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Cheapest car insurance in Aspen, Colorado (Jun 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Aspen, Colorado.
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Jasmine Kanter
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Maria Cruz, Expert Insurance Writer & Editor

How to find the cheapest car insurance in Aspen

The town of Aspen,
Colorado
, counts a population of less than 10,000, but it’s grown an outsized reputation. It’s not just home to the Rocky and Elk Mountains but also the Aspen Music Festival, the Aspen Institute, and the Aspen Center for Physics. Most residents and visitors, however, know it for the slopes that make it the second-highest-rated ski resort in the world.
Aspen insurance costs an average of $828 per year ($69 per month) for minimum coverage. A full-coverage car insurance policy will set you back $1,800 per year ($150 per month). These rates are slightly above average for the state but below average for the country.
It can be a challenge to find
affordable car insurance
in Aspen due to the high incidence of natural disasters and auto thefts in Colorado—not to mention the popularity of new, luxury, and premium-trim vehicles among Aspen’s affluent tourists. 
Jerry
is an independent insurance agency that works for you. It collects and compares the lowest-priced auto insurance quotes from top providers. You can see the best deals in Aspen at a glance, and it only takes a few minutes to sign up.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Nationwide
$149
Isaiah, 35
Zip: 81611
Volkswagen Tiguan SE
• 100,000/300,000 Liability
• Comp / Collision
Bristol West
$242
Myrtle, 37
Zip: 81612
Jeep Grand Cherokee Limited
• State Minimum Liability
• Comp / Collision
State Auto
$154
Charles, 28
Zip: 81611
BMW 328 XI
• State Minimum Liability
coverageLast Updated Jun 11, 2024

Best car insurance companies in Aspen

For many Colorado drivers, the best car insurance companies are the cheapest. Here are the five providers with the lowest rates in Aspen who also ranked well with our users:
Insurance company
Average annual full coverage rate in Aspen
Jerry user rating
$1,354
4.5
$1,364
4.4
$1,450
4.2
$1,792
4.2
$1,955
4.2
However, the cheapest auto insurance providers don’t always have everything you’re looking for. If you prioritize customer service, claims processing, and overall excellence, you’ll probably be interested in the results of Jerry’s national shopping survey.
Thousands of verified policyholders in Colorado rated their insurance providers on a scale from 0 to 5. The top overall scorers were Safeco,
Bristol West
,
Allstate
,
Dairyland
, and GEICO.
Insurance companyOverall ratingPriceClaims experienceCustomer service
Geico
4.3
3.8
3.2
4
Progressive
4.1
4.2
3.4
4.2
Liberty Mutual
4
3.4
N/A
4.4
Farmers
3.7
4.3
N/A
4
State Farm
3.2
2.8
3.8
4.1
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Aspen

Before requesting a car insurance quote, you’ll have to choose your coverage level. It’s cheapest to carry state minimum coverage—that is to say, the minimum amount of car insurance you must carry to legally drive and no more. However, for the best financial protection, Jerry’s expert insurance agents generally recommend carrying at least 100k/300k/100k liability insurance and full coverage.

Cheap minimum liability insurance quotes in Aspen

Colorado’s car insurance laws
require every driver in Aspen to carry
liability insurance
. Liability insurance pays to treat any bodily injuries (or fix any property damages) that result from a car accident where you were at fault.
As for the coverage limits, they follow a 25/50/15 rule, which means at least:
Sticking with the minimum coverage in Aspen costs an average of $828 per year or $69 per month. That’s 14% higher than the Colorado average and 12% cheaper than what the rest of the nation pays.
Have a look below at some quotes real Jerry users found for state minimum coverage.
card cover
Hilda (28 years old)
coverageCoverage
State Minimum
locationAspen, CO
(Zip Code: 81611)
carBMW 328 XI
$154
per month
card cover
Nathaniel (37 years old)
coverageCoverage
State Minimum
locationAspen, CO
(Zip Code: 81612)
carJeep Grand Cherokee Limited
$180
per month

Do you need more than minimum coverage in Aspen?

You probably need more than minimum coverage in Aspen because it hosts many wealthy tourists and residents who drive expensive cars.
If you get into a car accident and the other driver’s vehicle is a total loss, you can bet $15,000 of property damage liability won’t be nearly enough to replace it. And let’s not forget:
Colorado car accident laws
give the injured party up to three years after the date of the accident to sue you for any remaining property damages or medical expenses.
The bottom line: Opt for 50/100/50—or better yet, 100/300/100—liability coverage if you can afford it.
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Expert Insight

avatar
VP Insurance Operations, 18+ Years Experience in Insurance
A general rule that I recommend is to carry enough coverage to protect your current and future assets – at least $100,000/$300,000 of liability coverage is recommended, but you may need more coverage depending on your financial situation.

Cheap full coverage car insurance quotes in Aspen

Full coverage car insurance
is the only way to protect yourself from costs associated with repairing or replacing your own vehicle. It includes two types of coverage:
  • Collision coverage
    helps cover the costs of repairs if your vehicle is damaged in an accident with another vehicle or stationary object (such as a tree or road sign).
  • Comprehensive coverage
    helps cover costs associated with non-collision incidents, such as theft, vandalism, falling objects, or hail.
The insurance needs of a leased or financed car depend on who did the leasing or lending. Some companies, like
Chrysler
, are satisfied with the state minimum coverage, but others—including
Honda
and
Nissan
—have specific coverage limits they want you to meet. Nearly every major automotive finance company includes collision, comprehensive, and gap insurance in their contract conditions.2
Have a look at quotes real Jerry users found for full coverage.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 100,000/300,000 Liability
• Comp / Collision
Nationwide
$149
Isaiah, 35
Zip: 81611
Volkswagen Tiguan SE
• State Minimum Liability
• Comp / Collision
Dairyland
$180
Nathaniel, 37
Zip: 81612
Jeep Grand Cherokee Limited
coverageLast Updated Jun 8, 2024

Average cost of car insurance in Aspen

The average cost of car insurance in Aspen is higher than in the rest of Colorado. It costs about $828 per year or $69 per month for state minimum insurance and $1,800 per year or $150 per month for full-coverage insurance.
The reasons have to do with the town’s location and population. Here’s why insurance coverage can be so expensive in Aspen:
  • High-income residents and tourists: Aspen is a playground for the well-to-do, who tend to prefer expensive cars and high trims.3 This increases the average cost of local car insurance claims and your premiums.
  • Lots of young visitors: Aspen sees a ton of visitors, 31% of whom are 25-34 years old. They aren’t as prone to accidents as teen drivers, but they still contribute their fair share to local car accident rates.4
  • Motor vehicle thefts: Colorado’s motor vehicle theft rate skyrocketed in 2022.5 Fortunately, it fell by 19% between 2022 and 2023 with the introduction of increased security measures, but the number of vehicles stolen—and insurance rates in Aspen—remain high.6
  • Natural disasters: A total of 28 significant weather and climate disasters hit the US in 2023, costing a total of $92.9 billion in property damages. The worst threat to Colorado wasn’t snow or hail but summer wildfires.7 Whatever the cause, insurers charge more to insure vehicles in risky areas.

Car insurance quotes in Aspen by rating factors 

Insurance companies in Aspen use many rating factors when deciding your auto insurance premium: 
  • Your age: Teen and senior drivers often face the highest insurance premiums, as these age groups are considered high-risk among insurers. 
  • Your driving record and claims history: Accidents, tickets, or other traffic violations on your driving record could result in higher premiums.
  • How you use your car: Your annual mileage can play a role in what you pay for coverage. Insurance companies often charge more when you put more miles on your car.
  • Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims. 
  • Your vehicle: Liability coverage could cost more for popular models. Collision and comprehensive coverage costs more for luxury, high-performance, and sports cars.

How do different factors impact your car insurance costs in Aspen?

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Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
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Prohibited (or effectively prohibited): Colorado currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Aspen:

Cheap car insurance quotes in Aspen after driving violations

Your driving history has a significant impact on car insurance rates. Violations on your
Colorado driving record
can drive up the cost of your annual premiums, especially if you have serious infractions.
Some common violations that could increase your insurance rates include:
  • Speeding
  • DUIs
  • At fault accident 
  • Reckless driving 
  • Driving on a suspended license

Cheapest car insurance in Aspen after DUI

Drivers with a DUI are considered high-risk, which results in steep increases to your annual premium.  
Car insurance rates can also vary dramatically between insurance providers when you have a
DUI on your Colorado driving record
—so comparing rates is the best way to find the most affordable option after a DUI offense.  
The good news is that Jerry has helped many drivers in Aspen obtain affordable auto insurance rates after a DUI.
card cover
Joe (38 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationAspen, CO
(Zip Code: 81611)
$66
per month
card cover
Florence (34 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationAspen, CO
(Zip Code: 81611)
$81
per month

Cheapest car insurance in Aspen after an at-fault accident

Insurance companies look at previous at-fault accidents on your record to determine how much of a risk you pose to insure. 
If you have an at-fault accident on your Colorado driving record, you could see a steep increase in your insurance rates when your policy is up for renewal.
Check out what Jerry drivers paid for car insurance after various types of accidents below:
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Progressive
$221
Jack, 28
Zip: 81611
BMW 328 XI
• State Minimum Liability
At Fault With No Injury
Travelers
$110
Florence, 35
Zip: 81611
Volkswagen Tiguan SE
• 100,000/300,000 Liability
• Comp / Collision
Not At Fault
Nationwide
$149
Thomas, 35
Zip: 81611
Volkswagen Tiguan SE
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
State Auto
$154
Laura, 28
Zip: 81611
BMW 328 XI
• State Minimum Liability
coverageLast Updated Jun 12, 2024

Cheapest car insurance in Aspen after other driving violations

Car insurance premiums are sensitive to any mistake, big or small—whether it’s a speeding ticket, DUI conviction, or any other traffic violation.
Here are some examples of how Jerry has helped other Aspen drivers find cheap car insurance despite previous violations.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Careless Driving
Progressive
$221
Tom, 28
Zip: 81611
BMW 328 XI
• State Minimum Liability
coverageLast Updated Jun 8, 2024

Cheap car insurance quotes in Aspen by age

The data shows that drivers under 25 pay more for car insurance, while mature drivers (defined as 55 or older) pay less.8 Whether you're a teenage driver or a senior driver who falls outside these bounds, here's how to make the most of your age.

Cheapest car insurance in Aspen for young drivers

The leading cause of death among teens is motor vehicle crashes. They’re also more likely to engage in risky behaviors like speeding, forgetting their seat belts, or driving under the influence.9 Accordingly, teen drivers under the age of 25 pay the highest amount for car insurance—almost three times as much as a 55-year-old driver for the same coverage in 2023.10 
Here are a few rates young Aspen motorists found with Jerry. 
card cover
Mayme (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationAspen, CO
(Zip Code: 81612)
$65
per month
card cover
Ida (18 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationAspen, CO
(Zip Code: 81612)
$72
per month

Cheap car insurance in Aspen for senior drivers

Similar to teen drivers, senior drivers also pose a heightened risk to insurance companies. 
As losses to hearing, vision, and reflexes take their toll, older drivers over the age of 70 show more of a risk of getting into a car accident, although not as high as young drivers. They’re also prone to suffering more severe injuries. The good news is that fatalities for senior drivers have begun to drop as new driver-assistance vehicle technology makes its way onto the market.11
card cover
Carlos (70 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationAspen, CO
(Zip Code: 81611)
$65
per month
card cover
Jeanette (69 years old)
coverageCoverage
State Minimum
locationAspen, CO
(Zip Code: 81611)
$71
per month

Cheap car insurance quotes in Aspen based on insurance history

Just as each additional year of driving experience can help lower your rates, every year you stay insured contributes to a good insurance history.
Car insurance lapses
make providers nervous because they indicate you might have skipped a few payments or worse, gone uninsured. Your premiums will be higher as a result.12
Even those with insurance lapses on their record have been able to find coverage through Jerry.
card cover
Allie (37 years old)
Currently Insured
coverageCoverage
State Minimum
locationAspen, CO
(Zip Code: 81612)
carJeep Grand Cherokee Limited
$231
per month
card cover
Adrian (35 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationAspen, CO
(Zip Code: 81611)
$149
per month
card cover
Mable (35 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationAspen, CO
(Zip Code: 81611)
$110
per month
card cover
Belle (28 years old)
Not Currently Insured
coverageCoverage
State Minimum
locationAspen, CO
(Zip Code: 81611)
carBMW 328 XI
$154
per month
card cover
Rosa (37 years old)
Currently Insured
coverageCoverage
State Minimum
locationAspen, CO
(Zip Code: 81612)
carJeep Grand Cherokee Limited
$242
per month

Cheap car insurance quotes in Aspen for drivers with poor credit

Drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. 
For instance, drivers with good credit (710-740) pay 49% more for car insurance than drivers with excellent credit (823+). Meanwhile, drivers with poor credit (524-577) pay 44% more than the former and 115% more than the latter.13
Unfortunately, Colorado hasn’t yet banned the use of credit scores to decide premiums, but Jerry can help you find the most affordable rates in every credit rating bracket.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
660 - 750
Progressive
$221
Mason, 28
Zip: 81611
BMW 328 XI
• State Minimum Liability
660 - 750
State Auto
$154
Leonard, 28
Zip: 81611
BMW 328 XI
• State Minimum Liability
550 - 659
Bristol West
$242
Brett, 37
Zip: 81612
Jeep Grand Cherokee Limited
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jun 12, 2024

How to lower car insurance costs in Aspen

1. Shop around and compare quotes

Every car insurance company uses its own rules to decide your premiums. According to experts, staying on top of local insurance deals means going
car insurance shopping
every six months and checking out at least three providers each time.
app screenshot
Jerry’s
PriceProtect™ quote-comparison tool makes it easy to check local prices in less than a few minutes.
You’ll see what coverage you can get, how much you’ll have to pay, and who’s offering it all in one easy place.
Plus, the quotes are free.

 2. Hunt for car insurance discounts

Every insurance company offers a set of
car insurance discounts
, but the exact discount offered varies by company. Some common discounts include: 
  • Bundling discounts. If you’re a business owner or homeowner and you need more than one insurance product, look into bundling your policies. You could save up to 25% on the right
    homeowners insurance and auto insurance bundle
    .
  • Good driver discounts: Get insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
  • Good student discounts: Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
  • Telematics discounts: Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, opting for a higher deductible can help keep your monthly expenses low without sacrificing coverage. You could save between 7-28% every year—just don’t make such a huge change that your finances won’t support it.14

FAQ

How much is car insurance in Aspen?

Car insurance in Aspen costs about $69 per month or $828 per year for state minimum coverage. Full coverage insurance costs around $150 per month or $1,800 per year. 

What is the cheapest car insurance in Aspen?

The cheapest car insurance in Aspen is state minimum coverage, which costs about $69 per month or $828 per year. As for the cheapest insurance provider, there’s no easy answer. Insurance rates are so individual that the best way to find a deal is to collect and compare multiple car insurance quotes.

What is the minimum car insurance in Aspen, Colorado?

The minimum car insurance required in Aspen, Colorado, follows the 25/50/15 rule. That means at least:
  • $25,000 of bodily injury liability coverage per person
  • $50,000 of bodily injury liability coverage per accident
  • $15,000 of property damage liability coverage per accident

What is the best car insurance in Aspen?

The best car insurance company in Aspen depends on your priorities. Verified Colorado policyholders who responded to Jerry’s national survey said Say Insurance is the most affordable option, Safeco has the best customer service, and The General provides the most satisfying claims process.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. We analyzed over 25 million car insurance quotes and conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). All average quote data is based on rates for single drivers with a clean record and a single car between the ages of 35 and 65.  
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. 
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Jasmine Kanter
Jasmine Kanter is a non-fiction writer specializing in comprehensive content that's accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance.
Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.
avatar
Maria Cruz
badge icon
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.