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Licensed auto and home insurance agent
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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Updated November 21, 2024
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Table of contents
Drivers in Broomfield pay an average of $152 per month for car insurance, which is a bit lower than the national average of $154 and the Colorado state average of $158.
Located between Boulder and Denver, Broomfield has a smaller population than its urban counterparts, which may account for its lower frequency of traffic accidents and cheaper average insurance rates.
Here’s what you need to know about comparing quotes and finding cheap car insurance in Broomfield.
State Farm, USAA, and American Family have the cheapest liability insurance in Broomfield.
Broomfield drivers pay $98 per month for liability insurance and $206 for full-coverage insurance, on average.
Insurance companies in Colorado can consider your credit-based insurance score when determining your car insurance premium.[1]
3 of the cheapest car insurance companies in Broomfield
The best auto insurer for you will depend on your budget, insurance needs, and driver profile. Beyond comparing costs between companies, you should also pay attention to customer satisfaction, online customer reviews, coverage offerings, discount availability, and more.
Start your search for cheap car insurance with three of the best car insurance companies in Broomfield. The average rates provided below reflect statewide insurance costs in Colorado.
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 | Cheap rates |
USAA | 9.4 | $125 | $59 | Military families |
American Family | 9.1 | $134 | $63 | Teen drivers |
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 cheap rates: 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. | $44/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. | $95/mo |
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Charles
November 19, 2024
New Car Price
Ronald
November 19, 2024
State Farm Experience: 35 Years+
David
November 19, 2024
Too expensive
State Farm offers some of the cheapest car insurance rates in Broomfield, but drivers can save even more with the company’s available discounts. You can qualify for discounts by driving safely, earning good grades, and bundling multiple policies. Customers can also take advantage of State Farm’s Drive Safe & Save telematics program.
Customizable coverage options
High customer satisfaction ranking in J.D. Power’s 2023 U.S. Insurance Shopping Study
Doesn’t offer gap insurance
Some negative customer reviews online
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. | $57/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. | $123/mo |
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.
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.
Gloria
November 15, 2024
Not Good for Claims
Martin
November 11, 2024
Price Shopping
Rena Sabine
November 8, 2024
Disappointing and inflexible service
Home to nearly 4,000 veterans, Broomfield is within a 90-minute drive of the Air Force Academy and Buckley Air Force Base.[2] Active service members, veterans, and their families can find affordable, highly rated insurance from USAA.
Drivers who store their car on a military base can save up to 15% on auto insurance premiums. Additionally, safe-driving discounts like USAA’s SafePilot program help drivers save even more.
Drivers can save with the SafePilot program
Military-specific discounts
Only available to active service members, veterans, and their families
Rideshare coverage not available
Best insurer for teen drivers: 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. | $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. | $132/mo |
Drivers appreciate the responsive customer service and reliability but dislike the high prices and frequent rate increases.
Drivers appreciate the responsive customer service and reliability but dislike the high prices and frequent rate increases.
Stephanie
November 5, 2024
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
Line by Line to Save Money
Joseph
November 4, 2024
Looking for Better
Of the nearly 76,000 people living in Broomfield, more than one in five are teenagers. Drivers younger than 25 — particularly teens — face the highest car insurance rates.
Fortunately, American Family offers discounts to good students, drivers younger than 25 who volunteer more than 40 hours a year, students away at school, and children of existing American Family customers.
Several available discounts
Above-average ranking in J.D. Power’s 2023 U.S. Insurance Shopping Study
Mobile app experience could improve
Higher rates than some insurers in Broomfield
How to get the cheapest car insurance in Broomfield
Though average car insurance premiums are below average in Broomfield, you can still find ways to save. Use the following strategies to save even more:
Raise your deductible. Choosing a higher deductible is a good idea if you can afford to pay it in the event of an accident. Increasing your deductible will decrease your monthly premiums.
Take advantage of discounts. Many auto insurance companies offer discounts for teens, safe drivers, and policyholders who bundle their car insurance with homeowners insurance, renters insurance, or life insurance. Talk to your insurance agent to see what you qualify for.
Choose the right vehicle. A sedan with a strong safety record is typically cheaper to insure than a flashy sports car. Consider a vehicle’s safety features and reliability carefully before purchasing it.
Shop around and compare quotes. Accessing quotes from multiple car insurance companies and comparing them side by side can help you find an auto policy that fits your budget.[3]
Cheapest liability-only car insurance in Broomfield: State Farm
When you cause an accident, liability-only insurance covers the other driver’s resulting medical bills and vehicle repair costs. Liability insurance doesn’t cover your own repairs or injuries.[4] Liability-only insurance in Broomfield costs $98 per month, on average.
Explore the table below to see which car insurance companies in Broomfield offer the lowest average rates for liability-only insurance.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
State Farm | $44 |
USAA | $57 |
American Family | $61 |
GEICO | $67 |
Allstate | $68 |
Nationwide | $73 |
Root | $73 |
Sun Coast | $73 |
Progressive | $78 |
Auto-Owners | $79 |
The General | $85 |
Bristol West | $90 |
Safeco | $105 |
Dairyland | $109 |
Foremost | $111 |
Travelers | $111 |
Farmers | $116 |
Direct Auto | $121 |
National General | $140 |
Liberty Mutual | $188 |
Cheapest full-coverage car insurance in Broomfield: State Farm
Full-coverage insurance is more robust than liability-only insurance. After an accident, a full-coverage policy covers the other driver’s repairs and medical expenses, as well as repairs to your own vehicle.
Drivers of newer, more expensive cars can often particularly benefit from full coverage. If you have an auto loan or lease, your lender will likely require you to purchase this type of policy.
The average cost of full-coverage car insurance in Broomfield is $206 per month. Here are the cheapest car insurance companies for full-coverage insurance in the city.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
State Farm | $95 |
USAA | $123 |
Root | $131 |
American Family | $132 |
GEICO | $145 |
Allstate | $147 |
Nationwide | $158 |
Progressive | $167 |
Auto-Owners | $169 |
Sun Coast | $176 |
Safeco | $190 |
The General | $225 |
Bristol West | $228 |
Travelers | $240 |
Farmers | $250 |
Dairyland | $256 |
National General | $280 |
Direct Auto | $281 |
Liberty Mutual | $301 |
Foremost | $335 |
Cheapest recent rates near Broomfield, Colorado
Drivers in and around Broomfield, Colorado have found policies from Direct Auto, Liberty Mutual, Sun Coast, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Broomfield, Colorado within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Broomfield, Colorado within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Colorado
Colorado drivers must carry a minimum amount of liability insurance, including bodily injury and property damage liability insurance. Colorado is an at-fault state, which means the driver who causes an accident must cover the other party’s damage and injury through their liability insurance policy.
Here are the specific coverage amounts drivers in the state must purchase:[5]
Coverage ▲▼ | Minimum Requirements ▲▼ |
---|---|
Bodily injury liability | $25,000 per person / $50,000 per accident |
Property damage liability | $15,000 per accident |
Because liability insurance doesn’t cover your own vehicle, you should consider purchasing additional coverage. Here are some of the most common optional insurance products for you to consider:
Collision coverage
If you cause an accident, collision insurance can pay for repairs to your vehicle regardless of fault.
Comprehensive coverage
In the event of vehicle damage following a non-collision event like severe weather, theft, or vandalism, comprehensive insurance kicks in to cover repairs to your vehicle.
Uninsured/underinsured motorist coverage
If another driver without sufficient insurance causes an accident, uninsured/underinsured motorist coverage pays for your vehicle repairs and medical bills.
Cheapest car insurance for drivers with an incident
Having incidents like speeding tickets, driving under the influence (DUI) charges, or at-fault accidents on your record can result in higher car insurance rates. These incidents cause car insurance companies to view you as a higher-risk driver. To offset these risks, insurers charge higher monthly premiums.
Broomfield drivers with a past incident pay $125 per month for liability insurance, on average. The severity and frequency of your incidents will affect how much you pay for coverage.
Here are the cheapest coverage options in Broomfield for drivers with incidents on their records, broken down by incident.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
---|---|---|---|---|
State Farm | $44 | $57 | $58 | $71 |
USAA | $57 | $75 | $76 | $92 |
American Family | $61 | $81 | $81 | $99 |
GEICO | $67 | $88 | $89 | $109 |
Allstate | $68 | $90 | $91 | $110 |
Nationwide | $73 | $97 | $98 | $118 |
Root | $73 | $103 | $104 | $106 |
Sun Coast | $73 | $105 | $102 | $116 |
Progressive | $78 | $102 | $105 | $126 |
Auto-Owners | $79 | $105 | $106 | $128 |
The General | $85 | $114 | $115 | $138 |
Bristol West | $90 | $120 | $120 | $146 |
Safeco | $105 | $141 | $139 | $158 |
Dairyland | $109 | $144 | $144 | $177 |
Foremost | $111 | $157 | $158 | $180 |
Travelers | $111 | $148 | $149 | $180 |
Farmers | $116 | $152 | $154 | $188 |
Direct Auto | $121 | $160 | $165 | $196 |
National General | $140 | $186 | $186 | $227 |
Liberty Mutual | $188 | $267 | $267 | $305 |
Average cost of car insurance by age
Your age is one of the most significant rating factors car insurance companies use to determine your rates.
Young drivers pay the highest average rates. Teen drivers have less driving experience and a higher frequency of serious car accidents, which is why they have higher rates. Average rates tend to decrease steadily for drivers between ages 35 and 70, before increasing again for drivers 70 and older due to aging-related risk factors.
The following table breaks down average monthly quotes in Broomfield by age.
Age ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Teens | $326 |
20s | $226 |
30s | $171 |
40s | $157 |
50s | $132 |
60s | $116 |
70s | $122 |
Broomfield car insurance quotes by credit tier
Car insurance companies in Colorado can factor in credit-based insurance scores when determining your car insurance rates. Drivers with excellent or good credit scores pay lower average rates than drivers with poor credit scores. Insurers see drivers with good credit as more likely to pay premiums on time, resulting in lower rates.
The chart below shows average full-coverage insurance rates by credit tier in Broomfield:
Rates by Credit Tier
Broomfield car insurance FAQs
Before you start shopping around for car insurance quotes, you should determine the right amount of coverage for your insurance needs. The following information should help you navigate finding car insurance in Broomfield.
How much is car insurance in Broomfield?
The overall cost of car insurance in Broomfield is $152 per month. Drivers in Broomfield pay an average of $98 per month for liability insurance and $206 for full-coverage insurance. Ultimately, your car insurance premium will depend on your driving record, age, credit history, ZIP code, and more.
Which companies have the cheapest car insurance in Broomfield?
The cost of liability car insurance in Broomfield from State Farm is $44, making it the cheapest insurer in Broomfield. USAA and American Family also have affordable car insurance, with respective liability insurance rates of $57 and $61 per month.
The best way to find cheap coverage is to compare quotes from multiple insurers at once.
What are the best car insurance companies in Broomfield?
State Farm is the best car insurance company in Broomfield, thanks to an AM Best financial strength rating of A++ (Superior), an Insurify Quality (IQ) Score of 9.3 out of 5, and cheap rates. Colorado drivers with coverage from State Farm pay $46 per month for liability insurance and $97 for full-coverage insurance.
Other top insurers include USAA and American Family.
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
- Rocky Mountain Insurance Information Association. "Colorado’s Insurance Scoring Law."
- United States Census Bureau. "QuickFacts Broomfield city, Colorado."
- Insurance Information Institute. "How to save money on car insurance."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Colorado General Assembly. "Mandatory Automobile Insurance in Colorado."
A.M. is a Brooklyn-based writer, editor, and content marketing strategist who's worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches over 250,000 daily readers. Since 2019, he's written for Insurify, breaking down a diverse range of insurance topics into crisp, readable prose.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in