How to find the cheapest car insurance quotes in Colorado
Finding cheap car insurance that meets your needs can be tricky. That’s why we created Jerry—a platform that makes it easy for Colorado drivers to find and compare car insurance quotes. It’s quick, hassle-free, and helps you find the best deals on insurance regardless of your age, driving history, or coverage needs.
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Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| National General | $70 | Marian, 43, Colorado Springs, CO | Mitsubishi Outlander Le | State Minimum | No |
| National General | $221 | Katie, 20, Colorado Springs, CO | Chrysler 200 | State Minimum | No |
| Trexis | $75 | Leonard, 29, Northglenn, CO | Acura Mdx Touring | State Minimum | No |
| Bristol West | $96 | Shane, 72, Denver, CO | Ford Edge Sel | State Minimum | No |
| Mendota | $54 | Evan, 70, Rye, CO | Toyota Camry Solara Se | State Minimum | No |
Cheapest car insurance companies in Colorado
Looking for the insurance provider who offers the best rates in Colorado? Jerry conducted one of the most extensive insurance surveys in the nation to give you the inside scoop.
There’s no one-size-fits-all model for insurance, and no single company will offer the best rates for every driver.
State Farm, Progressive, USAA, and GEICO have the largest market shares in Colorado and may offer competitive rates for Colorado drivers. But bigger isn’t always better! State Farm is often named as the cheapest car insurance company in Colorado—but in our survey, State Farm was rated just 2.6 out of 5.0 for cost.
Which insurers got the best ratings among Colorado drivers? Safe Auto, Farmers, Safeco and Bristol West all performed well, with average ratings above 4.5 for both policy cost and customer service.
| Insurance Company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| Anchor General | October 31, 2024 | 5 | “I love Jerry’s insurance help it’s made it simple” -Ronnie |
| Esurance | October 29, 2024 | 3 | “I go with them because they’re cheap. That’s it.” -Jared |
| Allstate | October 28, 2024 | 4 | “Cheaper than geico but high deductible and no glass coverage “ -Anthony |
| GEICO | October 27, 2024 | 5 | “They go above and beyond to make sure i have the best rate and coverage for my buck.” -Billy |
| AAA | October 22, 2024 | 5 | “I feel so safe when I know that I have AAA insurance backing me up, because I know if anything happens they will be there to help me” -Iva |
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.
Finding an insurance policy that fits your needs can be tricky, so when you’re ready to shop, shop with Jerry. It’s the easiest and quickest way to compare car insurance quotes online using your smartphone. Jerry partners with over 50 top insurance providers and has 100+ licensed insurance agents to help you find the best coverage and rate.
Minimum car insurance requirements for liability and full coverage in Colorado
Colorado’s car insurance laws mandate that all drivers carry liability insurance, which includes bodily injury and property damage insurance. However, drivers can upgrade to a full coverage plan that covers damage to their car.
Cheapest minimum liability coverage in Colorado
If you’re planning to hit the road in Colorado, you must meet the minimum state insurance requirements for liability insurance.
The state minimum coverage or minimum essential coverage in Colorado follows a 25/50/15 pattern—$25,000 per person and $50,000 per accident for bodily injury liability coverage, and $15,000 for property damage liability coverage per accident.
Do you need more than the minimum liability insurance coverage in Colorado?
Colorado has fairly average liability insurance coverage requirements, but most drivers need more than the 25/50/15 state minimum.
If you’re involved in an at-fault accident, medical bills and vehicle repair costs could easily add up to more than the minimum requirements—especially if another driver incurs serious injuries or severe vehicle damage. A totaled vehicle could cost well above $50,000, while medical bills can quickly exceed $25,000. Colorado car accident laws set the statute of limitations for personal injury lawsuits to three years after a crash, so your liability will extend long after the actual incident passes.
The bottom line: For better financial protection, consider upgrading your liability coverage limits to 50/100/50 or even 100/300/100 liability coverage. Better yet, invest in a full-coverage policy.
Cheapest full coverage Colorado auto insurance quotes
Purchasing a full coverage car insurance policy is the only way to protect yourself from unexpected costs associated with an accident, such as car repair or replacement.
Full coverage includes comprehensive and collision coverage. Collision coverage helps cover the costs of vehicle repair or replacement if your vehicle is damaged in an accident with another vehicle or stationary object, such as a tree or road sign.
Comprehensive coverage, on the other hand, helps cover the cost of repairs to your vehicle that are the result of non-collision-related incidents, such as fire, theft, vandalism, falling objects, or hail.
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Insurance Coverage
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
|---|---|---|---|---|---|
| State Minimum | No | National General | $70 | Marian, 43, Colorado Springs, CO | Mitsubishi Outlander Le |
| State Minimum | No | National General | $221 | Katie, 20, Colorado Springs, CO | Chrysler 200 |
| State Minimum | No | Trexis | $75 | Leonard, 29, Northglenn, CO | Acura Mdx Touring |
| State Minimum | No | Bristol West | $96 | Shane, 72, Denver, CO | Ford Edge Sel |
| State Minimum | No | Mendota | $54 | Evan, 70, Rye, CO | Toyota Camry Solara Se |
Average rates for minimum liability coverage and full coverage car insurance in Colorado
Comparing rates from thousands of insurance policyholders in Colorado, the average cost of minimum liability coverage is $116 per month or $1,395 per year. The average cost for full coverage insurance in Colorado is $209 per month or $2,502 per year.
National average insurance rates are a good way to help predict what you may pay for your own insurance costs, but insurance premiums are determined by a variety of factors, such as your age, location, vehicle make and model, driving record, and claims history.
Other types of Colorado auto insurance
On top of collision and comprehensive coverage, Colorado drivers may also consider the following types of insurance:
- Medical payments (MedPay)
- Personal injury protection (PIP)
- Uninsured motorist/underinsured motorist protection
- Towing and labor coverage
- Gap insurance
If you have a loan on a recently-purchased car, gap insurance helps to cover the difference between the car’s actual cash value and the amount you owe if it’s totaled or stolen.
If you don’t own a car but frequently rent or borrow one, you should consider non-owner car insurance in Colorado. This type of car insurance offers liability coverage for bodily injury and property damage if you are liable in an at-fault accident, but it doesn’t cover damage to the actual vehicle you’re driving or your medical expenses.
LEARN MORE: Types of insurance
Car insurance premium by rating factors
When purchasing an auto insurance policy in Colorado, insurance providers base rates on various factors, including:
- Driving record and claims history: Insurance carriers will charge more if you have accidents or tickets on your driving record.
- Vehicle location: Insurance rates are usually higher if you live in a city like Denver or Colorado Springs. Rates can also vary based on your ZIP code, even in the same city.
- Vehicle make and model: Insurance coverage is more costly for luxury, high-performance, and sports cars.
- How you use your car: Cars driven for work typically have higher insurance premiums than cars used for leisure.
- Your credit score: Drivers with higher credit scores generally pay less for the same coverage level.
How to find cheap Colorado car insurance if you’re a high-risk driver
Your driving history has a significant impact on your car insurance rates. Drivers with a history of offenses tend to be classified as high-risk, leading to higher-than-average premiums.
Cheapest car insurance for Colorado drivers with a speeding ticket
In Colorado, the penalties for speeding vary based on the degree:
- Speeding 5–9 mph over the posted limit: 1 point
- Speeding 10–19 over the posted limit: 4 points
- Speeding 20–39 over the posted limit: 6 points
- Speeding 40–or more over the posted limit: 12 points
A speeding ticket will generally impact car insurance rates, with harsher penalties for harsher offenses. But with Jerry, you can save on car insurance—even with a speeding ticket on your record.
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Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Speeding 11-15 | Progressive | $207 | Victor, 45, Red Feather Lakes, CO | State Minimum | No |
| Speeding Violation-Minor | Bristol West | $137 | Augusta, 30, Severance, CO | State Minimum | Yes |
| Speeding Violation-Minor | Trexis | $179 | Hattie, 37, Aurora, CO | State Minimum | No |
| Speeding Violation-Minor | Trexis | $147 | Nathaniel, 46, Loveland, CO | State Minimum | No |
| Speeding Violation-Minor | Bristol West | $154 | Agnes, 28, Aurora, CO | State Minimum | No |
How to find cheap Colorado auto insurance after a DUI
Regardless of where you live, a DUI on your driving record can have severe implications for your car insurance rates. Drivers with a DUI are considered high-risk drivers, which means a steep increase in your premium.
Car insurance rates can vary dramatically between insurance providers if 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.
Colorado SR-22 insurance
For Colorado drivers that have committed a serious driving violation such as a DUI or reckless driving, an SR-22 is required before you can get back on the road. A Colorado SR-22 is a certificate filed by your insurance company that proves you carry the minimum required car insurance in Colorado.
Following a license suspension or revocation, you will be notified if you need to file an SR-22. To reinstate your driving privilege, your insurance provider must submit this form before you can regain your license.
If you have to file an SR-22 in Colorado, you are deemed a high-risk driver, and you can expect to pay a higher insurance premium than a driver with a clean record. The exact cost you’ll pay depends on the severity of the incident leading to a license suspension.
Remember that some insurers won’t offer insurance for drivers requiring an SR-22 or may offer limited insurance options.
How to find cheap car insurance in Colorado after an at-fault accident
Your driving history is one of the biggest influencing factors for car insurance rates. Insurers look at any previous at-fault accidents to determine how much of a risk they pose to insurers. 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.
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Accident Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| At Fault With No Injury | Bristol West | $87 | Lottie, 29, Arvada, CO | State Minimum | Yes |
| Not At Fault | Progressive | $114 | Bess, 51, Castle Rock, CO | State Minimum | Yes |
| Not At Fault | Bristol West | $158 | Randall, 60, Grand Junction, CO | State Minimum | Yes |
| At Fault With No Injury | Mendota | $329 | Lucile, 36, Denver, CO | State Minimum | Yes |
| At Fault With No Injury | Bristol West | $315 | Rodney, 27, Denver, CO | State Minimum | Yes |
FAQ
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Is Colorado a no-fault state?
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Can you get car insurance without a license in Colorado?
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What is the best car insurance for seniors in Colorado?
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What app searches for the cheapest car insurance?
Cheapest auto insurance after other violations in Colorado
A DUI and speeding tickets aren’t the only driving violations that can increase your insurance premium. Other violations like careless or reckless driving, driving without insurance, or driving with a suspended license are also serious offenses that can cause your insurance costs to increase.
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Violation
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Failure to Yield | Progressive | $176 | Dora, 19, Montrose, CO | State Minimum | No |
| Driving on Sus. License | Progressive | $172 | Violet, 31, Denver, CO | State Minimum | Yes |
| Other Minor | Bristol West | $821 | Justin, 25, Denver, CO | State Minimum | Yes |
| DUI | Dairyland | $114 | Francis, 29, Englewood, CO | State Minimum | No |
| Defective Equipment | Kemper | $80 | Joshua, 27, Longmont, CO | State Minimum | No |
How to find cheap Colorado car insurance based on your insurance history
Your insurance history—whether you have car insurance or not—also plays a role in your insurance premium. Generally, the longer you have been insured, the lower your car insurance premium should be. Insurers look at your record to determine if you’ve had a lapse in insurance. Depending on the duration, a lapse in insurance coverage could lead to being labeled a “high-risk driver,” which comes with a steep premium.
To avoid missing a payment or lapsing in insurance coverage, Jerry offers eligible drivers the option to turn on notifications warning you when it’s time to make a payment or if you’ve missed a payment.
How to find cheap Colorado car insurance with a low credit score
Finding affordable car insurance with a poor credit score can be tricky. Insurers use credit reports to indicate a driver’s likelihood to make a claim—the lower the credit score, the higher the insurance cost you will face. While your credit score may not be a good indicator of how you drive, individuals with low credit scores get penalized regarding premiums.
On average, Colorado drivers with poor credit scores can see rates about 93% higher than drivers with good credit scores. That said, whether your credit affects your auto insurance rate depends on your state. The degree to which it affects premiums varies between states and auto insurance companies.
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Credit Range
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Insurance Company
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Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| 750+ | National General | $298 | Nina, 33, Colorado Springs, CO | Nissan Rogue S | State Minimum | Yes |
| 550-659 | Bristol West | $83 | Lura, 31, Denver, CO | Bmw X3 Xdrive28I | State Minimum | No |
| 660-750 | Bristol West | $87 | Lottie, 29, Arvada, CO | Kia Optima Ex | State Minimum | Yes |
| 550-659 | Progressive | $114 | Bess, 51, Castle Rock, CO | Nissan Rogue S | State Minimum | Yes |
How to find cheap auto insurance in Colorado for your age
Young drivers (under 25) see the highest insurance premiums due to a lack of driving experience and a higher risk of accidents and claims. After 25, car insurance rates typically decline steadily and start rising again after 60.
If you’re looking for cheap insurance as a young or elderly driver, Travelers, State Farm, Geico, and USAA generally offer some of the most competitive rates.
The best car insurance companies in Colorado for young drivers
Drivers aged 16 to 19 tend to pay the highest insurance premiums of any age bracket in the Centennial State due to limited driving experience. As a driver gains more experience behind the wheel, rates will decrease. In general, cheap auto insurance is more plausible after 25.
For drivers under 19 with a new vehicle, opting for a full coverage policy may be more costly, but it offers greater protection against accidents due to a lack of driving experience.
The best car insurance companies for senior drivers in Colorado
Once you hit your mid-70s, the cost of car insurance starts to increase again. Premiums tend to be higher for seniors for several reasons. Older people are at a higher risk of mortality, hospitalization, and medical expenses from car accidents, but they also have slower reflexes than younger people, which can increase the risk of an accident. Together, these lead to older drivers paying higher rates for car insurance.
How to find car insurance discounts in Colorado for your motor vehicle
Your vehicle’s make and model also influence how much you pay for car insurance. Cars with a higher book cost tend to have higher premiums. But in general, the costs associated with your car that can drive up insurance rates include:
- Repairs or replacements
- Likelihood of theft
- Safety record
Some of the most popular cars among Colorado drivers include:
- Ford F-150
- Chevrolet Silverado
- Subaru Outback
- Toyota Tacoma
- Toyota 4Runner
- Subaru Forester
- Toyota RAV4
- Honda CR-V
- GMC Sierra
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Popular Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Toyota Rav4 Xle | Mendota | $329 | Lucile, 36, Denver, CO | State Minimum | Yes |
| Ford F-150 | Bristol West | $412 | Evan, 21, Longmont, CO | State Minimum | Yes |
| Toyota 4Runner Limited | Safeco | $197 | Nellie, 38, Denver, CO | State Minimum | Yes |
| Ford F-150 Supercrew | Mendota | $160 | Louise, 26, Longmont, CO | State Minimum | Yes |
| Subaru Forester 2.5X Limite | Progressive | $114 | Beatrice, 32, Pueblo, CO | State Minimum | Yes |
LEARN MORE: How to get car insurance before buying a car
Is it cheaper to insure a new car or a used car?
The value of a car usually decreases with age, but that doesn’t mean older cars are always cheaper to insure than a new car. Insurance premiums are determined by how much an insurer would have to pay if a car was damaged, so a car’s resiliency must be considered.
Newer cars have more safety features that can increase their resiliency and, therefore, your premium. However, pitted against an older car with fewer safety features, a new car might command a higher insurance premium because it has more valuable parts.
Generally, a newer car is more expensive to insure than an older one.
How to find cheap car insurance in Colorado in your city
Your location is an important factor for insurers to consider when determining a premium because it affects the likelihood of your vehicle being damaged or stolen. People who live in urban areas tend to pay higher premiums than small towns or rural areas. Where you park your car also matters—in a driveway or secure parking space versus on the street.
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City
|
Customer
|
Insurance Company
|
Premium (monthly)
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Colorado Springs, CO | Nina | National General | $298 | Nissan Rogue S | State Minimum | Yes |
| Denver, CO | Lura | Bristol West | $83 | Bmw X3 Xdrive28I | State Minimum | No |
| Englewood, CO | Ethel | Progressive | $79 | Kia Spectra Ex | State Minimum | No |
| Arvada, CO | Lottie | Bristol West | $87 | Kia Optima Ex | State Minimum | Yes |
| Castle Rock, CO | Bess | Progressive | $114 | Nissan Rogue S | State Minimum | Yes |
| Grand Junction, CO | Randall | Bristol West | $158 | Nissan Altima 2.5 | State Minimum | Yes |
| Denver, CO | Lucile | Mendota | $329 | Toyota Rav4 Xle | State Minimum | Yes |
| Denver, CO | Rodney | Bristol West | $315 | Kia Optima Ex | State Minimum | Yes |
| Colorado Springs, CO | Agnes | Progressive | $118 | Chevrolet Cruze Lt | State Minimum | No |
| Brighton, CO | Henry | National General | $596 | Ram 1500 Big Horn | 50/100 | Yes |
| Pueblo, CO | Mason | Trexis | $329 | Nissan Altima S | State Minimum | Yes |
| Montrose, CO | Dora | Progressive | $176 | Nissan Altima 2.5 | State Minimum | No |
| Longmont, CO | Evan | Bristol West | $412 | Ford F-150 | State Minimum | Yes |
| Greeley, CO | Jeremy | Progressive | $83 | Hyundai Tucson Gls | State Minimum | Yes |
How to lower the cost of car insurance in Colorado
Finding affordable car insurance can be challenging, but here are some tips from Jerry’s team of experts for how to reduce your car insurance costs in Colorado:
- Shop around and compare quotes between insurance providers.
- Compare insurance costs before buying a car.
- Increase your full coverage insurance (comprehensive and collision insurance) deductible.
- Reduce auto insurance coverage where it’s not needed.
- Bundle your car and homeowners insurance (or renters and auto) to get a discount.
- Maintain a good credit score.
- Ask about eligible car insurance discounts, such as good student discounts, good driver discounts, or low mileage discounts.
- Take a defensive driving course.
Why is car insurance so expensive in Colorado?
Car insurance in Colorado tends to be more than 20% higher than in the rest of the country. Here are a few reasons why:
- Higher number of road accidents
- More uninsured drivers
- Expensive auto repairs
- Increasing population density
- High healthcare costs
- Increasing highway density
- High vehicle theft rate
FAQ
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How much is car insurance in Colorado?
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What is the cheapest car insurance in Colorado?
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What are the best car insurance companies in Colorado?
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What us the minimum car insurance required in Colorado?
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Do you need insurance to register a car in Colorado?
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Can your car get towed for no insurance in Colorado?
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Does insurance follow the car or the driver in Colorado?
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What does full coverage car insurance consist of in Colorado?
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Can you have out-of-state car insurance in Colorado?
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Is PIP required in Colorado?
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Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
