Colorado Car Insurance for High Risk Drivers (With Quotes)

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.

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.

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.

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.

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.

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.

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