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Get Cheap Car Insurance in Colorado
We monitor insurance prices, helping the average driver in Colorado save up to 30.1% on car insurance.
The Cheapest Minimum Coverage in Colorado
The chart below shows the cheapest car insurance company in Colorado for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Bristol West, Safeco Insurance, and Geico.
| Colorado Insurer | Monthly Cost |
|---|---|
| State Farm | $81 |
| Bristol West | $96 |
| Safeco Insurance | $98 |
| Geico | $100 |
Savings for Every Kind of Colorado Driver
Based on our extensive insurance data, we know the average Colorado driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $511 per year by choosing the right vehicle insurance company. Some Colorado residents are paying out over $2,384 extra every year for auto insurance in Colorado. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Colorado Savings / Yr. |
|---|---|
$511 |
|
$911 |
|
$733 |
|
$783 |
|
$2,318 |
|
$614 |
|
$899 |
Colorado Car Insurance vs. the United States
People living in Colorado pay an average of 26.13% more than the typical driver in the nation. The average driver in Colorado can expect to pay about $1,392 per year, or $2,384 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Colorado for most people.
Car Insurance Prices by Colorado Neighborhood
Insurance Prices
Where is insurance cheapest within Colorado?
The map shows insurance prices in and around Colorado, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $867 per year within the state boundaries, with insurance premiums ranging from a high of $2,502 to a low of $1,635. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southwest parts of Colorado.Pick the Best Car Insurance Company for You in Colorado
The best car insurance provider for most drivers in Colorado
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $511 over the average Colorado car insurance company.
The best car insurance provider for Colorado drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $911 over the competition.
The best car insurance company for Colorado drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $733 better than other car insurance companies.
The best auto insurance for Colorado drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $783 less each year.
The least expensive car insurance company for new and young drivers in Colorado
In Colorado, State Farm costs young drivers $2,318 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Colorado
State Farm gave the largest car insurance discounts to married couples, averaging $614 saved each year compared to an average Colorado couple's premiums.
The cheapest car insurance in Colorado for drivers with bad credit
The best Colorado car insurance company for customer service
Recent price drops
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The cheapest large national provider in Colorado
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Colorado driver can expect to pay about $128 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Colorado, USAA has the best prices for drivers with speeding tickets, drivers with a DUI conviction, married couples, young drivers, good drivers, drivers with bad credit, and drivers with accidents.Auto Insurance Prices in and Around Colorado
What Influences the Cost of Car Insurance in Colorado?
On average, car insurance in Colorado is more expensive than the rest of the nation. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the state are influenced by the following factors:
- The average commute time in Colorado is 33 minutes, which is a little more than average for a driver in the nation.
- Colorado state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Colorado are higher than average in the nation, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Colorado is a fairly densely populated area in the nation. The state’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Colorado is $116 per month for minimum coverage and $199 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby States
- Wyoming: Insurance costs 31.71% less
- New Mexico: Insurance costs 36.83% less
- Utah: Insurance costs 43.33% less
- Nebraska: Insurance costs 43.08% less
- Kansas: Insurance costs 31.42% less
- South Dakota: Insurance costs 23.78% less
- Oklahoma: Insurance costs 14.85% less
- Idaho: Insurance costs 64.18% less
- Nevada: Insurance costs 41.99% more
- Iowa: Insurance costs 56.33% less
States with Similar Populations
- Alaska: Insurance costs 47.06% less
- Hawaii: Insurance costs 48.07% less
- Alabama: Insurance costs 28.06% less
- Wisconsin: Insurance costs 63.51% less
- Washington: Insurance costs 44.80% less
- Vermont: Insurance costs 58.35% less
- Texas: Insurance costs 6.88% more
- Oregon: Insurance costs 36.33% less
- North Dakota: Insurance costs 43.33% less
- New Mexico: Insurance costs 36.83% less