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Colorado Car Insurance for High Risk Drivers (With Quotes)

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Doug Shaffer

By: Doug Shaffer

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Cheapest Insurance Companies for High Risk Drivers in Colorado (2022)

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

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

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 HistoryAvg. Monthly Cost
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.

No Violation - Avg. Monthly Rate
$235
Speeding ticket - Avg. Monthly Rate
$280
$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.

No Violation - Avg. Monthly Rate
$235
Speeding ticket - Avg. Monthly Rate
$289
$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.

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

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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.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Colorado Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Colorado. Insurify analyzed the latest data for the five most populous cities in Colorado to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Colorado and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

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.

Doug Shaffer
Doug Shaffer

Content Writer at Insurify

Doug Shaffer is an insurance writer for Insurify. He has had the opportunity to write for several large, national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. Even though he enjoys writing for most product lines, he loves auto insurance the most. During the moments he manages to break away from the keyboard, he can be found spending time with his family.

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