How to Find the Best Car Insurance
for High Risk Drivers in Colorado

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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
No Violation
$280
Speeding Ticket
$289
At-Fault Accident
$322
Reckless Driving
$264
Failure to Stop for Red Light / Stop Sign
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.

What Are the Best Car Insurance Companies for High-Risk Drivers in Colorado?

One way to secure a better rate if you are a high-risk driver is by shopping around at multiple insurance providers. In Colorado, insurers such as Bristol West, Sun Coast General Insurance Agency, and many others offer competitive rates. Some insurance companies throughout the state also offer special packages designed for high-risk drivers.

CarrierAvg. Monthly Cost
Bristol West$200
Sun Coast General Insurance Agency, Inc.$204
Travelers$218
SafeAuto$233
Safeco Insurance$244
Acuity Insurance$248
Liberty Mutual$270
Dairyland Insurance$291
Midvale Home & Auto$302
American Family Insurance$315

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 for Red Light / Stop Sign$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
No Violation - Avg. Monthly Rate
$280
Speeding 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
No Violation - Avg. Monthly Rate
$289
Speeding 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
No Violation - Avg. Monthly Rate
$264
Speeding 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.