Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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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Cheapest recent rates in Colorado
Drivers using Insurify have found quotes as cheap as $59/mo for liability only and $98/mo for full coverage in Colorado.
*Quotes generated for Insurify users from Colorado within the last 10 days. Last updated on April 17, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 April 17, 2024. 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 April 17, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 April 17, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance in Colorado costs an average of $148 per month, compared to the national average of $158 per month.
Colorado’s uninsured motorists could be driving up rates across the state. Colorado requires car insurance to drive legally, but 16.3% of drivers in the state are uninsured, compared to 12.6% 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 $47 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.
Colorado car insurance rates increased by 4% in 2023, compared to 17% nationally.
Cheapest car insurance companies in Colorado
State Farm, USAA, and American Family provide the cheapest car insurance in Colorado, with liability rates starting at $47.
However, 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, and vehicle make and model. Comparing quotes from multiple insurers can help you find the best deal for you.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Liability Only
Full Coverage
Best For
State Farm
4.5
$47
$98
Overall
American Family
4.3
$65
$135
Low rates
USAA
4.5
$61
$127
Military members and families
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
Best car insurance overall in Colorado: State Farm
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$47/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.
$98/mo
State Farm offers Colorado drivers cheap car insurance, with monthly rates of $47 for liability coverage.
State Farm’s high rating and low rates can be attractive for people looking for affordable and reliable car insurance coverage in Colorado. Plus, you may be eligible for numerous discounts — especially if you have multiple policies with the company. Teen drivers may also qualify for savings of up to 25% by getting good grades.
As the top car insurance company in the nation by market share, State Farm is a reputable insurer. It has relatively high customer satisfaction, with 891 points out of 1,000 in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study.
Pros
Some of the cheapest rates in Colorado
Discounts available for good drivers and teen drivers
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840
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.
$65/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.
$135/mo
American Family car insurance has some of the lowest rates for Colorado drivers, at $65 per month for liability coverage and $135 per month for full coverage. It also earned a solid ranking in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study, with 882 out of 1,000 points.
The company stands out for its various insurance products, including unique offerings such as insurance for farms and ranches, businesses, or snowmobiles. You could save up to 27% if you bundle American Family’s auto insurance, home insurance, and life insurance.
If you need customer assistance, you have several ways to reach out to a company representative, including mobile app, email, phone, or chat.
Pros
Affordable car insurance
No. 2 in Southwest for J.D. Power customer satisfaction
Plenty of coverage options available
Cons
Below-average J.D. Power digital experience rating
Fewer discounts than other insurers
Usage-based insurance program not available in Colorado
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$61/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.
$127/mo
USAA offers some of the most competitive pricing in car insurance alongside high levels of customer satisfaction. The average cost of liability coverage with USAA is $61 per month. The caveat is that USAA is exclusively available to current and past members of the military and their families. The general population doesn’t qualify for these rates.
Eligible Colorado drivers may get additional savings through the company’s plentiful discounts, including saving up to 3% with automatic payments, 10% by bundling home and auto policies, and 15% off your auto insurance when storing your vehicle at a military base.
Pros
Competitive rates
High customer satisfaction
Savings of up to 30% possible via SafePilot program
USAA Excellence for Auto and Personal Property Insurance
Excellent.
Joseph - April 13, 2024
Verified
Excellent
It has been very good for a long time.
Candace - April 12, 2024
Verified
USAA Didn't Look Out for Me!
I was overcharged and rated incorrectly.
…
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 potentially your credit.
To get cheap car insurance in Colorado, consider the following:
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 a military member 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.
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Cheapest liability-only car insurance in Colorado: State Farm
Liability auto insurance is required in Colorado, 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.
The cheapest insurance company for liability-only car insurance in Colorado is State Farm, with rates of $47 per month.
Here are the cheapest insurers for Colorado liability insurance.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 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 accidents or hitting other objects, while comprehensive covers damage due to other events, like severe weather and theft.
State Farm offers the cheapest full-coverage insurance in Colorado, with a cost of $98 per month.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
These requirements cover you if you’re found at fault for 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 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) charge 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.
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Monthly rates start at $56 for drivers with an incident
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Cheapest car insurance 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]
The cheapest insurance company for Colorado drivers with a speeding ticket is State Farm, with monthly rates of $61.
Here’s how insurance companies’ average monthly quotes change after a speeding ticket in Colorado.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 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.
If you have an at-fault accident on record, you could still find rates as low as $61 per month from State Farm.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 for drivers with a DUI: State Farm
A DUI will lead to an increase in your insurance premium, but practicing safe driving behavior or taking courses approved by your insurer could reduce your rate over time.
State Farm offers rates as low as $74 per month for drivers with a DUI on record.
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: Wednesday, April 17 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 for seniors: State Farm
Seniors typically pay less for car insurance, though rates start to rise in their 70s due to increased vulnerability in a crash and medical issues that can slow reaction times.[4]
Senior drivers in Colorado can find monthly rates as low as $32 for liability coverage from State Farm.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 for teens: State Farm
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.
Teenagers in Colorado pay the highest rate for car insurance. Rates drop further in the 20s and 30s age bracket and mostly trend downward.
Comparison shopping can help teen drivers in Colorado find rates as low as $81 per month from State Farm.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Colorado car insurance quotes by credit tier
Many states allow insurers to factor in your credit history when calculating your car insurance rates, and Colorado is one of these states.[6] 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 tend to pay cheaper car insurance premiums, and drivers with poor credit pay more expensive premiums.
The table below shows what you can expect to pay each month based on your credit tier in Colorado.
Credit Tier
Average Quote: Liability Only
Average Quote: Full Coverage
Excellent
$130
$234
Good
$153
$277
Average
$168
$304
Poor
$261
$472
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Colorado car insurance FAQs
Looking for more information about car insurance in Colorado? Find the answers to your questions here.
Who has the cheapest car insurance in Colorado?
The top three cheapest insurance companies in Colorado are State Farm, USAA, and American Family. These insurers have the best prices in the state for liability-only insurance, of $47, $61, and $65 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.
What are the best car insurance companies in Colorado?
Some of the best car insurance companies in Colorado that Insurify identified are State Farm, USAA, and American Family. These companies have high Insurify Quality Scores, low rates, and strong customer satisfaction ratings.
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 not a no-fault state. This means if you’re injured in a car accident or your car suffers damage, you have the right to sue the driver responsible for the accident.
Insurify Insights
How Colorado Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Colorado below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Colorado drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more. Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Ford F-Series Pickup
Most Popular Car in Colorado
#7
State with the Most Speeding Tickets Rank
#8
State with the Moving Violations Rank
#12
State with the Most DUIs Rank
#18
State with the most Suspended Licenses
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Colorado is the #15 state in the country for drivers with an at-fault accident on their driving record.
Rank among states: #15
Percent of drivers in Colorado with an accident: 9.6%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Colorado is the #12 state in the country for drivers with a prior drunk driving conviction.
Rank among states: #12
Percent of drivers in Colorado with a DUI: 2%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Colorado is the #13 state in the country for drivers with a reckless driving offense on record.
Rank among states: #13
Percent of drivers in Colorado with a reckless driving offense: 1.7%
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Colorado is the #11 state in the country for drivers with a rude driving violation on record.
Rank among states: #11
Percent of drivers in Colorado with a rude driving violation: 2%
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Colorado is the #7 state in the country for drivers with a speeding ticket on record.
Rank among states: #7
Percent of drivers in Colorado with a speeding ticket: 11.4%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Colorado is the #10 state in the country for drivers with a failure to yield violation on record.
Rank among states: #10
Percent of drivers in Colorado with a failure to yield violation: 0.2%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
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 50+ 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.
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.
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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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