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Temporary Car Insurance in Colorado (With Quotes)

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Car Insurance
Jeanette Wisniewski

By: Jeanette Wisniewski

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Cheapest Companies for Temporary Car Insurance Colorado (2022)

For drivers looking for temporary insurance 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 will allow you to get the best possible insurance rate for drivers looking for a 6-month policy.

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 temporary car insurance for drivers in Colorado.

CarrierAvg. Monthly Cost
Bristol West Auto$173
Sun Coast$177
Foremost Signature$186
Travelers$203
SafeAuto$213

What Is Temporary Car Insurance and How to Get It in Colorado?

Long-term car insurance may seem like an expensive move when you have a temporary situation that calls for coverage. However, month-to-month insurance isn’t an option when you’re dealing with reputable companies. While there may be a completely different solution to your temporary insurance needs, purchasing a six-month policy (which is the minimum term you can buy policies for) is a likely part of your action plan.

People with short-term policy needs have one thing in common: the desire to remain flexible. And with a six-month insurance premium, that’s no problem. You can always cancel ahead of the term end date (as long as you have another plan in place) or ride it out for six months and search for a better rate then. A lot changes in half a year. Many drivers are surprised to find access to even better rates after waiting a while.

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What Are the Average Short-Term Car Insurance Rates in Colorado?

Based on insurance policy data from actual drivers and carriers across the state, Coloradans pay $1,523 in premiums (on average) for a six-month, short-term insurance policy here. Looking at a short-term package like this one from a monthly perspective means that the same drivers spend about $254 a month for car insurance.

Length of Short-Term Insurance PolicyAvg. Monthly Rate, Short-Term Policy Total Cost of 6 Month, Short-Term Policy
6 months$254$1,523

What Are the Benefits of Choosing a Six-Month Auto Insurance Policy in Colorado?

Insurance rates are always changing. Though your rate might suit you fine at first, you shouldn’t let more than six months pass before you check out rates a second time.

Comparison shopping for a better rate every six months is the way to go. Why? Besides the fact that new insurance companies are popping up all over (especially online), the way insurance companies rate risk changes from time to time. And your profile changes, too. Let Insurify find rates that fit your insurance profile and your budget. They make comparison shopping for short-term auto insurance quick and pain-free by capturing quotes from reputable insurance companies all over the United States.

Find Cheap Short-Term Car Insurance in Minutes

You could find cheap short term car insurance options in Colorado within minutes using Insurify. All you’ve got to do is fill in some basic information about yourself and your car, and you’ll be presented with a list of up to 20 short-term car insurance policy options within minutes. These quotes are customized, real-time, and accurate. Insurify also allows you the option to toggle between the rates for a six-month policy and a 12-month policy—that way you can see for yourself which option is best for you.

Compare quotes fast, free, and online with Insurify’s car insurance quote comparison tool.

Best Short-Term Car Insurance Plans in Colorado

Insurance prices and policies can vary significantly between companies, and a state like Colorado draws a wide variety of choices when drivers are evaluating temporary car insurance plans.
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.

Jeanette Wisniewski
Jeanette Wisniewski

Content Writer at Insurify

Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.

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