Colorado Car Insurance for High Risk Drivers (With Quotes)
Excellent
)
Written byDoug Shaffer
)
Doug ShafferInsurance Writer
Doug Shaffer works as a content writer. He has had the opportunity to write for several national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. He enjoys being able to break down complex insurance jargon to allow consumers to fully understand their policies.
)
Edited byJohn Leach
)
John LeachSenior Insurance Copy Editor
Licensed property and casualty insurance agent
8+ years editing experience
John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Featured in
){kind=small}
)
Reviewed byAmber Benka
)
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.
Updated November 21, 2024
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Cheapest Insurance Companies for High Risk Drivers in Colorado (2022)
For drivers that are high-risk in Colorado, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Colorado. The following are the best insurance rates from carriers that offer car insurance for high-risk drivers in Colorado.
Carrier ▲▼ | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. ▲▼ |
|---|---|
| Bristol West | $200 |
| Sun Coast General Insurance Agency, Inc. | $204 |
| Travelers | $218 |
| SafeAuto | $233 |
| Safeco Insurance | $244 |
| Acuity Insurance | $248 |
| Liberty Mutual | $270 |
| Dairyland Insurance | $291 |
| Midvale Home & Auto | $302 |
| American Family Insurance | $315 |
What Makes a Driver High-Risk in Colorado?
As insurance companies accept new drivers, they open themselves up to a certain level of risk. Drivers who have a driving record full of violations or a history of filing numerous insurance claims are often labeled as high-risk. Having this risk classification often leads to higher premium rates.
To be labeled "high-risk," drivers in the state of Colorado have to have an extensive history of driving violations on their record. For examples, instances of speeding, reckless driving, DUI and DWI convictions, and multiple at-fault accidents are all possible reasons for being pegged as a high-risk driver. Although rates may be higher for riskier drivers, there are still affordable coverage options available.
Colorado Car Insurance Rates for High-Risk Drivers
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.
Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
How Much Does High-Risk Driving Affect Car Insurance Rates in Colorado?
High-risk driving charges can have a lasting impact on your overall driving record. Often, instances of speeding, excessive lane changing, and improper passing can cause insurance providers to raise your rates for reckless driving. In fact, drivers in Colorado who have reckless driving violations should expect to pay $322 a month for coverage, which is nearly $100 more than those without violations.
Drivers may be able to find better rates by shopping around at multiple insurance providers. Some companies in Colorado offer special packages and rates for high-risk drivers with violations on their record.
Driving History ▲▼ | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. ▲▼ |
|---|---|
| No Violation | $235 |
| Speeding Ticket | $280 |
| At-Fault Accident | $289 |
| Reckless Driving | $322 |
| Failure to Stop | $264 |
How Much Does a Speeding Ticket Impact Car Insurance Rates in Colorado?
Nearly every driver has looked down at their dashboard, only to realize they are going over the speed limit. Not everyone gets charged with a speeding ticket, but the ones who do will face an increase to their average monthly premium. Typically, drivers with speeding tickets in Colorado pay $45 more per month than those without.
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.
How Does an at-Fault Accident Impact Insurance Rates in Colorado?
Most risky driving violations have a negative impact on the insurance rates a driver receives in Colorado, this includes at-fault accidents. If you cause an accident, your insurance provider will most likely raise your rates. On average, drivers with an at-fault accident can expect an increase of $54 per month for coverage.
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.
How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Colorado?
Failing to stop completely at a red light or stop sign can result in an increase to your insurance rates. In Colorado, the cost of a failure-to-stop violation can mean paying an additional $29 a month for coverage. Often, shopping for rates is a great way to lessen the extra expenses associated with the violation.
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.
Does Driving With a Suspended License Impact Car Insurance Rates in Colorado?
As insurance companies accept new drivers, they open themselves up to a certain level of risk. Drivers who have a driving record full of violations or a history of filing numerous insurance claims are often labeled as high-risk. Having this risk classification often leads to higher premium rates.
To be labeled "high-risk," drivers in the state of Colorado have to have an extensive history of driving violations on their record. For examples, instances of speeding, reckless driving, DUI and DWI convictions, and multiple at-fault accidents are all possible reasons for being pegged as a high-risk driver. Although rates may be higher for riskier drivers, there are still affordable coverage options available.
Tips for Researching High-Risk Colorado Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a large and growing state like Colorado draws a wide variety of choices when factoring high-risk driving insurance rates.
Insurify''s rate comparison tool will help you make sure you''re getting the best possible quote based on your needs and location. You can have peace of mind you''re not paying any more than you need to, and customers save $585 per year on average.
Compare Car Insurance Quotes Instantly
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Compare Top Auto Insurance Companies
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies
FAQs - Colorado Car Insurance
Why is car insurance so expensive in Colorado?
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Do car insurance rates vary by county in Colorado?
Auto insurance costs will vary between locations and insurance carriers, depending on the county Colorado. Insurify analyzed the latest data for the five most populous cities in Colorado to find you the cheapest quotes in each of these metropolitan areas.
Which providers have the best auto insurance ratings in Colorado?
The way to find the carrier with the best auto insurance ratings in Colorado and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
How much do annual auto insurance rates increase in Colorado?
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
Compare Car Insurance Quotes Instantly
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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
)
Doug ShafferInsurance Writer
Doug Shaffer works as a content writer. He has had the opportunity to write for several national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. He enjoys being able to break down complex insurance jargon to allow consumers to fully understand their policies.
John LeachSenior Insurance Copy Editor
Licensed property and casualty insurance agent
8+ years editing experience
John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Featured in
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.
)
)
)
)
)