Cheap Car Insurance in Colorado
It is mandatory to get car insurance in Colorado for drivers to drive legally in the state. Auto insurance costs may be 10-15% higher in Colorado than in other states in the USA. Different companies in Colorado provide car insurance at different rates. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in Colorado:
| Name of the Company | Average annual car insurance premiums |
| The Hartford | $847 |
| Auto-Owners | $1185 |
| Travelers | $1201 |
| USAA | $1410 |
| Cal Casualty | $1478 |
| Allied | $1499 |
| State Farm | $1536 |
| Nationwide | $1677 |
| Titan | $1801 |
| MetLife | $1853 |
| Esurance | $1872 |
| Allstate | $1893 |
| Grange | $1920 |
| GEICO | $2116 |
| American Family | $2283 |
| Unitrin | $2378 |
| Colorado Farm Bureau | $2480 |
| Safeco | $2502 |
| Farmers | $2610 |
| Metropolitan | $2773 |
| Progressive | $2957 |
| Encompass | $3486 |
Cheap car insurance in Colorado for good drivers
Car insurance companies may charge high car insurance premiums from drivers in Colorado with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in Colorado may provide 10-15% discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in Colorado by maintaining a good driving record.
- Drivers with no traffic ticket may save $316 on car insurance premiums in Colorado.
- Drivers may save $706 on car insurance premiums if they have an accident-free record in Colorado.
- By maintaining a good credit history you may save $1013 on car insurance premiums in Colorado.
Cheap car insurance for inexperienced drivers in Colorado
Most auto insurance providers may charge high auto insurance premiums in Colorado from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers. Auto insurance premiums in Colorado vary according to the age of the drivers. Some companies charge high auto insurance costs from young drivers in Colorado.
| Age | Average annual auto insurance premiums |
| 16 | $7420 |
| 17 | $6396 |
| 18 | $5608 |
| 19 | $3446 |
| 20s | $2136 |
| 30s | $1730 |
| 40s | $1670 |
| 50s | $1553 |
| 60s | $1558 |
| 70s | $1762 |
Affordable auto insurance in Colorado for high-risk drivers
Car insurance companies in Colorado charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in Colorado can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history and good credit record in Colorado may get discounts on car insurance policies.
Average auto insurance cost by gender in Colorado
Some car insurance companies in Colorado may charge different auto insurance premiums from men and women.
| Gender | Average annual auto insurance premium |
| Male | $1762 |
| Female | $1763 |
Average auto insurance premiums in Colorado by Marital Status
In Colorado, married drivers may save $126 on a car insurance policy. Most car insurance companies in Colorado charge higher car insurance premiums from single drivers than married drivers.
| Marital Status | Average annual car insurance premiums |
| Single | $1763 |
| Married | $1640 |
| Divorced | $1763 |
| Widowed | $1684 |
Average car insurance premiums by credit score in Colorado
Car insurance companies in Colorado consider a credit score of the driver to decide the car insurance policy cost. Car insurance providers in Colorado provide car insurance policies at cheaper rates to those drivers who have a good credit record than those who have a bad credit record because drivers with good credit scores are less likely to file claims.
| Credit Level | Average annual auto insurance premiums |
| Very poor | $3232 |
| Fair | $2642 |
| Good | $2214 |
| Very Good | $1860 |
| Exceptional | $1530 |
Best car insurance companies in Colorado
Some companies in Colorado charge lower car insurance premiums than others. To get the best auto insurance policy in Colorado you should check the reputation and services of the insurance companies because finding an affordable car insurance policy is not just enough. You can find the best auto insurance company in Colorado by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in Colorado:
- Allied
- Allstate
- American Family
- Amica
- Auto-Owners
- Colorado Farm Bureau
- Encompass
- Farmers
- GEICO
- MetLife
- Nationwide
- Progressive
- State Farm
- Travelers
- USAA
What auto insurance coverage is mandatory to purchase for drivers in Colorado?
The average annual cost to get the minimum required coverage in Colorado may be around $678. The minimum required coverage for drivers in Colorado to drive legally in the state is:
| Coverage type | Coverage limit |
| Bodily injury coverage per person | $25000 |
| Bodily injury per accident | $50000 |
| Property damage per accident | $15000 |
The state minimum auto insurance requirements in Colorado
The state minimum auto insurance coverage requirement in Colorado is liability coverage.
- $25000 bodily injury coverage per person is required in Colorado.
- $50000 bodily injury coverage per accident is required in Colorado.
- $15000 property damage coverage per accident is required in Colorado.
Other types of optional coverages in Colorado are:
- Comprehensive
- Collision
- Roadside Assistance
- Uninsured Motorist Bodily Injury
- Loan/Lease Payoff
- Medical and Funeral Services
- Rental Car Reimbursement
- Uninsured Motorist Property Damage
Fine for driving without car insurance in Colorado
If anyone caught driving without a car insurance policy in Colorado then the police may charge a fine.
Car insurance prices by cities in Colorado
Car insurance premiums in Colorado may vary from city to city. In some cities of Colorado, car insurance prices are high compared to others.
| City | Average annual insurance premiums |
| Pueblo | $2187 |
| Aurora | $2014 |
| Lakewood | $2013 |
| Denver | $1955 |
| Colorado Springs | $1900 |
| Commerce City | $1846 |
| Security-Widefield | $1783 |
| Northglenn | $1765 |
| Centennial | $1752 |
| Parker | $1746 |
| Arvada | $1738 |
| Littleton | $1700 |
| Castle Rock | $1685 |
| Highlands Ranch | $1683 |
| Brighton | $1670 |
| Greeley | $1640 |
| Boulder | $1636 |
| Broomfield | $1625 |
| Longmont | $1593 |
| Fort Collins | $1540 |
| Loveland | $1476 |
| Grand Junction | $1397 |
If you are looking for a car insurance deal in Colorado, you can compare car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.
