Cheapest Auto Insurance in Colorado (2024)
State Farm offers the cheapest liability-only car insurance in Colorado, with a monthly rate of $46.
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Written byMelanie Lockert
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10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
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.”
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Edited byAshley Cox
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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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Data reviewed byKonstantin Halachev
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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 November 21, 2024
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Table of contents
Car insurance in Colorado costs an average of $158 per month, compared to the national average of $154 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 $46 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.
3 of the cheapest car insurance companies in Colorado
State Farm, USAA, and American Family provide some of the cheapest car insurance in Colorado, with liability rates starting at $46 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, and vehicle make and model.
Insurance Company ▲▼ | 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. ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|---|
| State Farm | 9.3 | $46 | $97 |
| American Family | 9.1 | $63 | $134 |
| USAA | 9.4 | $59 | $125 |
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 more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses 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 28,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
State Farm
| User Reviews | 4.2 |
|---|---|
| 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. | $46/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. | $97/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
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
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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
Long-standing history in the insurance industry
Cons
Must finalize quote with an agent
Fewer discounts than some competitors
Accident forgiveness not available
American Family
| 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. | 9.1 /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. | $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. | $134/mo |
4.5
Best choiceBased on 386 verified guest reviews and ratings
How drivers feel about American Family
Drivers appreciate the responsive customer service and reliability but dislike the high prices and frequent rate increases.
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 responsive customer service and reliability but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (207)
Stephanie
November 5, 2024
Verified Review
It started out okay. My six-month policy was over and immediately, I received a rate hike of 124 dollars. I question why this is the case as I am an excellent driver. I'm tired of feeling punished for the actions of other irresponsible drivers. Additionally, I was informed that my insurance will continue to increase and they don't foresee any changes soon. It's not something I'm looking forward to. Thanks!
It started out okay. My six-month policy was over and immediately, I received a rate hike of 124 dollars. I question why this is the case as I am an excellent driver. I'm tired of feeling punished for the actions of other irresponsible drivers. Additionally, I was informed that my insurance will continue to increase and they don't foresee any changes soon. It's not something I'm looking forward to. Thanks!
Devona
November 5, 2024
Verified Review
Line by Line to Save Money
Go through every line item with your agent!
Joseph
November 4, 2024
Verified Review
Looking for Better
Beware of renewal periods, as American Family increases the premium amount at every renewal stage, even without you having any claims or violations.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.3A.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).
AWhy 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
Usage-based insurance program not available in Colorado
USAA
| 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. | 9.4 /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. | $125/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
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
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.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 SafePilot program
Cons
Restrictive membership eligibility
Limited optional coverages
No live 24/7 customer support
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, 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 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.
Find Cheap Car Insurance in Colorado
Liability rates average $95 per month
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Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance 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 $95 per month.
Here are the cheapest insurers for Colorado liability insurance.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $46 |
| USAA | $59 |
| American Family | $63 |
| GEICO | $70 |
| Allstate | $71 |
| Nationwide | $76 |
| Root | $76 |
| Sun Coast | $76 |
| Progressive | $81 |
| Auto-Owners | $82 |
| The General | $88 |
| Bristol West | $94 |
| Safeco | $109 |
| Dairyland | $113 |
| Foremost | $115 |
| Travelers | $115 |
| Farmers | $121 |
| Direct Auto | $127 |
| National General | $147 |
| Liberty Mutual | $196 |
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 insurance covers damage due to non-collision events, like severe weather and theft.
Colorado drivers pay $221 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: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $97 |
| USAA | $125 |
| American Family | $134 |
| Root | $136 |
| GEICO | $148 |
| Allstate | $151 |
| Nationwide | $161 |
| Progressive | $170 |
| Auto-Owners | $173 |
| Sun Coast | $185 |
| Safeco | $199 |
| The General | $234 |
| Bristol West | $236 |
| Travelers | $244 |
| Farmers | $255 |
| Dairyland | $267 |
| National General | $293 |
| Direct Auto | $294 |
| Liberty Mutual | $315 |
| Foremost | $350 |
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.
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 ▲▼ | Amount ▲▼ |
|---|---|
| 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 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.
Cheapest recent rates in Colorado
Drivers in and around Colorado have found policies from The General, Allstate, Dairyland, and more, through Insurify in the last few days.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 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 November 21, 2024. 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 November 21, 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 November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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]
Drivers in Colorado with a speeding ticket pay an average of $137 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: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $46 | $60 |
| USAA | $59 | $78 |
| American Family | $63 | $83 |
| GEICO | $70 | $92 |
| Allstate | $71 | $94 |
| Nationwide | $76 | $101 |
| Root | $76 | $108 |
| Sun Coast | $76 | $110 |
| Progressive | $81 | $106 |
| Auto-Owners | $82 | $109 |
| The General | $88 | $118 |
| Bristol West | $94 | $125 |
| Safeco | $109 | $146 |
| Dairyland | $113 | $149 |
| Foremost | $115 | $163 |
| Travelers | $115 | $153 |
| Farmers | $121 | $159 |
| Direct Auto | $127 | $168 |
| National General | $147 | $195 |
| Liberty Mutual | $196 | $278 |
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.
Liability-only insurance in Colorado costs $132 per month, on average, for drivers with an at-fault accident on their record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Clean Driving Record ▲▼ | With At-Fault Accident ▲▼ |
|---|---|---|
| State Farm | $46 | $61 |
| USAA | $59 | $79 |
| American Family | $63 | $84 |
| GEICO | $70 | $94 |
| Allstate | $71 | $95 |
| Nationwide | $76 | $102 |
| Root | $76 | $108 |
| Sun Coast | $76 | $106 |
| Progressive | $81 | $109 |
| Auto-Owners | $82 | $110 |
| The General | $88 | $119 |
| Bristol West | $94 | $125 |
| Safeco | $109 | $144 |
| Dairyland | $113 | $149 |
| Foremost | $115 | $163 |
| Travelers | $115 | $154 |
| Farmers | $121 | $161 |
| Direct Auto | $127 | $173 |
| National General | $147 | $196 |
| Liberty Mutual | $196 | $279 |
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. Drivers in Colorado with a DUI pay monthly averages of $151 for liability coverage and $352 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: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $46 | $75 |
| USAA | $59 | $96 |
| American Family | $63 | $102 |
| GEICO | $70 | $113 |
| Allstate | $71 | $115 |
| Nationwide | $76 | $123 |
| Root | $76 | $110 |
| Sun Coast | $76 | $121 |
| Progressive | $81 | $131 |
| Auto-Owners | $82 | $133 |
| The General | $88 | $143 |
| Bristol West | $94 | $152 |
| Safeco | $109 | $164 |
| Dairyland | $113 | $183 |
| Foremost | $115 | $186 |
| Travelers | $115 | $186 |
| Farmers | $121 | $196 |
| Direct Auto | $127 | $206 |
| National General | $147 | $238 |
| Liberty Mutual | $196 | $318 |
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 pay a monthly average of $70 for liability-only car insurance. Explore affordable insurance options for seniors in the table below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $34 | $71 |
| USAA | $44 | $94 |
| American Family | $47 | $99 |
| GEICO | $53 | $111 |
| Nationwide | $53 | $113 |
| Allstate | $54 | $114 |
| Progressive | $55 | $115 |
| Sun Coast | $56 | $136 |
| Root | $60 | $108 |
| Auto-Owners | $61 | $129 |
| The General | $67 | $179 |
| Bristol West | $71 | $178 |
| Dairyland | $85 | $201 |
| Travelers | $85 | $180 |
| Foremost | $87 | $264 |
| Safeco | $88 | $161 |
| Farmers | $89 | $188 |
| Direct Auto | $93 | $216 |
| National General | $106 | $211 |
| Liberty Mutual | $155 | $250 |
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.
Liability insurance costs an average of $172 for Colorado teens, and full coverage costs $400 per month.
Teenagers in Colorado pay the highest rate for car insurance. Rates drop further in the 20s and 30s age bracket and mostly trend downward.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $82 | $172 |
| USAA | $102 | $216 |
| American Family | $112 | $239 |
| GEICO | $116 | $244 |
| Root | $117 | $210 |
| Allstate | $130 | $278 |
| Nationwide | $137 | $290 |
| Sun Coast | $137 | $335 |
| Auto-Owners | $142 | $300 |
| The General | $144 | $384 |
| Progressive | $147 | $308 |
| Bristol West | $164 | $410 |
| Dairyland | $188 | $445 |
| Foremost | $211 | $641 |
| Travelers | $214 | $455 |
| Safeco | $216 | $394 |
| Farmers | $218 | $460 |
| Direct Auto | $239 | $554 |
| National General | $298 | $593 |
| Liberty Mutual | $347 | $558 |
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.
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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.
Rates by Credit Tier
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, USAA, and American Family. These insurers have the best prices in the state for liability-only insurance, of $46, $59, and $63 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 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.
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
- 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.
Related articles
More cities in Colorado
Sources
- III. "Facts + Statistics: Uninsured motorists."
- Colorado Department of Local Affairs. "2020 Colorado Urban Areas."
- National Safety Council. "Speeding."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
- Centers for Disease Control and Prevention. "Teen Driver and Passenger Safety."
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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.
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