Cheapest Auto Insurance in Colorado (2025)

State Farm offers the cheapest liability-only car insurance quotes in Colorado, with a monthly quote of $63.

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Cheapest recent car insurance quotes in Colorado

Drivers using Insurify have found quotes as cheap as $48/mo for liability only and $88/mo for full coverage in Colorado.

*Quotes generated for Insurify users from Colorado within the last 10 days. Last updated on October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Colorado within the last 10 days. Last updated on October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Melanie Lockert
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Melanie Lockert
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  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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Car insurance in Colorado costs an average of $146 per month, compared to the national average of $140 per month.

Colorado’s high volume of uninsured motorists could be driving up rates across the state. Colorado requires car insurance to drive legally, but 17.1% of drivers in the state are uninsured, compared to 14% nationwide, according to Insurance Information Institute data.[1]

Comparing quotes from multiple Colorado insurance companies can help you find the best price on coverage that’s right for you.

Quick Facts
  • State Farm has the cheapest liability-only car insurance in Colorado, with rates of $63 per month.

  • Only 14% of Colorado residents live in rural areas, according to U.S. census data.[2] Car insurance typically costs more in urban areas, where more drivers are on the road and the risk of accidents is higher due to traffic congestion.

  • Colorado car insurance rates increased by 4% in 2023, compared to 17% nationally.

6 of the cheapest car insurance companies in Colorado

State Farm, Progressive, and Mile Auto provide some of the cheapest car insurance in Colorado, with liability rates starting at $63 per month. 

But you might find a cheaper rate with another insurer. Insurance companies determine premiums based on a variety of factors unique to each driver, including accident history, age, gender, credit-based insurance score, and vehicle make and model.

State Farm logo
USAA logo
American Family logo
GEICO logo
Nationwide logo
Progressive logo
Average price
Prices based on average across state-minimum and full coverage car insurance
$88/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$113/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$121/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$134/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$145/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$110/mo*
Overall rating
4.1
Overall rating
4.9
Overall rating
4.5
Overall rating
3.9
Overall rating
4.3
Overall rating
3.3
Value for money
3.8/5
Value for money
4.9/5
Value for money
4.5/5
Value for money
3.8/5
Value for money
3.9/5
Value for money
3.3/5
Customer service
4.1/5
Customer service
4.7/5
Customer service
4.9/5
Customer service
3.9/5
Customer service
4.0/5
Customer service
3.3/5
Claims handling
4.1/5
Claims handling
4.9/5
Claims handling
4.9/5
Claims handling
4.1/5
Claims handling
4.3/5
Claims handling
3.5/5
Special highlight
AI-generated from 6240 user reviews
Customer service
Special highlight
AI-generated from 1244 user reviews
Members of the military community
Special highlight
AI-generated from 244 user reviews
Outstanding customer service
Special highlight
AI-generated from 6601 user reviews
Teen drivers
Special highlight
AI-generated from 493 user reviews
Usage-based savings
Special highlight
AI-generated from 7201 user reviews
Competitive rates
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

State Farm

State Farm logo
User Reviews
4.1
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.
$63/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.
$112/mo
4.1
Best choiceBased on 11,820 verified guest 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 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 For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,240)
Taylor
Verified Review
Great Insurance Company but Too Expensive
Reviewed in Michigan on October 2025
Overall, they are a great insurance company, but I think they charge way too much compared to others.
Sherry
Verified Review
State Farm
Reviewed in Kansas on October 2025
Be very careful and read everything.
Kurt
Verified Review
Better Insurance Company
Reviewed in California on October 2025
Rates are too high. Agents don't handle claims directly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.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 is the largest insurance company in the U.S. by market share and offers some of the cheapest car insurance rates in Colorado. Drivers in Colorado can save even more on their policy with discounts for bundling, driving safely, and installing anti-theft devices in their vehicles. And J.D. Power consistently rates the insurer highly for customer and claims satisfaction.

Pros
  • Above-average J.D. Power customer satisfaction rating in Colorado

  • Available discounts for safe drivers and teen drivers

  • Statewide network of local, exclusive agents

Cons
  • Must finalize quote with an agent

  • Fewer discounts than some competitors

  • Accident forgiveness only available to long-time customers with clean driving records

American Family

American Family logo
User Reviews
4.5
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.
$86/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
4.5
Best choiceBased on 496 verified guest reviews and ratings
How drivers feel about American Family

Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
How drivers feel about American Family

Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (244)
Kenneth
Verified Review
Great value, average service
Reviewed in California on September 2025
If you're a Costco member, this is the best price in town!
John
Verified Review
Our time with American Family has been good except for the continued rate of premium increases, despite the fact that we have made no claims.
Reviewed in South Dakota on September 2025
Our time with American Family has been good except for the continued rate of premium increases, despite the fact that we have made no claims.
Nella
Verified Review
Insurance Shopping
Reviewed in Georgia on August 2025
Very nice, but the auto insurance was double what I’m paying now.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47
A.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

American Family has some of the lowest rates for Colorado drivers. The company stands out for its unique coverage options, including insurance for farms and ranches, businesses, and snowmobiles. And you could save up to 27% if you bundle an American Family auto policy with home insurance or life insurance.

Pros
  • Above-average J.D. Power customer satisfaction rating in Colorado

  • Many available coverage options

  • AM Best financial strength rating of A (Excellent)

Cons
  • Below-average J.D. Power digital experience rating

  • Fewer discounts than other insurers

  • No rideshare insurance coverage

USAA

USAA logo
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.
$81/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.
$145/mo
4.9
Best choiceBased on 2,228 verified guest 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 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 For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,244)
Bruno
Verified Review
Cost $$
Reviewed in Texas on October 2025
They have increased their rates! I have been with them for 35 years.
Lonnie
Verified Review
Awesome
Reviewed in Missouri on October 2025
Easy and affordable.
Lana
Verified Review
USAA 50/50
Reviewed in Mississippi on September 2025
Expensive. They are decent if you are in an accident - they arrange a rental (if you have that coverage) and contact the other driver's insurance, and manage the claim. Homeowners - they don't cover wind nor flood (found this out the hard way after the agent neglected to tell me after I returned from an overseas assignment).
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.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

Offering coverage exclusively to active-duty military members, veterans, and their family members, USAA could be a solid choice for the more than 357,000 veterans living in Colorado. The insurer has competitive rates and high levels of customer satisfaction.

Eligible Colorado drivers may be able to save even more through USAA’s many discounts, including up to 3% for making automatic payments, up to 10% by bundling home and auto coverage, and up to 15% for storing your vehicle at a military base.

Pros
  • Competitive rates in Colorado

  • Highly rated by J.D. Power for customer satisfaction

  • Savings of up to 30% with USAA’s SafePilot telematics program

Cons
  • Coverage restricted to members of the military community

  • Limited optional coverages

  • No live 24/7 customer support

Calculate how much your Colorado car insurance might cost

Don’t go into car insurance shopping blind. Use this car insurance calculator to estimate how much you should pay for coverage, based on factors like your age, gender, driving history, credit, and more.

ESTIMATED RATE: $179 per month
40.1% of similar drivers pay less for coverage. Save up to $1320 per year by comparing quotes!
Quoted premiums and averages sourced from Insurify's database of more than 97 million car insurance quotes from 120+ partner providers. Actual rates may vary based on each policy buyer's unique driver profile.

How to get the cheapest car insurance in Colorado

The car insurance rate you get depends on many different factors, including your driving history, location, how much you drive, gender, age, and your credit history.

To get cheap car insurance in Colorado, here are some things you can do:

  • Raise your deductible. A higher deductible means you pay more out of pocket if there’s a claim, but it can result in lower car insurance premiums.

  • Look for discounts that you may qualify for. Insurance companies may offer discounts based on safe driving, having multiple policies with the company, or an affiliation, such as being an active-duty military member, veteran, or a teacher.

  • Compare car insurance rates. Shopping around can help you find the best rates for your situation. Check out prospective rates from multiple insurers to make the search easier.

Low-cost car insurance in Colorado

Colorado doesn’t have any low-income insurance programs to help drivers find affordable car insurance policies. If you’re looking for low-cost options in Colorado, consider shopping for insurance every six months and comparing quotes from at least three to five car insurance companies.

Car insurance rates can vary greatly among insurance companies, and comparing car insurance quotes allows you to find the best deal.

Find Cheap Car Insurance in Colorado

Liability rates average $94 per month

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Cheapest liability-only car insurance quotes in Colorado: State Farm

Colorado requires drivers to carry liability auto insurance, though it only pays for damages and injuries to other parties when you cause an accident. This coverage makes sense if you have an older vehicle with a relatively cheap cash value.

Liability-only insurance in Colorado costs an average of $94 per month.

Here are the cheapest insurers for Colorado liability insurance.

The below rates are estimated rates current as of: Monday, October 6 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$63
Progressive$64
Mile Auto$71
Sun Coast$75
Root$78
USAA$81
The General$81
Bristol West$83
American Family$86
GEICO$96
Allstate$97
Nationwide$104
Auto-Owners$112
Safeco$118
Dairyland$128
Direct Auto$129
National General$137
Travelers$157
Farmers$164
Liberty Mutual$209
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance quotes in Colorado: State Farm

If you need higher levels of coverage, you can look into full-coverage insurance, which comes with collision and comprehensive coverages. Collision insurance covers your vehicle after an at-fault accident with another vehicle or stationary object, while comprehensive insurance covers damage due to non-collision events, like severe weather and theft.

Colorado drivers pay $198 per month, on average, for full-coverage car insurance. Check out the most affordable full-coverage insurance in the table below.

The below rates are estimated rates current as of: Monday, October 6 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$112
USAA$145
Mile Auto$153
American Family$155
Progressive$156
Root$166
GEICO$172
Allstate$174
Nationwide$186
Bristol West$191
Auto-Owners$200
The General$202
Safeco$206
Sun Coast$220
Direct Auto$274
National General$278
Travelers$282
Farmers$295
Liberty Mutual$311
Dairyland$330
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Colorado

Minimum liability car insurance requirements vary by state. In Colorado, you need to maintain the following car insurance coverage:

Coverage Type
sort ascsort desc
Amount 
sort ascsort desc
Bodily injury or death (one person)$25,000
Bodily injury or death (all persons) $50,000
Property damage in accident $15,000

These requirements cover you if you’re found at fault for an accident that causes bodily injury, death, or damage to another party’s vehicle. While this is the minimum requirement, it only covers the other party if you’re found at fault and doesn’t cover your own property or injuries, which is where additional insurance coverage like collision, comprehensive, and medical payments protection can help.

Cheapest car insurance companies in CO for drivers with an incident

Your driving history can affect your car insurance premiums. If you have a clean record, you’ll get the lowest rates, but drivers with speeding tickets or at-fault accidents end up paying more. Colorado drivers with a driving under the influence (DUI) conviction will pay the most.

Here’s a look at average monthly quotes for the cheapest car insurance in Colorado based on driving and accident history.

Read More: SR-22 Companies in Colorado

Read More: SR-22 Companies in Colorado

Cheapest recent car insurance quotes in Colorado

Drivers using Insurify have found quotes as cheap as $48/mo for liability only and $88/mo for full coverage in Colorado.

*Quotes generated for Insurify users within the last 10 days. Last updated on October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Cheapest car insurance quotes for drivers with a speeding ticket: State Farm

Speeding puts you at a higher risk of being in a severe car accident, so insurance companies charge higher premiums after a ticket. Nearly 30% of traffic fatalities nationwide involve speeding, according to the National Safety Council.[3]

Drivers in Colorado with a speeding ticket pay an average of $115 per month for liability insurance.

Here’s how insurance companies’ average monthly quotes change after a speeding ticket in Colorado.

The below rates are estimated rates current as of: Monday, October 6 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Avg. Quote With Clean Driving Record
sort ascsort desc
Avg. Quote With Speeding Ticket
sort ascsort desc
State Farm$63$78
Progressive$64$78
Mile Auto$71$84
Sun Coast$75$92
Root$78$102
USAA$81$101
The General$81$106
Bristol West$83$103
American Family$86$108
GEICO$96$123
Allstate$97$122
Nationwide$104$131
Auto-Owners$112$141
Safeco$118$152
Dairyland$128$158
Direct Auto$129$160
National General$137$168
Travelers$157$198
Farmers$164$204
Liberty Mutual$209$259
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for drivers with an at-fault accident: State Farm

Insurers calculate rates based on risk and often reward drivers who are accident-free with lower premiums. Unfortunately, if you cause an accident, you can usually expect your premium to increase upon renewal.

Liability-only insurance in Colorado costs $114 per month, on average, for drivers with an at-fault accident on their record.

The below rates are estimated rates current as of: Monday, October 6 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Avg. Quote With Clean Driving Record
sort ascsort desc
Avg. Quote With At-Fault Accident
sort ascsort desc
State Farm$63$78
Progressive$64$78
Mile Auto$71$90
Sun Coast$75$91
Root$78$97
USAA$81$102
The General$81$106
Bristol West$83$104
American Family$86$108
GEICO$96$116
Allstate$97$122
Nationwide$104$131
Auto-Owners$112$139
Safeco$118$158
Dairyland$128$162
Direct Auto$129$168
National General$137$173
Travelers$157$199
Farmers$164$206
Liberty Mutual$209$264
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for drivers with a DUI: State Farm

A DUI conviction in Colorado will stay on your motor vehicle record for 10 years and could lead to an increase in your insurance premium for 3 to 7 years depending on your insurer. Drivers in Colorado with a DUI pay monthly averages of $151 for liability coverage and $319 for full coverage.

Practicing safe driving behavior or taking a defensive driving course approved by your insurer could reduce your rate over time.

The table below shows the cheapest car insurance companies for drivers in Colorado with a DUI.

The below rates are estimated rates current as of: Monday, October 6 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Avg. Quote With Clean Driving Record
sort ascsort desc
Avg. Quote With DUI
sort ascsort desc
State Farm$63$96
Progressive$64$103
Mile Auto$71$109
Sun Coast$75$121
Root$78$117
USAA$81$124
The General$81$124
Bristol West$83$127
American Family$86$132
GEICO$96$142
Allstate$97$149
Nationwide$104$159
Auto-Owners$112$171
Safeco$118$194
Dairyland$128$196
Direct Auto$129$198
National General$137$210
Travelers$157$240
Farmers$164$251
Liberty Mutual$209$320
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for seniors: State Farm

Seniors typically pay less for car insurance, though rates start to rise in their 70s due to an enhanced accident risk and a higher probability of medical treatment needed for accident-caused injuries.[4] 

Senior drivers in Colorado pay a monthly average of $77 for liability-only car insurance. Explore affordable insurance options for seniors in the table below.

The below rates are estimated rates current as of: Monday, October 6 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
State Farm$49$86
Progressive$53$128
Mile Auto$55$118
Sun Coast$62$181
Root$64$137
USAA$65$116
The General$66$164
Bristol West$67$154
American Family$67$121
GEICO$75$134
Allstate$78$139
Nationwide$78$139
Auto-Owners$88$157
Safeco$101$177
Direct Auto$102$216
Dairyland$103$265
National General$105$213
Travelers$123$220
Farmers$127$229
Liberty Mutual$171$254
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for teens: Progressive

Young drivers, especially teen drivers, have a higher likelihood of getting into a fatal accident, according to the Centers for Disease Control and Prevention.[5] As such, your age can affect your car insurance rate, as insurers consider certain age groups more likely to file a claim.

Liability insurance costs an average of $168 for Colorado teens, and full coverage costs $354 per month.

Teenagers in Colorado pay the highest rate for car insurance. Rates drop further in the 20s and 30s age brackets and mostly trend downward.

The below rates are estimated rates current as of: Monday, October 6 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Progressive$114$279
State Farm$120$213
Root$134$286
Sun Coast$134$393
The General$139$347
Mile Auto$145$312
Bristol West$147$338
USAA$148$264
American Family$160$288
GEICO$171$307
Allstate$189$340
Nationwide$201$359
Dairyland$210$542
Auto-Owners$214$383
Safeco$233$406
Direct Auto$251$533
National General$276$560
Farmers$316$569
Travelers$316$568
Liberty Mutual$366$544
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Colorado car insurance quotes by credit tier

Many states, including Colorado, allow insurers to factor in your credit history when calculating your car insurance rates. Your credit history is a reflection of how you use and manage credit available to you, like credit cards, loans, and more.

Insurers believe your credit history also indicates how likely you are to file a claim. Drivers with good credit pay cheaper car insurance premiums, and drivers with poor credit pay more expensive premiums.

The table below shows what you might pay each month based on your credit tier in Colorado.

Quotes by Credit Tier

Car insurance rates across Colorado cities

Where you live significantly affects how much you pay for car insurance. Factors like vehicle crime rates, weather events, and traffic patterns all influence how likely you are to file a car insurance claim. 

Check out the table below for an idea of the average car insurance quote in Colorado, based on the city you live in.

  • City
    sort ascsort desc
    Avg. Full Coverage Quote 
    sort ascsort desc
    Avg. Liability Only Quote
    sort ascsort desc
    Arvada$225$104
    Broomfield$221$99
    Colorado Springs$214$99
    Denver$222$108
    Fort Collins$167$82
    Greeley$194$85
    Pueblo$213$92
    Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Colorado car insurance FAQs

If you’re looking for more information about car insurance in Colorado, this additional information may help as you research your coverage options.

  • Which company has the cheapest car insurance in Colorado?

    The top three cheapest insurance companies in Colorado are State Farm, Progressive, and Mile Auto. These insurers have the best prices in the state for liability-only insurance, of $63, $64, and $71 per month, respectively. Comparing multiple quotes at once can help you find the cheapest car insurance rate for your situation.

  • What’s the required car insurance coverage in Colorado?

    Colorado’s minimum car insurance requirements are $25,000 per person and $50,000 per accident in bodily injury liability coverage and $15,000 per accident in property damage liability coverage.

  • How does credit score affect car insurance premiums in Colorado?

    Insurers consider your credit history when determining rates, so having a better credit score typically lowers your costs. A poor credit score is anything that falls below 630, while an excellent credit score is anything above 720.

    You don’t need perfect credit to get a good insurance rate, though, since credit is just one of the factors insurers consider when determining car insurance premiums.

  • Is Colorado a no-fault state?

    No. Colorado is an at-fault state. This means the driver who caused an accident is responsible for paying for damages. This includes vehicle repairs, medical bills and other costs, like legal fees and judgments, if a lawsuit is filed against the at-fault driver.

Methodology

Insurify data scientists analyzed more than 90 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
  2. Colorado Department of Local Affairs. "2020 Colorado Urban Areas."
  3. National Safety Council. "Speeding."
  4. Centers for Disease Control and Prevention. "Older Adult Drivers."
  5. Centers for Disease Control and Prevention. "Teen Driver and Passenger Safety."
Melanie Lockert
Melanie Lockert

Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.

Melanie has been a contributor at Insurify since November 2022.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Triple-I
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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