Car Insurance in Colorado
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- Looking for cheap car insurance in Colorado?
- How much does car insurance cost in Colorado?
- Top auto insurance providers in Colorado
- What car insurance do you need in Colorado?
- How is your cost of car insurance determined in Colorado?
- How to save money on car insurance in Colorado
- Registering your car in Colorado
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Looking for cheap car insurance in Colorado?
With its growing cities and inclement weather, Colorado has slightly higher insurance rates than the national average. Despite high prices, Colorado drivers can find ways to save on car insurance by shopping with Jerry.
Colorado cities—like Denver and Colorado Springs—have experienced rapid growth in recent years. Additionally, Colorado experiences severe weather including hail and heavy snow every year. Both of these factors contribute to the higher-than-average car insurance rates.
However, your location is just one consideration insurance companies take when deciding your car insurance premiums. Providers will look at your age, driving record, and other factors before providing you with an insurance quote, so it is a good idea to look at many companies before purchasing a policy.
That’s where Jerry comes in. Jerry is a car super app that will help you find the cheapest rates for car insurance. It takes less than a minute to sign up, and Jerry will source quotes from over 50 top insurance providers. The average Jerry customer saves $879 per year on car insurance.
Don’t believe us? Here are some real quotes and savings from customers in Colorado who switched with Jerry:
| Quote Date | Car | City | Name | Age | Carrier | Before Jerry | After Jerry |
|---|---|---|---|---|---|---|---|
| April 9, 2022 | Toyota RAV4 Limited | Fort-Collins | Derek B. | 66 | Progressive | $112/mo. | $65/mo. |
| March 29, 2022 | Mitsubishi Outlander GT | Peyton | Edward P. | 49 | Progressive | $161/mo. | $83/mo. |
| April 7, 2022 | Toyota 4Runner SR5 | Denver | Maggie M. | 61 | State Auto | $150/mo. | $97/mo. |
| April 7, 2022 | Ford Windstar SE | Westminster | Ryan J. | 49 | State Auto | $159/mo. | $115/mo. |
| April 2, 2022 | Nissan Altima 2.5 | Thornton | Gertrude C. | 30 | Safeco | $286/mo. | $198/mo. |
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How much does car insurance cost in Colorado?
The average cost of liability-only car insurance in Colorado is $1,952 per year. If you prefer to buy full coverage car insurance in Colorado, you can expect to pay an average cost of $2,530 per year.
How does the cost of car insurance in Colorado compare to the rest of the country?
Compared to nationwide averages, it costs $1,627 per year for liability-only car insurance and $2,297 per year for full-coverage car insurance.
Why are Colorado car insurance rates so high? Here are some of the factors:
- Busy cities: Colorado has experienced rapid growth in recent years—especially in the urban areas—which can mean more cars on the road
- Auto thefts: Many cities in Colorado see higher-than-average car theft rates
- Inclement weather: Drivers in Colorado are used to extreme weather conditions that can damage
Here’s how Colorado insurance premiums measure up against nationwide averages:
All Coverage Before Jerry | All Coverage After Jerry | Minimum Coverage Before Jerry | Minimum Coverage After Jerry | Full Coverage Before Jerry | Full Coverage After Jerry | |
|---|---|---|---|---|---|---|
| CO | $2,382 | $1,667 | $1,852 | $1,052 | $3,379 | $2,572 |
| National Average | $2,436 | $1,660 | $2,306 | $1,382 | $2,659 | $1,973 |
| CO | National Average | |
All Coverage Before Jerry | $2,382 | $2,436 |
All Coverage After Jerry | $1,667 | $1,660 |
Minimum Coverage Before Jerry | $1,852 | $2,306 |
Minimum Coverage After Jerry | $1,052 | $1,382 |
Full Coverage Before Jerry | $3,379 | $2,659 |
Full Coverage After Jerry | $2,572 | $1,973 |
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Top auto insurance providers in Colorado
Colorado drivers can choose from many insurance providers. Some of the most popular insurers in Colorado include Travelers, State Farm, and Nationwide.
That said, you might find that another provider has better rates for the insurance you need.
Every insurance carrier uses its own formula to set insurance premiums. You could get completely different quotes from each company—even for identical coverage.
Providers in Colorado will take factors like your age, driving history, marital status, and location into consideration when determining your insurance premiums.
The type of car you drive will also factor into your insurance premiums. For example, a popular luxury car like the Jeep Wrangler Unlimited 4xe will cost more to insure than a Honda Civic because of the higher base cost of the Jeep—not to mention the lower safety rating and high cost of repairs.
Regardless of your profile, drivers in Colorado can find some great deals with Jerry. Here are some of the best savings:
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| National General | $3,331 | $1,411 | Compare Prices |
| Allstate | $3,080 | $945 | Compare Prices |
| Dairyland | $3,017 | $941 | Compare Prices |
| Kemper | $2,605 | $845 | Compare Prices |
| Safeco | $2,940 | $803 | Compare Prices |
| Travelers | $2,748 | $733 | Compare Prices |
| State Auto | $2,700 | $706 | Compare Prices |
| Clearcover | $2,160 | $688 | Compare Prices |
| Nationwide | $2,771 | $630 | Compare Prices |
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What car insurance do you need in Colorado?
Colorado requires that drivers carry minimum liability insurance before hitting the road. This coverage includes the following:
| Coverage | Amount | Description |
|---|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident | Covers the costs associated with injuries you cause to others |
| Property damage liability | $15,000 per accident | Covers the costs associated with the damage you cause to other people’s vehicles or property |
Failure to obtain the required insurance could result in penalties, including:
- Four points against your license
- Minimum $500 fine for a first offense
- License suspension until you can provide proof of insurance to the DMV
Liability insurance protects other drivers if you’re at fault in an accident—it doesn’t cover you or your car. Therefore, it’s recommended that you carry more than the minimum liability insurance. Some coverages that Colorado drivers should consider include:
| Coverage | Description |
|---|---|
| Collision insurance | Covers damages that are the result of a collision with a vehicle or stationary object |
| Comprehensive insurance | Covers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster |
| Roadside assistance | Covers the costs associated with a breakdown |
Regardless of the coverage you choose, Jerry will find you the best rates so you’re never overpaying.
Jerry compares quotes from the top name-brand insurance companies, helps you buy new car insurance, and will even help cancel your old policy.
Even better, Jerry will send you new quotes every time your policy comes up for renewal, so you know you’re never overpaying. Jerry users save $879 per year on average!
Now that you know the insurance basics, here are some things that impact the cost in Colorado.
How is your cost of car insurance determined in Colorado?
When setting your rates, insurance providers look at factors like your age and driving history in addition to your location.
What young drivers in Colorado need to know
- Young drivers are often considered high-risk because of their lack of experience and a higher likelihood of accidents
- Many companies offer discounts to young drivers who take a state-approved defensive driving course
- Drivers under 25 who maintain good grades may be eligible for a good student discount
Even though young drivers have higher insurance rates than older motorists, it’s possible to save money by applying for discounts, shopping around, and maintaining a clean driving record.
Jerry works with young drivers to find the most affordable prices for car insurance. Here are the average premiums for drivers by age:
| Age Group | Average Cost | Annual Savings with Jerry |
|---|---|---|
| 18-20 | $3,101 | $1,078 |
| 21-24 | $2,749 | $938 |
| 25-34 | $2,528 | $875 |
| 35-44 | $2,521 | $851 |
| 45-54 | $2,463 | $798 |
| 55-64 | $2,233 | $820 |
| 65+ | $2,020 | $761 |
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Cost to insure your car in Colorado with a poor driving record
Your driving history also will factor into your car insurance rates. If you’ve been in an accident, gotten a speeding ticket, or had a major driving infraction, you will have higher rates for your Colorado car insurance rates.
Drivers with a blemished driving record are considered high-risk, and providers will raise their rates accordingly.
That said, you can still find ways to save! Jerry can help drivers with imperfect driving records find the best prices on the car insurance they need.
These are some of the best rates for drivers with less-than-perfect records after switching with Jerry:
| Driving Violation | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Clean Record | $2,683 | $806 |
| Reckless Driving | $7,740 | $2,155 |
| Wrong Way/Wrong Lane | $4,180 | $1,427 |
| Failure to Obey Traffic Sign | $3,240 | $1,116 |
| Speeding under 15 | $3,104 | $991 |
| Improper Passing | $3,201 | $970 |
| DUI | $3,017 | $948 |
| Suspension | $3,336 | $937 |
| Speeding over 15 | $3,259 | $901 |
| Defective Equipment | $2,857 | $883 |
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Cost to insure your car in Colorado based on where you live
As a whole, Colorado has higher-than-average insurance rates, but rates still vary depending on your zip code.
Drivers who live in Denver pay some of the higher rates for car insurance because of the city’s congested roads and higher accident rates. Conversely, residents in less-populous parts of the state, like the Fort Collins suburb of Loveland, will see significantly lower rates.
Here are some of the best rates we’ve found for Jerry customers who live in Colorado:
| City | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Arvada | $2,610 | $932 |
| Aurora | $2,688 | $886 |
| Colorado-Springs | $2,553 | $837 |
| Denver | $2,590 | $856 |
| Fort-Collins | $2,235 | $723 |
| Lakewood | $2,787 | $965 |
| Littleton | $2,756 | $772 |
| Longmont | $2,557 | $956 |
| Pueblo | $2,363 | $846 |
| Thornton | $2,910 | $1,006 |
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Cost to insure your car in Colorado based on the type of car you drive
The car you drive will have an impact on your insurance rates simply because more expensive cars are more expensive to insure.
For the most part, less expensive sedans—like a Toyota Corolla—will be cheaper to insure because of the lower cost of repairs and replacement parts. Additionally, Toyota’s high safety and reliability ratings mean that the car will need fewer trips to the mechanic than other makes and models.
Conversely, you might pay more for insurance for a luxury vehicle, like the BMW 5 Series, because parts are more expensive and harder to come by. Furthermore, the cost to replace the car if it is totaled will be much higher—so insurance companies will charge more.
Here’s what it costs to insure some popular makes and models in Colorado with and without Jerry:
| Car | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Nissan Rogue S | $2,512 | $1,473 |
| Toyota Tacoma Double Cab | $2,737 | $1,402 |
| Ford Focus SE | $2,029 | $1,154 |
| Jeep Grand Cherokee Laredo | $2,238 | $1,079 |
| Honda Accord EX | $1,837 | $1,053 |
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How to save money on car insurance in Colorado
Drivers in Colorado have several ways to save money on car insurance.
Shop around for quotes
Shopping around for insurance rates is the easiest way to save money on car insurance.
However, it takes a lot of time and energy to source quotes and call various insurance companies. Fortunately, Jerry is here to do the hard work for you.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. Sign-up takes less than a minute, and Jerry will help you with the entire process—from collecting quotes from over 50 top insurance providers to completing the paperwork to get you signed up, to canceling your old policy.
Jerry doesn’t stop there! When your policy is up for renewal, Jerry will send you new quotes—so you always know you’re getting the best rates.
Look for discounts
Applying for discounts is another great way to save money on car insurance. Almost all providers offer discounts—even if they aren’t readily advertised. Ask your agent what’s available for you.
Here are some popular discounts in Colorado:
| Discount | Who is eligible? |
|---|---|
| Good driver discounts | Drivers in Colorado are eligible for good driver discounts if they have a good record and have made no insurance claims. This discount is mandated by state law and saves drivers between 10-%-30% on their car insurance premium. |
| Bundling discounts | Bundling multiple insurance products (like auto, renters, and home) with the same company is a good way to get a discount—savings can be around 18%. |
| Defensive driver discounts | You can often get a discount for taking a state-approved defensive driving course. |
| Anti-theft devices | If you preemptively protect your car by adding anti-theft or safety devices, you may be eligible for a discount. |
| Good student discounts | Drivers under 25 should look for a good student discount. Full-time students who maintain good grades may qualify for savings up to 25% through their insurer. |
| Telematics | Several companies have telematics programs that monitor your driving behavior and give discounts for good habits. Often, you can get a discount just for signing up. |
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Colorado insurance companies also take factors like your employment, marital, and homeownership status into consideration when setting your rates. You may qualify for a discount if you have a certain employment affiliation, are a homeowner, or are married.
Increase your deductible
Raising your deductible—the amount you pay out of pocket in the event of a claim—will decrease your monthly premium.
However, this means you’d pay more out of pocket if you make a claim. It could be a good idea to raise your deductible if you think it’s unlikely you’ll make a claim, but you need to make sure you can afford to pay the full deductible each time you would need to file.
Registering your car in Colorado
If you want to register a car in Colorado, you need to have the following paperwork:
- A driver’s license or ID card
- A car title or signed lease agreement and VIN verification
- Proof of insurance
- Proof of sales tax payment
- Proof of Colorado Vehicle Emissions test
- Pay registration fees
It’s generally a good idea to make an appointment at the DMV to avoid long wait times when registering your vehicle.
Colorado drivers must renew their vehicle registration every year.
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