featured image
Car Insurance

Colorado: cheapest car insurance

Whether you’re moving to Colorado or looking for a new carrier, you’ll want to compare quotes and read our list of cheapest cities to drive in order to save the most money on auto insurance.

Colorful Colorado's Rocky Mountains are the highest elevation point in the U.S. But it's the state's world class skiing and outdoor sports that truly puts the Centennial State on top. So whether you’re moving here to experience the outdoorsy lifestyle or you’re looking for a new provider, you’ll want to find a company and premium that is also word class.

The state average for car insurance in Colorado is $1,186/year.

Even with this average you can end up spending more or less depending on where you live and which provider you choose. As with any state, costs vary greatly in Colorado with a range of about $508 between large scale urban cities and small suburban towns. Keep in mind that there is a correlation between urban areas and higher insurance premiums. Typically a higher population leads to more car accidents and thefts, so insurance providers raise their premiums to cover the cost of a high amount of claims. If the cost of car insurance is a deciding factor in where you make your move, then you’ll want to consult the list below for the cheapest cities in Colorado.

The cheapest cities in Colorado to insure your vehicle:

  1. Fort Collins - $ 1,002

  2. Loveland - $1,025

  3. LaPorte - $1,046

  4. Windsor - $1,059

  5. Longmont - $1,064

  6. Johnstown - $1,070

  7. Niwot - $1,071

  8. Greeley - $1,075

  9. Grand Junction - $1,077

  10. Lafayette - $1,087

Based on the above listing, you'll be able to estimate how much your insurance will be in these and surrounding cities. The prices were gained through extensive research, by ValuePenguin, based on several driver profiles that varied in age, gender, and marital status, but drove the same vehicle. Something to be aware of when looking at these prices is that all of the drivers had great driving records as well as good credit history. So if you don’t quite fit that criteria, then it might be best to tack on a few extra dollars in order to give yourself a more accurate estimate.

While shopping around, remember that you must carry the state minimum coverage set by Colorado that includes liability to cover other drivers’ medical and property damage expenses if you’re found at-fault in an accident. The state minimum has been set at 25/50/15 which includes: $25,000 coverage for bodily injury per person, $50,000 total coverage for bodily injury per accident, and $15,000 coverage for property damage. You might want to consider buying more than the state minimum if you’re worried you won’t be able to pay for uncovered bills out of pocket.

Start shopping with a comparison site that makes it easy to customize your coverage and earn discounts. Insurify’s intelligent, virtual agent can help assess what liability exactly fits your needs and give you the power to compare all carriers within your region to get you the best rate possible.