Cheapest Auto Insurance in Boulder, Colorado (2024)
State Farm offers the cheapest car insurance in Boulder, with minimum-coverage policies as low as $40 per month.
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Written byNick Dauk
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6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated November 21, 2024
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Table of contents
At the base of the Rocky Mountains, Boulder is full of dazzling sandstone formations called the Flatirons that draw visitors from miles around. These visitors join thousands of other Colorado drivers on Boulder’s roads, which is one of the many factors that influence the area’s car insurance rates. The city's severe weather and climate hazards also play a role in Boulder's car insurance rates.
Boulder’s overall average monthly car insurance cost is $139, which is slightly less than the statewide overall average of $158 per month. Your premium may be more or less depending on things like your driving record, ZIP code, and car type.
Here’s what you should know about comparing quotes and finding affordable coverage in Boulder.
Quick Facts
State Farm, USAA, and American Family have the cheapest car insurance in Boulder.
Boulder’s average car insurance costs are $88 per month for liability-only coverage and $191 per month for full coverage.
Boulder drivers pay a yearly average of $2,295 for full-coverage car insurance.
3 of the cheapest car insurance companies in Boulder
Before you begin comparing rates for car insurance in the Boulder area, know that the best auto insurance policy for you might not be the cheapest. Instead, look for the insurer that can provide you with the exact coverage you need for the price that fits well within your budget.
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. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $97 | $46 | Full coverage |
| USAA | 9.4 | $125 | $59 | Military families |
| American Family | 9.1 | $134 | $63 | Students |
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.
Best insurer for full coverage: 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. | $40/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. | $87/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
The largest U.S. auto insurer by market share, State Farm offers some of the lowest car insurance quotes in Boulder, including for liability-only and full-coverage policies. Rideshare drivers can easily add transportation network company (TNC) coverage to their policies, as well.
State Farm may be able to pay out claims with ease, but the claims process itself may be less than favorable, as noted by State Farm’s higher-than-average National Association of Insurance Commissioners (NAIC) customer complaint index. And drivers with new cars may find the lack of gap coverage with State Farm disappointing.
Pros
Rideshare insurance available
A++ (Superior) financial strength rating from AM Best, the highest level possible
Cons
Gap insurance not available
High rate of customer complaints with the NAIC
Best insurer for military families: 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. | $52/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. | $113/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
USAA may be a great option for military drivers searching for cheap car insurance with unique perks. Only active-duty military members or veterans, their families, and their children can be auto insurance policyholders. This membership is quite restrictive compared to other companies, though membership has its perks, like exclusive discounts for travel, dining, and shopping.
A great customer satisfaction score from a J.D. Power survey highlights happy policyholders; but some USAA members may be unhappy that they can’t reach a live agent on the phone 24/7.
Pros
High J.D. Power customer satisfaction rating in the Southwest region
Extensive member benefits beyond auto insurance
Cons
Limits membership to members of the military community
No 24/7 live customer service
Best insurer for students: 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. | $55/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. | $121/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
As the home of the University of Colorado’s main campus, Boulder drivers who are also students can benefit from potentially low rates for auto insurance from American Family. It has coverage options available for a variety of students, including rideshare insurance, 24/7 emergency roadside assistance, and original equipment manufacturer (OEM) coverage. Student-specific discounts make rates even lower.
Pros
Teen Safe Driver program
Student-specific discounts
Cons
Low customer ratings on Trustpilot
Only available in 18 states
How to get the cheapest car insurance in Boulder
It’s important to find the right auto insurance coverage for your needs, even if it’s not the cheapest auto insurance coverage. Rates change often, as do other savings incentives. To get the cheapest car insurance in Boulder, consider these tips:
Ask about loyalty perks. Your insurer may offer special discounts for longtime policyholders or give you a discount when bundling multiple policies, such as auto insurance and other personal insurance like homeowners insurance or renters insurance.
Ask about group insurance. If you belong to certain professional organizations, like an alumni group, or have certain employee benefits, you may be eligible for a cheaper group insurance policy.
Shop around. Since rates and incentives change regularly, it pays to shop around. You can use online comparison sites to see multiple car insurance quotes in minutes.
Reconsider coverage. If you drive an older, lower-value vehicle, it may not be worth insuring it with a full-coverage policy. Consider dropping optional coverages or reducing policy limits to save money.
Find Cheap Car Insurance in Boulder
Liability rates start at $40 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Boulder: State Farm
All Boulder residents need to meet the minimum auto insurance requirements, which is what liability-only coverage provides. Even when you compare car insurance rates from different companies, each insurer will offer the same state-required minimum levels of insurance under their liability-only auto insurance policies.
Liability-only coverage in Boulder costs an average of $88 per month.
Here are the cheapest car insurance companies for liability insurance in Boulder.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $40 |
| USAA | $52 |
| American Family | $55 |
| Allstate | $62 |
| GEICO | $62 |
| Nationwide | $67 |
| Root | $67 |
| Sun Coast | $67 |
| Progressive | $71 |
| Auto-Owners | $72 |
| The General | $77 |
| Bristol West | $83 |
| Safeco | $96 |
| Dairyland | $99 |
| Foremost | $101 |
| Travelers | $101 |
| Farmers | $106 |
| Direct Auto | $111 |
| National General | $128 |
| Liberty Mutual | $172 |
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 Boulder: State Farm
Insurers don’t have a set definition for full-coverage car insurance, but this type of policy usually includes comprehensive coverage and collision coverage, along with liability injury coverage and property liability coverage.
A full-coverage policy is typically more expensive than a liability-only policy, as it adds more financial protection to your coverage. While liability insurance covers injuries and damages you cause to others and their property, full coverage pays for your own damages and injuries — depending on the included coverages.
Full-coverage policies in Boulder cost $191 per month, on average.
If you want the cheapest full-coverage insurance in Boulder, start your search with the insurers below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $87 |
| USAA | $113 |
| Root | $120 |
| American Family | $121 |
| GEICO | $133 |
| Allstate | $135 |
| Nationwide | $144 |
| Progressive | $153 |
| Auto-Owners | $155 |
| Sun Coast | $161 |
| Safeco | $174 |
| The General | $206 |
| Bristol West | $209 |
| Travelers | $219 |
| Farmers | $229 |
| Dairyland | $234 |
| National General | $256 |
| Direct Auto | $257 |
| Liberty Mutual | $275 |
| Foremost | $306 |
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 recent rates near Boulder, Colorado
Drivers using Insurify have found quotes as cheap as $57/mo for liability only and $105/mo for full coverage in Boulder and other Colorado cities.
*Quotes generated for Insurify users in and around Boulder, Colorado 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 in and around Boulder, Colorado 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.
Car insurance requirements in Colorado
Increased public transportation between Boulder and Denver via the EcoPass, Neighborhood Pass, and CollegePass programs isn’t the only thing that’s changed for commuters since 2003. In the same year, Colorado changed from a no-fault state to an at-fault state. This means that drivers at fault in an accident are responsible for paying for the damages and injuries they cause to other parties. Drivers can usually pay for these losses through their liability insurance.
The current minimum insurance coverage state law requires includes bodily and property liability coverage.[1]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person per accident / $50,000 for all persons per accident |
| Property damage liability | $15,000 per accident |
While meeting Colorado’s minimum insurance requirements is enough to drive legally, it may not be enough coverage for everyone. Additional protection is available if you want more coverage than the minimum requirements provide. Colorado drivers could consider adding more auto insurance coverage, such as:
Comprehensive coverage
Comprehensive insurance provides protection against non-collision events like vandalism, theft, fire, and natural disasters.
Collision coverage
Collision insurance protects you if you hit a stationary object or another vehicle, even if you’re at fault. It also covers rollover accidents and damage from hitting a pothole.
Medical payments coverage
Medical payments insurance covers medical expenses and funeral costs for you and your passengers. Colorado requires insurers to offer a minimum of $5,000 in MedPay coverage, but you can decline it in writing if you don't want the coverage.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for your injuries if the driver that hit you doesn’t have sufficient insurance coverage. Colorado requires insurers to offer this coverage to all policyholders. But if you don't want it, you can decline it in writing.
Accident forgiveness
Purchasing optional accident forgiveness before an accident occurs can help ensure your car insurance premium doesn't rise after your first at-fault accident. Keep in mind, though, that you'll generally need to have a clean driving record for at least three years to qualify for this coverage.
Gap insurance
If you've leased or financed your vehicle, gap insurance can offer greater financial protection in case your car is totaled. Gap coverage can pay the difference between your remaining loan or lease balance and your car insurance payout. Without gap insurance, you could be on the hook for paying of your car loan or lease if your car is totaled.
Cheapest car insurance for drivers with an incident
Your car insurance premiums with a clean driving record will likely be much lower than if you have an incident on your driving record. Incidents can include things like speeding tickets and other traffic violations, driving under the influence, and being in an at-fault accident.
These incidents can affect your rate in different ways, but all are traffic violations that ultimately may lead to your insurer paying out a claim.
Shop for Car Insurance in Boulder, CO
Monthly rates start at $49 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: State Farm
No matter the roadway — but especially in construction zones and during inclement weather — speeding increases your chances of getting into a car accident. Speed is a contributing factor in car crashes, so it makes sense that an insurer might raise your rates for several years when you get a speeding ticket, even if you weren’t involved in an accident.[2]
Boulder drivers with a speeding ticket pay an average of $127 per month for liability coverage and $276 per month for full coverage.
If you need cheaper rates after getting a speeding ticket, check out the table below for the cheapest liability rates in Boulder for drivers with this incident.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $40 | $52 |
| USAA | $52 | $69 |
| American Family | $55 | $73 |
| Allstate | $62 | $82 |
| GEICO | $62 | $82 |
| Nationwide | $67 | $89 |
| Root | $67 | $95 |
| Sun Coast | $67 | $97 |
| Progressive | $71 | $93 |
| Auto-Owners | $72 | $96 |
| The General | $77 | $104 |
| Bristol West | $83 | $110 |
| Safeco | $96 | $128 |
| Dairyland | $99 | $131 |
| Foremost | $101 | $143 |
| Travelers | $101 | $134 |
| Farmers | $106 | $139 |
| Direct Auto | $111 | $147 |
| National General | $128 | $170 |
| Liberty Mutual | $172 | $244 |
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
Boulder had more than 1,400 traffic accidents in 2023, resulting in three fatalities and 470 injuries, according to Colorado Department of Transportation data. An at-fault accident — even when there are no injuries or significant property damage — is an incident that may raise your rates. Filing an at-fault claim forces your insurer to pay money for your claim; it’ll likely raise your rates to compensate for its financial loss.
Liability insurance costs $123 per month, on average, for drivers in Boulder with an accident.
Here are the liability rates of some of the cheapest auto insurance companies in Boulder for drivers with an at-fault accident.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $40 | $53 |
| USAA | $52 | $69 |
| American Family | $55 | $73 |
| Allstate | $62 | $83 |
| GEICO | $62 | $83 |
| Nationwide | $67 | $90 |
| Root | $67 | $96 |
| Sun Coast | $67 | $93 |
| Progressive | $71 | $95 |
| Auto-Owners | $72 | $96 |
| The General | $77 | $105 |
| Bristol West | $83 | $111 |
| Safeco | $96 | $127 |
| Dairyland | $99 | $131 |
| Foremost | $101 | $144 |
| Travelers | $101 | $136 |
| Farmers | $106 | $141 |
| Direct Auto | $111 | $151 |
| National General | $128 | $170 |
| Liberty Mutual | $172 | $244 |
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
Colorado has a high conviction rate for DUI charges, and officers can arrest a driver with any BAC if they seem impaired.[3] A DUI is a serious offense. In Colorado, DUIs stay on your motor vehicle record for 10 years, so people in Boulder who drive under the influence should anticipate high rate increases after a conviction. Some insurers may even drop them from the policy.
Boulder drivers with a DUI pay a monthly average of $140 for liability coverage. The cost for a full-coverage policy jumps to $304 per month.
The table below shows the liability rates of the cheapest auto insurers for drivers with a DUI in Boulder.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $40 | $65 |
| USAA | $52 | $84 |
| American Family | $55 | $89 |
| Allstate | $62 | $101 |
| GEICO | $62 | $101 |
| Nationwide | $67 | $109 |
| Root | $67 | $97 |
| Sun Coast | $67 | $107 |
| Progressive | $71 | $115 |
| Auto-Owners | $72 | $117 |
| The General | $77 | $125 |
| Bristol West | $83 | $135 |
| Safeco | $96 | $144 |
| Dairyland | $99 | $161 |
| Foremost | $101 | $164 |
| Travelers | $101 | $164 |
| Farmers | $106 | $172 |
| Direct Auto | $111 | $180 |
| National General | $128 | $208 |
| Liberty Mutual | $172 | $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 seniors: State Farm
Based on state data, it seems that as the senior population in Colorado increases, so does the number of fatal crashes.[4] Boulder drivers should anticipate a rate increase as they reach age 70, even if they’ve seen a rate decrease since they turned 25. This is because older adults have an increased risk of accidents.[5]
Senior drivers in Boulder pay $65 per month for a minimum-coverage policy, on average. Check out affordable rates for senior drivers in the table below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $64 | $29 |
| USAA | $85 | $39 |
| American Family | $89 | $41 |
| Root | $95 | $53 |
| GEICO | $100 | $47 |
| Nationwide | $101 | $47 |
| Allstate | $102 | $47 |
| Progressive | $104 | $48 |
| Auto-Owners | $115 | $54 |
| Sun Coast | $118 | $49 |
| Safeco | $141 | $78 |
| Bristol West | $158 | $63 |
| The General | $158 | $59 |
| Travelers | $161 | $74 |
| Farmers | $168 | $78 |
| Dairyland | $176 | $75 |
| National General | $184 | $92 |
| Direct Auto | $189 | $81 |
| Liberty Mutual | $218 | $136 |
| Foremost | $231 | $76 |
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
In the Boulder area, distracted driving was a factor in 17% of fatal crashes for drivers between 15 and 20 years old.[4] Boulder teens should expect higher rates than drivers of other age groups, including young drivers between 20 and 25 years old. Across the nation, teens have a higher risk of fatal car accidents due to inexperience, overconfidence, increased distractions, and risky driving behaviors.
Liability-only insurance for teens in Boulder costs $159 per month, and full coverage costs $345 per month, on average.
Great ways for teen drivers to get the cheapest rates for their car insurance in Boulder County include driving a car with the latest safety features, completing driving safety courses, staying on their parents’ insurance policies, and qualifying for good student discounts. Minor teens can't legally buy their own car insurance policy without the written consent of a parent or guardian.
You can see average liability rates for teen drivers in Boulder in the table below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $154 | $71 |
| Root | $185 | $104 |
| USAA | $196 | $90 |
| American Family | $216 | $98 |
| GEICO | $220 | $102 |
| Allstate | $248 | $114 |
| Nationwide | $259 | $121 |
| Auto-Owners | $269 | $125 |
| Progressive | $277 | $128 |
| Sun Coast | $291 | $121 |
| The General | $338 | $126 |
| Safeco | $345 | $190 |
| Bristol West | $364 | $144 |
| Dairyland | $390 | $165 |
| Travelers | $408 | $188 |
| Farmers | $413 | $191 |
| Direct Auto | $484 | $209 |
| Liberty Mutual | $487 | $305 |
| National General | $518 | $259 |
| Foremost | $560 | $185 |
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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Boulder car insurance quotes by credit tier
As you shop for insurance coverage, you should be aware that Colorado state law allows insurance companies to evaluate your credit history, in addition to other personal information, when determining your rates. Though it’s just one of many factors, drivers with excellent or good credit scores typically get lower rates than drivers with poor credit scores.
Rates by Credit Tier
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.
Is car insurance more expensive in Boulder?
The overall average cost of car insurance in Boulder is $139, which is less than the statewide average of $158 and the national average of $154.
Car insurance costs can vary between Colorado cities, mainly due to crash rates, traffic density, vehicle theft and vandalism rates, and population differences among ZIP codes. In the Boulder area, for instance, costs may be lower than in a city like Denver, as the state’s capital has significantly more motor vehicle thefts.[6]
More cities in Colorado
Here’s how the average cost of car insurance in Boulder compares to average rates in other Colorado cities.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Arvada | $202 | $103 |
| Broomfield | $206 | $98 |
| Colorado Springs | $231 | $100 |
| Denver | $247 | $108 |
| Fort Collins | $190 | $84 |
| Greeley | $214 | $84 |
| Pueblo | $222 | $91 |
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.
Boulder car insurance FAQs
Learn about the factors that can affect your car insurance rates while you shop for quotes. You can also check out the answers to common questions about auto insurance coverage in Boulder.
How much is car insurance in Boulder?
The average cost of car insurance in Boulder is $88 per month for liability only and $191 per month for full coverage.
Which company has the cheapest car insurance in Boulder?
State Farm has the cheapest car insurance in Boulder, with monthly liability-only rates as low as $40. USAA and American Family also offer affordable coverage, with respective monthly liability rates of $52 and $55.
But the cheapest insurer for you will depend on many individual rating factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Boulder?
Some of the best car insurance companies in Boulder include American Family, State Farm, and USAA. These auto insurers have lower-than-average rates, above-average J.D. Power customer satisfaction ratings, and strong AM Best financial strength ratings.
But the best car insurance company for you depends on your unique needs and budget. Always shop quotes with at least three insurers to find the best rate for your coverage needs.
Is Colorado an expensive state for car insurance?
Colorado has average car insurance rates similar to the national average, so it’s not much more expensive or much cheaper than other states. For example, Colorado’s average cost for car insurance is $158 per month, but neighboring states like Nevada and California have higher costs of $245 and $211 per month.
How does living in Boulder affect your car insurance rates compared to other locations?
You might find cheaper car insurance rates in Boulder than you would in other Colorado cities. The city reported fewer motor vehicle thefts in 2023 than other cities with similar population sizes. And Boulder County has about half the population of Denver County, which can keep insurance costs comparatively cheaper.[7]
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
- Colorado General Assembly. "Mandatory Automobile Insurance in Colorado."
- Colorado Department of Transportation. "Excuses to speed don’t exist. Deaths do.."
- Colorado Department of Transportation. "Impaired Driving."
- Colorado Department of Transportation. "2021 Problem Identification Report."
- Insurance Institute for Highway Safety. "Older drivers."
- Federal Bureau of Investigation. "Uniform Crime Report — Colorado."
- U.S. Census Bureau. "QuickFacts: Denver County, Colorado; Boulder County, Colorado."
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Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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