in hand.
Reviewed in Colorado on November 22, 2025
I'm just checking prices. Their service is great, but their prices match the service. Just checking prices and coverage. They go hand in hand.
Cary
Verified Review
OK
Reviewed in Colorado on November 11, 2025
Good company, but costs keep going up.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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 | 3.3 |
|---|---|
| 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. | $77/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. | $196/mo |
3.3
A solid option in ColoradoBased on 1,182 verified driver reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best in Colorado for
High-risk drivers
Robust mobile app
SR-22 insurance
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.
AI-generated from the text of verified reviews collected by Insurify
Best in Colorado for
High-risk drivers
Robust mobile app
SR-22 insurance
Showing 8 reviews from Colorado drivers - See all 528 The General reviews
Richard
Verified Review
Let me tell you how The General falls short
Reviewed in Colorado on March 1, 2026
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.
Anastasia
Verified Review
Gotta progress away from the general
Reviewed in Colorado on January 3, 2026
I am now with Progressive and saving $84 a month. The General is extremely hard to get a hold of anyone. The policy amounts change every month. I have asked multiple times for them to change my due date. They have not. I have asked for certain things to be taken off of my policy to lower my bill, they never did. Extremely high cost at The General!
Ferina
Verified Purchase
It's okay but lower your prices
Reviewed in Colorado on December 27, 2025
They need to lower the prices.
Kimberly
Verified Review
Disappointing from The General
Reviewed in Colorado on December 4, 2025
I should have gotten a lower quote. I have no issues that would cause an increase, but they increased my rate by $20 from last year. I'm not happy when I could find a better place to go to.
Kathleen Margery
Verified Review
Positive and professional!
Reviewed in Colorado on October 22, 2025
Thorough to get me signed up right away! Good communication!
Francisco
Verified Review
Excellent
Reviewed in Colorado on October 1, 2025
They do what they promise on all coverage.
Kimothy
Verified Review
Much more affordable.
Reviewed in Colorado on June 22, 2025
Fast and just what I wanted. Lower-priced insurance. I have an older car, and I only drive about 2 miles a day, and my job is only one minute away. My previous insurance was nearly $80 a month! I just couldn’t keep paying that much. I got it down to almost half that with The General.
Dana
Verified Review
Average
Reviewed in Colorado on March 17, 2025
Search for the best price for the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
585NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.51A.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).
AWhy 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
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: Sunday, March 1 at 11:00 AM PST.
Insurance Company  | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| State Farm | $77 | $157 |
| Sun Coast | $91 | $279 |
| USAA | $101 | $206 |
| Mile Auto | $103 | $245 |
| Progressive | $104 | $218 |
| The General | $105 | $268 |
| Root | $105 | $209 |
| American Family | $109 | $221 |
| Bristol West | $114 | $253 |
| GEICO | $116 | $237 |
| Allstate | $122 | $247 |
| Nationwide | $131 | $267 |
| Auto-Owners | $138 | $280 |
| Mendota | $139 | $344 |
| Trexis | $151 | $396 |
| Safeco | $161 | $285 |
| National General | $162 | $347 |
| Dairyland | $169 | $424 |
| Direct Auto | $176 | $355 |
| Travelers | $199 | $403 |
| Farmers | $205 | $418 |
| Liberty Mutual | $274 | $409 |
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: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| State Farm | $85 | $172 |
| Sun Coast | $98 | $301 |
| USAA | $109 | $223 |
| The General | $111 | $282 |
| Mile Auto | $111 | $263 |
| Progressive | $112 | $235 |
| Root | $115 | $229 |
| American Family | $118 | $238 |
| Bristol West | $125 | $279 |
| GEICO | $129 | $263 |
| Allstate | $132 | $267 |
| Nationwide | $141 | $287 |
| Mendota | $150 | $371 |
| Auto-Owners | $151 | $307 |
| Trexis | $163 | $427 |
| National General | $177 | $378 |
| Safeco | $178 | $315 |
| Dairyland | $185 | $465 |
| Direct Auto | $187 | $376 |
| Travelers | $214 | $434 |
| Farmers | $223 | $454 |
| Liberty Mutual | $297 | $444 |
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: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| State Farm | $76 | $155 |
| Sun Coast | $91 | $278 |
| Mile Auto | $96 | $228 |
| USAA | $100 | $204 |
| Progressive | $104 | $217 |
| The General | $105 | $267 |
| Root | $107 | $214 |
| American Family | $108 | $219 |
| Bristol West | $111 | $248 |
| GEICO | $120 | $245 |
| Allstate | $122 | $247 |
| Nationwide | $129 | $264 |
| Auto-Owners | $139 | $284 |
| Mendota | $139 | $343 |
| Trexis | $151 | $395 |
| Safeco | $156 | $275 |
| National General | $156 | $333 |
| Dairyland | $164 | $411 |
| Direct Auto | $166 | $334 |
| Travelers | $197 | $399 |
| Farmers | $202 | $412 |
| Liberty Mutual | $268 | $400 |
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:
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.
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.
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.
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 $72 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 $106 per month for liability coverage and $224 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.
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
- 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.
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Sources
- Colorado Department of Revenue. "Point Suspensions."
- Colorado Department of Revenue. "SR-22 and Insurance Information."
- Insurance Institute for Highway Safety. "Speed Overview."
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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
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 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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David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.