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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
Featured in
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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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.
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
- Cheap car insurance quotes in CO
- CO cheap liability-only car insurance
- CO cheap full coverage car insurance
- Car insurance for one week in CO
- Best cheap CO car insurance
- Car insurance rates in CO over time
- Colorado car insurance requirements
- Colorado car insurance rates by city
- Quotes for drivers with a clean record
- Cheap car insurance with an incident in CO
- Affordable CO insurance with an at-fault accident
- Cheap car insurance for CO drivers with a DUI
- Cheapest SR-22 insurance in Colorado
- Affordable car insurance in CO for teen drivers
- Car insurance quotes for senior drivers in CO
- Cheap car insurance with bad credit in CO
- FAQs
Table of contents
- Cheap car insurance quotes in CO
- CO cheap liability-only car insurance
- CO cheap full coverage car insurance
- Car insurance for one week in CO
- Best cheap CO car insurance
- Car insurance rates in CO over time
- Colorado car insurance requirements
- Colorado car insurance rates by city
- Quotes for drivers with a clean record
- Cheap car insurance with an incident in CO
- Affordable CO insurance with an at-fault accident
- Cheap car insurance for CO drivers with a DUI
- Cheapest SR-22 insurance in Colorado
- Affordable car insurance in CO for teen drivers
- Car insurance quotes for senior drivers in CO
- Cheap car insurance with bad credit in CO
- FAQs
Cheapest car insurance quotes in Colorado
Colorado drivers pay an average of $90 per month for liability insurance and $190 per month for full-coverage insurance. These rates are slightly higher than the national average, partly because Colorado has a higher car theft rate and a greater risk of damage from hailstorms.
These prices are based on Insurify’s analysis of rates across 120+ car insurance companies.
Driver Category | Cheapest Insurance Company in Colorado | Cheapest Monthly Quote in CO |
|---|---|---|
| Overall | State Farm | $59 |
| State-minimum coverage | State Farm | $59 |
| Full coverage | State Farm | $120 |
| Drivers with a clean record | State Farm | $59 |
| After a speeding ticket | State Farm | $76 |
| After an at-fault accident | State Farm | $77 |
| After a DUI | State Farm | $85 |
| Teen/new drivers | State Farm | $114 |
| Seniors | State Farm | $45 |
| Bad credit | State Farm | $85 |
Cheapest liability-only car insurance in Colorado: State Farm
Colorado law requires drivers to have liability insurance, which covers third-party property damage and medical bills if you cause an accident.
Liability insurance is more affordable than full coverage, but it doesn’t cover your vehicle or your medical expenses. State Farm offers the most affordable minimum-coverage car insurance in the state, with an average premium of $59 per month.
Here’s a look at the companies with the cheapest liability-only auto insurance rates in Colorado.
)
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 | Average Monthly Quote |
|---|---|
| State Farm | $59 |
| Sun Coast | $70 |
| USAA | $76 |
| The General | $77 |
| Mile Auto | $77 |
| Root | $79 |
| Progressive | $80 |
| American Family | $82 |
| Bristol West | $87 |
| GEICO | $90 |
| Allstate | $92 |
| Nationwide | $98 |
| Auto-Owners | $105 |
| Insurify Car | $107 |
| Mendota | $107 |
| Safeco | $116 |
| Trexis | $116 |
| National General | $123 |
| Dairyland | $129 |
| Direct Auto | $130 |
| Travelers | $149 |
| Farmers | $155 |
| Liberty Mutual | $207 |
Agent Tip: Does liability-only coverage offer enough protection?
)
Britney Balk
Customer Service Supervisor, Insurify
Although a liability-only policy is all that’s required to drive legally in Colorado, keep in mind that it may not provide enough coverage if you cause a serious accident. Medical expenses and repair costs may exceed your policy limits, meaning you’d have to pay the difference out of pocket. Remember, too, that a liability-only policy won’t pay to repair or replace your car if the accident’s your fault.
Cheapest full-coverage car insurance in Colorado: State Farm
To protect yourself against liability claims while also covering your vehicle, consider a full-coverage policy. Full coverage typically includes collision and comprehensive coverage, as well as higher liability limits.
Although it’s more expensive than a liability-only policy, full coverage protects your car if you cause an accident. State Farm offers the lowest rates for full-coverage policies, averaging $120 per month.
The table below shows which companies have the cheapest full-coverage premiums in Colorado.
)
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 | Average Monthly Quote |
|---|---|
| State Farm | $120 |
| USAA | $155 |
| Root | $158 |
| American Family | $166 |
| Progressive | $167 |
| Mile Auto | $183 |
| GEICO | $184 |
| Allstate | $186 |
| Bristol West | $194 |
| The General | $196 |
| Nationwide | $200 |
| Safeco | $205 |
| Sun Coast | $214 |
| Auto-Owners | $214 |
| Direct Auto | $262 |
| National General | $263 |
| Mendota | $264 |
| Travelers | $302 |
| Trexis | $304 |
| Liberty Mutual | $309 |
| Farmers | $316 |
| Dairyland | $324 |
Cheapest recent car insurance quotes in Colorado
Recent Colorado car insurance prices for Subaru, Jeep, Honda , and more.
*Quotes generated for Insurify users from Colorado within the last 10 days. Last updated on March 2, 2026. 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 March 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Insurify Car: One-week car insurance for Colorado drivers
If you’re seeking a flexible car insurance option in Colorado, Insurify Car is worth exploring. Unlike traditional long-term car insurance policies, Insurify Car provides weekly coverage.
Once you apply, your coverage can begin in just a few minutes. You can then choose a cancellation date or let the policy continue to roll from week to week.
Insurify Car is an ideal choice for temporary car insurance in Colorado, or if you drive only occasionally and don’t want to pay for coverage you don’t need.
Best cheap car insurance companies in Colorado
Though car insurance rates in the Centennial State are typically higher than the national average, it’s still possible to find affordable coverage. Let’s take a closer look at some of the best car insurance companies in Colorado based on price, customer satisfaction, and optional coverages offered.
Mile Auto: Best for low-mileage drivers in Colorado
| 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. | 8.8 /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. | $77/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. | $183/mo |
Drivers appreciate the quality service but find the rates high and claim processing slow.
Drivers appreciate the quality service but find the rates high and claim processing slow.
Colorado has among the highest percentages of remote workers in the country.[1] If you’re among the nearly 32% of remote workers in Colorado or are retired and don’t drive often, Mile Auto can be a solid choice.
Each month, you’ll pay a low base rate plus a fee for the miles you drive, potentially saving 30% to 40% off your current rates.
Significant savings for occasional drivers
Doesn’t monitor driving habits
Easy online quote process
No advertised discounts
Not rated by J.D. Power for customer satisfaction
Not accredited by the Better Business Bureau (BBB)
Progressive: Best for young drivers in Colorado
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| 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. | 8.7 /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. | $80/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. | $167/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
About 20% of Colorado residents are younger than 18, according to the latest U.S. Census Bureau estimates.[2] In Colorado, Progressive offers affordable car insurance for teens and young drivers.
Young drivers may qualify for discounts like teen driver, good student, distant student, and Snapshot safe driver, helping you save even more.
Long list of available car insurance discounts
Usage-based Snapshot program rewards safe driving
Below-average rates for teen and young drivers
Below-average J.D. Power claims satisfaction rating in Colorado
Poor Trustpilot rating
Poor driving with Snapshot can increase rates
State Farm: Best for cheap premiums in Colorado
| User Reviews | 4.0 |
|---|---|
| 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. | $59/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. | $120/mo |
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.
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.
In Colorado, State Farm has some of the lowest car insurance premiums. In addition to its low rates, you can save through the Drive Safe & Save telematics program or Steer Clear if you’re younger than 25.
While State Farm advertises a bundling discount, it doesn’t offer many other ways to save. But if you value local service, you’ll likely find an agent nearby. Denver alone has close to 250 State Farm insurance agents.
Hundreds of local agents throughout Colorado
Above-average J.D. Power claims satisfaction rating in Colorado
Available rental car reimbursement
Gap insurance not available
Fewer discounts than competitors
Negative Trustpilot reviews
How car insurance costs in Colorado have changed
As in many parts of the U.S., car insurance rates in Colorado have increased over the past few years. Premiums are higher than the national average and are likely to continue increasing in 2026.
Rates in Colorado are higher than the national average in part because the state faces a greater risk of windstorms, which can lead to wildfires.[3] Colorado is also one of the most hail-prone states in the country, increasing the chance of vehicle damage.[4]
Theft rates are also higher in Colorado. In 2024, the state had the fourth-highest car theft rate in the country, according to the National Insurance Crime Bureau.[5]
Insurify projects that by the end of 2026, Colorado drivers will pay an average of $2,578 annually for coverage.
Average car insurance costs in Colorado over time
The following graph shows car insurance rates in Colorado over the past five years.
Average Colorado Car Insurance Rates Over the Past Five Years
Shop for Car Insurance in Colorado
Insurify partners with 120+ top insurers for real-time quotes
Colorado car insurance requirements
To drive legally in Colorado, you must have the following minimum coverage:[6]
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $15,000 per accident
Keep in mind that these are the minimum auto insurance requirements in Colorado. With a minimum-requirement car policy, you may only have partial protection if you’re at fault in an accident that injures another party or causes property damage.
If you can’t afford to repair or replace your car out of pocket, consider adding collision and comprehensive coverage.
Car insurance rates across Colorado cities
Car insurance costs in Colorado vary by city. For example, larger cities like Aurora and Broomfield have some of the most expensive rates. In contrast, Grand Junction has some of the state’s lowest premiums.
The table below shows average monthly insurance rates for six Colorado cities.
City | Average Monthly Quote |
|---|---|
| Fort Collins | $125 |
| Grand Junction | $107 |
| Greeley | $134 |
| Longmont | $130 |
| Loveland | $124 |
| Pueblo | $146 |
Car insurance quotes in Colorado for drivers with a clean record: State Farm
Colorado drivers with a clean driving record — free of speeding tickets, at-fault accidents, and driving under the influence (DUI) convictions — pay an average of $90 per month for liability-only insurance.
The following table shows the companies with the cheapest average liability rates for Colorado drivers with clean records.
)
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 | Average Monthly Quote |
|---|---|
| State Farm | $58 |
| Sun Coast | $72 |
| USAA | $74 |
| The General | $74 |
| Mile Auto | $75 |
| Root | $80 |
| American Family | $81 |
| Progressive | $83 |
| Bristol West | $86 |
| GEICO | $90 |
| Allstate | $92 |
| Nationwide | $94 |
| Auto-Owners | $103 |
| Insurify Car | $111 |
| Mendota | $111 |
| National General | $115 |
| Trexis | $120 |
| Dairyland | $123 |
| Safeco | $126 |
| Direct Auto | $127 |
| Travelers | $146 |
| Farmers | $149 |
| Liberty Mutual | $220 |
Cheapest car insurance in Colorado for drivers with a speeding ticket: State Farm
If you’re convicted of driving 25 or more miles per hour (mph) over the speed limit in Colorado, you’ll get a minimum $150 fine and could even face jail time.[7] Colorado drivers with a speeding ticket on their record pay an average of $117 per month for liability coverage.
The table below shows the cheapest rates for high-risk drivers in Colorado with a speeding ticket.
)
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 | Average Monthly Quote |
|---|---|
| State Farm | $76 |
| Sun Coast | $91 |
| Mile Auto | $96 |
| USAA | $100 |
| Progressive | $104 |
| The General | $105 |
| Root | $107 |
| American Family | $108 |
| Bristol West | $111 |
| GEICO | $120 |
| Allstate | $122 |
| Nationwide | $129 |
| Auto-Owners | $139 |
| Insurify Car | $139 |
| Mendota | $139 |
| Trexis | $151 |
| Safeco | $156 |
| National General | $156 |
| Dairyland | $164 |
| Direct Auto | $166 |
| Travelers | $197 |
| Farmers | $202 |
| Liberty Mutual | $268 |
Affordable car insurance in Colorado with an at-fault accident: State Farm
Colorado law requires drivers to immediately report accidents resulting in serious injury or death to law enforcement. If you have an at-fault accident on your record, liability-only insurance averages $117 per month.
The table below highlights insurers with the lowest average rates for Colorado drivers with an at-fault accident.
)
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 | Average Monthly Quote |
|---|---|
| State Farm | $77 |
| Sun Coast | $91 |
| USAA | $101 |
| Mile Auto | $103 |
| Progressive | $104 |
| The General | $105 |
| Root | $105 |
| American Family | $109 |
| Bristol West | $114 |
| GEICO | $116 |
| Allstate | $122 |
| Nationwide | $131 |
| Auto-Owners | $138 |
| Insurify Car | $139 |
| Mendota | $139 |
| Trexis | $151 |
| Safeco | $161 |
| National General | $162 |
| Dairyland | $169 |
| Direct Auto | $176 |
| Travelers | $199 |
| Farmers | $205 |
| Liberty Mutual | $274 |
Cheap car insurance quotes for Colorado drivers with a DUI: State Farm
A first-time DUI conviction in Colorado means you’ll automatically lose your license for nine months. You may also face jail time, hours of community service, and large fines. Liability-only insurance for drivers with a DUI averages $127 per month.
The following table shows insurers with the cheapest average rates for drivers with a DUI in Colorado.
)
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 | Average Monthly Quote |
|---|---|
| State Farm | $85 |
| Sun Coast | $98 |
| USAA | $109 |
| The General | $111 |
| Mile Auto | $111 |
| Progressive | $112 |
| Root | $115 |
| American Family | $118 |
| Bristol West | $125 |
| GEICO | $129 |
| Allstate | $132 |
| Nationwide | $141 |
| Insurify Car | $150 |
| Mendota | $150 |
| Auto-Owners | $151 |
| Trexis | $163 |
| National General | $177 |
| Safeco | $178 |
| Dairyland | $185 |
| Direct Auto | $187 |
| Travelers | $214 |
| Farmers | $223 |
| Liberty Mutual | $297 |
Cheapest car insurance for drivers with an SR-22 in Colorado: State Farm
In Colorado, you can lose your license for DUI, driving without insurance, or leaving the scene of an accident. To reinstate it, you’ll need an SR-22 form from your insurer, which notifies the Department of Motor Vehicles if your policy is canceled.
A liability-only policy with an SR-22 in Colorado averages $101 per month.
The table below shows insurance companies with the cheapest average rates for Colorado drivers with an SR-22.
)
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 | Average Monthly Quote |
|---|---|
| State Farm | $66 |
| Sun Coast | $79 |
| USAA | $86 |
| The General | $87 |
| Mile Auto | $87 |
| Root | $89 |
| Progressive | $90 |
| American Family | $92 |
| Bristol West | $98 |
| GEICO | $101 |
| Allstate | $104 |
| Nationwide | $110 |
| Auto-Owners | $118 |
| Insurify Car | $120 |
| Mendota | $120 |
| Safeco | $131 |
| Trexis | $131 |
| National General | $138 |
| Dairyland | $145 |
| Direct Auto | $146 |
| Travelers | $168 |
| Farmers | $175 |
| Liberty Mutual | $233 |
Compare Colorado Car Insurance Quotes
Check quotes from 120+ top insurance companies
Cheapest car insurance for teen drivers in Colorado: State Farm
In Colorado, teenagers must be at least 16 years old to drive, and they’re not allowed to drive from midnight to 5 a.m. unless they’re with a parent or guardian. Insurance rates for teens in Colorado average $163 per month for an auto policy with liability-only coverage.
The following table shows the companies with the cheapest average car insurance rates for teens and young drivers in Colorado.
)
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 | Average Monthly Quote |
|---|---|
| State Farm | $114 |
| Sun Coast | $127 |
| The General | $135 |
| Root | $136 |
| USAA | $141 |
| Progressive | $145 |
| Bristol West | $155 |
| American Family | $155 |
| Mile Auto | $159 |
| GEICO | $161 |
| Allstate | $182 |
| Nationwide | $192 |
| Insurify Car | $194 |
| Mendota | $194 |
| Trexis | $210 |
| Auto-Owners | $211 |
| Dairyland | $219 |
| Safeco | $234 |
| National General | $249 |
| Direct Auto | $250 |
| Farmers | $308 |
| Travelers | $309 |
| Liberty Mutual | $364 |
Cheap car insurance quotes in Colorado for senior drivers: State Farm
Seniors in Colorado make up 15% of the state’s population, with that number expected to grow to 25% within the next 25 years.[8]
In Colorado, the average rate for senior drivers age 60 and older is $74 per month for liability-only car insurance.
The table below shows the cheapest premiums for senior drivers in Colorado.
)
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 | Average Monthly Quote |
|---|---|
| State Farm | $45 |
| Sun Coast | $58 |
| Mile Auto | $59 |
| USAA | $60 |
| The General | $63 |
| American Family | $64 |
| Root | $65 |
| Progressive | $66 |
| GEICO | $70 |
| Bristol West | $71 |
| Nationwide | $73 |
| Allstate | $73 |
| Auto-Owners | $81 |
| Insurify Car | $88 |
| Mendota | $88 |
| National General | $94 |
| Trexis | $96 |
| Safeco | $99 |
| Direct Auto | $102 |
| Dairyland | $107 |
| Travelers | $116 |
| Farmers | $120 |
| Liberty Mutual | $169 |
Colorado car insurance quotes with bad credit: State Farm
In Colorado, insurers can consider your credit when determining your premium, but not as grounds for canceling or denying coverage. If you have poor credit in Colorado, a liability-only policy averages $113 per month.
In contrast, drivers with excellent credit in Colorado pay an average of $83 per month for liability insurance.
The following table highlights companies with the cheapest rates for drivers with bad credit in Colorado.
)
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 | Average Monthly Quote |
|---|---|
| State Farm | $85 |
| Sun Coast | $88 |
| USAA | $93 |
| The General | $95 |
| Mile Auto | $95 |
| Root | $97 |
| American Family | $98 |
| Progressive | $100 |
| Bristol West | $107 |
| GEICO | $111 |
| Allstate | $113 |
| Nationwide | $121 |
| Insurify Car | $134 |
| Mendota | $134 |
| Safeco | $143 |
| Trexis | $145 |
| National General | $152 |
| Auto-Owners | $156 |
| Dairyland | $159 |
| Direct Auto | $160 |
| Travelers | $184 |
| Farmers | $191 |
| Liberty Mutual | $248 |
Find Cheap Car Insurance in Colorado
Liability quotes start at $59 per month
Colorado car insurance FAQs
For more information on buying car insurance in Colorado, see the answers to frequently asked questions below.
Which company has the cheapest car insurance in Colorado?
In Colorado, State Farm has the cheapest car insurance premiums, at an average of $59 per month. Rates vary based on your driving history, though, so it pays to shop around and compare quotes.
How can you find the cheapest vehicle insurance?
You can find the cheapest vehicle insurance by comparing quotes before your policy renews, asking about car insurance discounts, raising your deductibles, or dropping comprehensive and collision coverage.
Is AAA cheaper than GEICO?
No. In Colorado, AAA costs about $252 per month for full coverage, while GEICO averages $184 per month.
How can you lower your car insurance in Colorado?
Various factors affect your insurance rates. But you can lower your car insurance in Colorado by maintaining a clean driving record, enrolling in a usage-based insurance program, reducing your coverage, driving fewer miles, and asking your insurer about discounts you qualify for.
Why is Colorado car insurance so high?
Colorado drivers pay more for insurance than in other parts of the country for several reasons. Colorado has higher-than-average vehicle theft rates and is prone to damaging hailstorms and wildfires.
Methodology
Insurify data scientists analyzed more than 190 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
- 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.
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Gap Insurance in Colorado
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Car Insurance for High-Risk Drivers in Colorado
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Car Insurance After a DUI in Colorado
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Average Car Insurance Cost in Colorado
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Cheapest Car Insurance Quotes in Loveland, CO,
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Best Cheap Car Insurance in Pueblo, CO, From $61
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Cheap Car Insurance in Longmont, CO, Starting at $56
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Best Cheap Car Insurance in Fort Collins, CO, From $51
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Cheap Car Insurance in Greeley, CO, Starting at $56
)
Cheap Car Insurance in Grand Junction, CO, Starting at $45
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Best Cheap Car Insurance in Denver, CO, From $67
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Best Cheap Car Insurance in Boulder, CO, From $52
Sources
- U.S. Bureau of Labor Statistics. "States: Persons at work by telework status, 2023 annual averages."
- United States Census Bureau. "QuickFacts Colorado."
- Colorado Water Conservation Board, Department of Natural Resources. "Climate Change in Colorado."
- Community Collaborative Rain, Hail & Snow Network. "Hail Facts: Information Sheet on Hail in Colorado."
- Colorado State Patrol Department of Public Safety. "OLORADO AUTO THEFT ANNUAL REPORT | 2024."
- Colorado General Assembly. "Mandatory Automobile Insurance in Colorado."
- Colorado General Assembly. "Penalties for Speeding Violations."
- State of Colorado. "Colorado's Multi-Sector Plan on Aging."
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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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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