Cheapest Insurance in Colorado 2021

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  • Minimum coverage
  • Additional coverage
  • Minimum coverage carriers
  • Full coverage
  • Full coverage carriers
  • Cost by age
  • Poor driving record insurance
  • Carriers for poor driving record
  • Young drivers poor driving record insurance
  • Young drivers carriers for poor driving record
  • Discounts
  • Cost by car make
  • Cost by city
  • Lower costs
  • Methodology
With a few densely populated areas and some severe weather to contend with, Colorado insurance rates tend to be higher than the national average. It’s certainly possible to find affordable premiums, though, and the best way to do that is to compare multiple providers.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Colorado. And if you want to learn more about car insurance rates in Colorado, keep reading.
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Here’s how much real Jerry customers saved in Colorado when they compared and switched.
Quote DateMake/modelcityAgeCarrierCoverage Type
Before Jerry
After Jerry
May 29, 2021Pontiac G6 GTHighlands Ranch23KemperCustom$100/mo.$72/mo.
April 12, 2021Toyota Avalon XLHighlands Ranch36DairylandPredicted$105/mo.$76/mo.
August 16, 2021Hyundai Elantra GLSWestminster28ProgressiveBasic$165/mo.$91/mo.
September 3, 2020Subaru Forester 2.5IHighlands Ranch66TravelersCurrent$172/mo.$132/mo.
May 21, 2021BMW 335 XIHighlands Ranch23AllstatePredicted$220/mo.$143/mo.
Using a comparison app to view quotes from multiple providers is the best way to find cheap car insurance in Colorado.

Cheapest minimum coverage car insurance in Colorado

The minimum required insurance coverage varies depending on your state laws. In Colorado, drivers must have the following:
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Colorado:
Before Jerry
After Jerry
$2,540$1,445
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Additional coverages you might want to consider when shopping for car insurance in Colorado

Risk factorCoverage to consider
Forest fires and snow stormsComprehensive insurance covers physical damage to your vehicle that isn’t the result of an accident, such as damage or loss from a forest fire or a severe winter storm.
Densely populated citiesColorado has several population-dense areas with many drivers and a higher risk of accidents. Collision insurance covers physical damage to your car that happens as a result of a collision.
Mountain roadsRoadside assistance can be helpful if you’re driving on Colorado’s many mountain or back roads and require help. This coverage can provide towing services, locksmith services, tire changes, and battery boosts.
Though the minimum required insurance is sufficient to drive in Colorado, state-specific factors like severe weather events and densely populated cities make additional coverage a good idea if you can afford it.

Best carriers for minimum coverage car insurance in Colorado

Failing to secure the minimum liability insurance before cruising through Colorado’s mountain roads is never a good idea. Colorado has steep penalties for uninsured motorists.
Your first offense will get you a $500 fine and license suspension until you can show proof of insurance… It will also count for four points against your driver’s license. Subsequent violations are subject to minimum $1,000 fines, longer license suspensions, and even court-ordered community service.
Comparing rates with different insurers can help you find the most affordable coverage so that you don’t have to go without.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Colorado:
Insurance Company
Before Jerry
After Jerry
Allstate$3,878$1,186
Progressive$2,579$1,412
Kemper$2,487$1,437

Cheapest full coverage car insurance in Colorado

Securing more than just the minimum required coverage is usually a good idea, as it provides peace of mind and better protects you financially.
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident—which means it could end up costing less in the long run.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Before Jerry
After Jerry
$3,847$3,080
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Best carriers for full coverage car insurance in Colorado

The best way to find the right full coverage policy is to compare quotes from multiple insurance companies. Here’s how much Jerry customers pay for full coverage car insurance with various carriers in Colorado:
Insurance Company
Before Jerry
After Jerry
Progressive$2,769$2,158
Safeco$4,325$3,389
State Auto$4,184$3,460
Allstate$5,880$4,899
While you only require minimum liability insurance to drive in Colorado, purchasing more coverage can protect you financially and provide greater peace of mind.

Cost to insure your car in Colorado by age

Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
While teenagers represent only about 6% of drivers on the road in Colorado, they account for more than 11% of all traffic deaths in the state.
This added risk is why insurers charge higher premiums to young drivers.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Age Group
Before Jerry
After Jerry
18-20$3,001$2,167
21-24$2,789$1,854
25-34$2,455$1,567
35-44$2,463$1,612
45-54$2,514$1,657
55-64$1,821$1,251
65+$2,330$1,649
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Cost of insurance for drivers in Colorado with a bad driving record

Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
In Colorado, points from most violations remain on your driving record for five years from the date of conviction. The insurance companies will see you as a high-risk driver and increase your insurance rates accordingly.
The good news is Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,675$1,872
Open Container$765$756
Illegal Turn$2,884$1,614
Improper Passing$2,794$1,759
Eluding Police$1,956$1,828
Careless Driving$3,407$1,852
Defective Equipment$3,011$2,032
Driving on Sus. License$2,368$2,100
DUI$3,078$2,105
Speeding over 15$2,575$2,176

Best carriers for drivers with infractions in Colorado

Insurance Company
Before Jerry
After Jerry
State Auto$3,018$1,142
Progressive$2,879$1,888
Nationwide$3,185$2,019
Allstate$3,194$2,045
Kemper$3,274$2,127
Travelers$3,117$2,348
Safeco$3,448$2,697
National General$6,600$4,120
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Cost of insurance for young drivers in Colorado with a bad driving record

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Colorado uses a graduated licensing system that helps novice drivers gain experience safely in their first few years behind the wheel. And while it’s helped reduce traffic fatalities involving young drivers by almost 50% in the last two decades, accidents among this age group are still far more frequent than with other demographics.
Rates remain high since insurance companies must take on so much additional risk to insure a young driver with a violation on their record.
Thankfully, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$3,155$2,179
Illegal Turn$3,578$1,306
Careless Driving$3,718$1,864
Improper Passing$2,757$2,030
Defective Equipment$3,382$2,263
Speeding under 15$4,123$2,542
DUI$3,924$2,856
Failure to Obey Traffic Sign$5,415$3,073
Suspension$3,360$3,228
Speeding over 15$3,984$3,453
If you’re looking for the most affordable insurance for a young driver with a not-so-great driving record in Colorado, check out these top carriers.

Best carriers for young drivers with infractions in Colorado

Insurance Company
Before Jerry
After Jerry
State Auto$3,691$1,104
Kemper$3,628$2,121
Progressive$3,594$2,294
Allstate$3,598$2,439
Safeco$3,693$2,974
Travelers$5,009$3,610
National General$6,600$4,120
Young drivers are already deemed higher risk by insurers, and a moving violation only adds to this. Comparing rates from various providers can help find the most affordable premiums.
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Types of discounts that might be available to you in Colorado

Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Colorado.
Here are some to keep an eye out for:
  • Customer loyalty (e.g., bundling, early renewal)
  • Demographic (e.g., good student, senior)
  • Driver affiliations (e.g., military, affinity)
  • Driving history (e.g., accident-free, safe driver)
  • Driver training (e.g., defensive driver course)
  • Equipment-related (e.g., anti-theft, new car)
  • Payment (e.g., auto-pay, paperless)
Discount typeWho is eligible?
Usage-based discountUsing your insurer’s app or telematic device can net you serious savings. You’ll typically receive a small discount for enrolling and more significant savings as you exhibit safe driving behaviors.
Safe driver discountIf you have at least five years free of claims, accidents, or major violations, you may be eligible for a more affordable car insurance rate.
Good student discountFull-time students between the ages of 16 and 24 who maintain at least a B average are often eligible for a discounted premium.
Anti-theft discountA discount may apply to your premium if your vehicle is equipped with an anti-theft device. Your insurer may require proof of the installed device.
If you’re not sure which discounts might apply to you, worry not. Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount on their premium, but you may need to ask your insurance company which ones you qualify for.
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How much does it cost to insure my car make in Colorado?

The best-selling vehicle in Colorado is the rugged Subaru Outback, which is a great match for the state’s mountainous terrain. It’s also one of the more affordable vehicle brands to secure insurance for.
Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Make / model
Before Jerry
After Jerry
Acura Tsx$2,280$1,080
Acura MDX Technology$3,000$2,088
Audi A5 Premium Plus$3,120$288
BMW
735 Il
$1,848$636
BMW
M240Xi
$3,058$2,436

Cheapest car insurance in Colorado by city

Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Drivers in Colorado typically pay more than the national average for car insurance. This is thanks to a couple key factors that raise risk levels in the state.
Colorado is home to several densely populated cities with more drivers—and more drivers means more risk for accidents. There is also the threat of severe weather almost year round, between snow storms, heavy rains, and forest fires.
Of course, there are certain areas of the state where risk levels are lower and premiums are more affordable.
City
Before Jerry
After Jerry
Denver
$3,003$1,956
Colorado Springs
$3,232$2,002
Aurora
$3,166$2,412
Pueblo
$2,868$1,859
Fort Collins
$2,176$1,636
Lakewood
$3,457$2,112
Longmont
$1,958$1,502
Thornton
$3,223$2,439
Boulder
$2,246$1,751
Clifton
$1,613$1,471

Additional ways to lower your car insurance

To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.
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