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.

Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage	Has Full Coverage
Progressive	$95	Blanche, 31, Wheat Ridge, CO	Bmw X3 Xdrive28I	State Minimum	No
Mendota	$318	Caleb, 20, Denver, CO	Honda Accord Ex	State Minimum	Yes
Bristol West	$123	Justin, 25, Aurora, CO	Hyundai Sonata Se	State Minimum	Yes
Mendota	$60	Edward, 23, Austin, CO	Kia Sportage Lx	State Minimum	No
Trexis	$319	Lawrence, 61, Denver, CO	Chevrolet Trax Ls	State Minimum	Yes

Last Updated Dec 17, 2024

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

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.

Insurance Coverage	Has Full Coverage	Insurance Company	Premium (monthly)	Customer	Car
State Minimum	No	Progressive	$95	Blanche, 31, Wheat Ridge, CO	Bmw X3 Xdrive28I
State Minimum	Yes	Mendota	$318	Caleb, 20, Denver, CO	Honda Accord Ex
State Minimum	Yes	Bristol West	$123	Justin, 25, Aurora, CO	Hyundai Sonata Se
State Minimum	No	Mendota	$60	Edward, 23, Austin, CO	Kia Sportage Lx
State Minimum	Yes	Trexis	$319	Lawrence, 61, Denver, CO	Chevrolet Trax Ls

Last Updated Dec 17, 2024

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.

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LEARN MORE: Types of insurance

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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.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage
Speeding Violation-Minor	Bristol West	$123	Justin, 25, Aurora, CO	State Minimum	Yes
Speeding Violation-Minor	Progressive	$83	Sara, 30, Lone Tree, CO	50/100	Yes
Speeding Violation-Major	Progressive	$362	Nelle, 56, Monument, CO	State Minimum	Yes
Speeding 11-15	Progressive	$326	Leon, 25, Commerce City, CO	State Minimum	No
Speeding Violation-Minor	Progressive	$237	Earl, 35, Lakewood, CO	100/300	Yes

Last Updated Dec 17, 2024

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.

Accident Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage	Has Full Coverage
Not At Fault	Progressive	$34	Cornelia, 32, Montrose, CO	State Minimum	No
Not At Fault	Bristol West	$121	Ollie, 64, Aurora, CO	State Minimum	Yes
At Fault With No Injury	Progressive	$362	Nelle, 56, Monument, CO	State Minimum	Yes
At Fault With No Injury	Bristol West	$68	Nettie, 44, Wheat Ridge, CO	State Minimum	No
Not At Fault	Progressive	$74	Leonard, 34, Greeley, CO	State Minimum	No

Last Updated Dec 17, 2024

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.

Violation	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage
Driving on Sus. License	Progressive	$34	Cornelia, 32, Montrose, CO	State Minimum	No
Other Minor	Progressive	$44	Leonard, 30, Westminster, CO	State Minimum	No
Defective Equipment	Bristol West	$68	Nettie, 44, Wheat Ridge, CO	State Minimum	No
Unsafe Operation of a Motor Vehicle	The General	$111	Celia, 33, Brighton, CO	State Minimum	No
Driving on Sus. License	Progressive	$30	Gavin, 27, Ignacio, CO	State Minimum	No

Last Updated Dec 17, 2024

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.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage	Has Full Coverage
550-659	Progressive	$95	Blanche, 31, Wheat Ridge, CO	Bmw X3 Xdrive28I	State Minimum	No
550-659	Mendota	$318	Caleb, 20, Denver, CO	Honda Accord Ex	State Minimum	Yes
550-659	Bristol West	$123	Justin, 25, Aurora, CO	Hyundai Sonata Se	State Minimum	Yes
<550	Mendota	$60	Edward, 23, Austin, CO	Kia Sportage Lx	State Minimum	No

Last Updated Dec 17, 2024

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

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage	Has Full Coverage
Ford F-150	Progressive	$822	Warren, 37, Denver, CO	100/300	Yes
Ford F-150	The General	$375	Charlotte, 44, Fort Collins, CO	State Minimum	Yes
Subaru Outback Limited	Progressive	$466	Rhoda, 25, Denver, CO	50/100	Yes
Toyota 4Runner Sr5/Sr5 Premium	Progressive	$161	Nellie, 31, Denver, CO	State Minimum	Yes
Chevrolet Silverado K1500	Progressive	$84	Claudia, 22, Woodland Park, CO	State Minimum	No

Last Updated Dec 17, 2024

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LEARN MORE: How to get car insurance before buying a car

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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.

City	Customer	Insurance Company	Premium (monthly)	Car	Insurance Coverage	Has Full Coverage
Wheat Ridge, CO	Blanche	Progressive	$95	Bmw X3 Xdrive28I	State Minimum	No
Denver, CO	Caleb	Mendota	$318	Honda Accord Ex	State Minimum	Yes
Aurora, CO	Justin	Bristol West	$123	Hyundai Sonata Se	State Minimum	Yes
Austin, CO	Edward	Mendota	$60	Kia Sportage Lx	State Minimum	No
Denver, CO	Lawrence	Trexis	$319	Chevrolet Trax Ls	State Minimum	Yes
Montrose, CO	Cornelia	Progressive	$34	Volvo V50 T5	State Minimum	No
Aurora, CO	Ollie	Bristol West	$121	Ford C-Max Se	State Minimum	Yes
Aurora, CO	Cameron	Mendota	$100	Honda Accord Ex	State Minimum	No
Lone Tree, CO	Sara	Progressive	$83	Volkswagen Passat Se	50/100	Yes
Monument, CO	Nelle	Progressive	$362	Kia Sportage Lx	State Minimum	Yes
Westminster, CO	Leonard	Progressive	$44	Chevrolet Trailblazer Ls	State Minimum	No
Colorado Springs, CO	Dominic	Progressive	$658	Ford Edge Sel	State Minimum	Yes
Wheat Ridge, CO	Nettie	Bristol West	$68	Chevrolet Suburban K1500	State Minimum	No
Greeley, CO	Leonard	Progressive	$74	Toyota Matrix Xr	State Minimum	No

Last Updated Dec 17, 2024

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:

1. Shop around and compare quotes between insurance providers.
2. Compare insurance costs before buying a car.
3. Increase your full coverage insurance (comprehensive and collision insurance) deductible.
4. Reduce auto insurance coverage where it’s not needed.
5. Bundle your car and homeowners insurance (or renters and auto) to get a discount.
6. Maintain a good credit score.
7. Ask about eligible car insurance discounts, such as good student discounts, good driver discounts, or low mileage discounts.
8. 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