Cheap Car Insurance for High-Risk Drivers in Colorado:
Costs and Quotes (2021)

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Cheapest Insurance Companies for High Risk Drivers in Colorado (2021)

For drivers that are high-risk in Colorado, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Colorado. The following are the best insurance rates from carriers that offer car insurance for high-risk drivers in Colorado.

What Makes a Driver High-Risk in Colorado?

As insurance companies accept new drivers, they open themselves up to a certain level of risk. Drivers who have a driving record full of violations or a history of filing numerous insurance claims are often labeled as high-risk. Having this risk classification often leads to higher premium rates.

To be labeled "high-risk," drivers in the state of Colorado have to have an extensive history of driving violations on their record. For examples, instances of speeding, reckless driving, DUI and DWI convictions, and multiple at-fault accidents are all possible reasons for being pegged as a high-risk driver. Although rates may be higher for riskier drivers, there are still affordable coverage options available.

Colorado Car Insurance Rates for High-Risk Drivers
Average Monthly Cost
$235
$280
$289
$322
$264
No ViolationSpeeding TicketAt-Fault AccidentReckless DrivingFailure to Stop
Driving History

Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does High-Risk Driving Affect Car Insurance Rates in Colorado?

High-risk driving charges can have a lasting impact on your overall driving record. Often, instances of speeding, excessive lane changing, and improper passing can cause insurance providers to raise your rates for reckless driving. In fact, drivers in Colorado who have reckless driving violations should expect to pay $322 a month for coverage, which is nearly $100 more than those without violations.

Drivers may be able to find better rates by shopping around at multiple insurance providers. Some companies in Colorado offer special packages and rates for high-risk drivers with violations on their record.

Driving History
No Violation$235
Speeding Ticket$280
At-Fault Accident$289
Reckless Driving$322
Failure to Stop$264

How Much Does a Speeding Ticket Impact Car Insurance Rates in Colorado?

Nearly every driver has looked down at their dashboard, only to realize they are going over the speed limit. Not everyone gets charged with a speeding ticket, but the ones who do will face an increase to their average monthly premium. Typically, drivers with speeding tickets in Colorado pay $45 more per month than those without.

$235
$280
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$45 ▴Avg. Monthly Rate Increase

How Does an at-Fault Accident Impact Insurance Rates in Colorado?

Most risky driving violations have a negative impact on the insurance rates a driver receives in Colorado, this includes at-fault accidents. If you cause an accident, your insurance provider will most likely raise your rates. On average, drivers with an at-fault accident can expect an increase of $54 per month for coverage.

$235
$289
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$54 ▴Avg. Monthly Rate Increase

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Colorado?

Failing to stop completely at a red light or stop sign can result in an increase to your insurance rates. In Colorado, the cost of a failure-to-stop violation can mean paying an additional $29 a month for coverage. Often, shopping for rates is a great way to lessen the extra expenses associated with the violation.

$235
$264
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$29 ▴Avg. Monthly Rate Increase

Does Driving With a Suspended License Impact Car Insurance Rates in Colorado?

As insurance companies accept new drivers, they open themselves up to a certain level of risk. Drivers who have a driving record full of violations or a history of filing numerous insurance claims are often labeled as high-risk. Having this risk classification often leads to higher premium rates.

To be labeled "high-risk," drivers in the state of Colorado have to have an extensive history of driving violations on their record. For examples, instances of speeding, reckless driving, DUI and DWI convictions, and multiple at-fault accidents are all possible reasons for being pegged as a high-risk driver. Although rates may be higher for riskier drivers, there are still affordable coverage options available.

Tips for Researching High-Risk Colorado Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like Colorado draws a wide variety of choices when factoring high-risk driving insurance rates.

Insurify''s rate comparison tool will help you make sure you''re getting the best possible quote based on your needs and location. You can have peace of mind you''re not paying any more than you need to, and customers save $585 per year on average.

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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.