Cheap Auto Insurance Quotes in Colorado

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Colorado Car Insurance Averages for Annual Premiums

$510
Minimum Coverage Average
$1720
Full Coverage Average
$1195
All Coverage Types Average

Cheapest Car Insurance in Colorado

Getting cheap car insurance in Colorado doesn't necessarily mean getting a low quality policy.  Many insurance carriers offer discounts on your car insurance policy.  These discounts come from things like:

  • Adding multiple vehicles to a policy
  • Bundling home and auto insurance together
  • Paying for your policy upfront
  • Passing a defensive driving training course
  • Keeping your driving record in good standing
  • Updating your policy info on a regular basis
  • Checking your rates, deductible, and limits
  • Using an anti-theft security system on your car
  • Being careful with the type of vehicle your purchase

Make sure you ask the agent you speak with about what you can do to get Colorado affordable car insurance.  Get them to go through all of the auto insurance discounts they offer so you don't miss any.

 

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Best Car Insurance in Colorado

The Insureist™ Data Science team ranks the best insurance companies in Colorado using multiple factors.  This includes areas such as financial health, reliability, quality, online reviews, and customer service.  Data is gathered from multiple credible sources that include:
  • Forbes
  • Consumer Reports
  • Standard & Poor’s
  • J.D. Power
  • Moody’s
  • A.M. Best

The best auto insurance companies in Colorado are determined based on these results.

Car Insurance in Colorado

Colorado Vehicle insurance pricing will be different from city to city.  The Insureist™ Data Science team analyzed each metro area in Colorado to give you an idea of the average insurance premium in each city.  CO insurance rates will vary depending on your driving record, personal history, and other information unique to your situation.

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Types of Colorado Car Insurance Quotes

The cheapest insurance companies in Colorado will be different from person to person.  This is because everyone has a unique history when it comes to the factors that impact the rate you pay for insurance in Colorado. Average rates may vary depending on the profile and background of the policyholder depending on these and other factors:

  • Age
  • Vehicle make and model
  • Insurance claim history
  • Credit score
  • Driving record
  • Gender
  • Marital status
  • Legal liability requirements
  • Where you live
  • Miles driven each year

Cheap Auto Insurance for Good Drivers

Drivers who drive clean and traffic citations can have car insurance rates significantly lower in the state of Colorado.

Cheap Auto Insurance for Drivers with DUI

Everyone makes a mistake and has to deal with the consequences, but the consequences of a DUI can be severe. These penalties include fines into the thousands of dollars. Finding affordable rates for CO car insurance after a DUI is no small feat, but if you really have trouble getting an affordable rate, consider only liability insurance as a way to save.

Cheap Auto Insurance for Drivers with an At-Fault Accident

Even a tiny fender bender can lift interest rates to levels that will significantly alter your budget. Insurers look at different time frames to track your driving history, from the time of your accident to the date of your accident and even up to a few months later. One company could look at the last five years, while the other could look at the last three years and so on.

Cheap Auto Insurance for Speeding Drivers

Speeding tickets can directly impact the rate you pay for CO auto insurance.  Get enough of them and you can even lose your license.

Cheap Auto Insurance for Young Drivers

Inexperienced drivers pose a higher risk to insurance providers so their rates can be significantly higher than average drivers. Novice drivers should be especially careful to maintain a clean driving record and comply with all speed limits and other driving regulations. Some CO insurance companies can provide more favorable rates than others for younger drives. It's worth getting multiple quotes so you can save money on your monthly insurance premiums.

Colorado SR‌-22 Insurance

You will need to get SR‌-22 insurance in CO if it's ordered by the state or a court. If it's a court that orders it, then the judge will notify you of this at the hearing. If it's ordered by the state, then you will get a letter from the DM/BMV.

Not all drivers need an SR-22. It's generally only required if you are caught driving without a valid license or valid insurance. You may also need an SR-22 in these cases:

  • Convicted of a DUI or DWI
  • Operating a vehicle without insurance
  • Too many violations or accidents where you are at-fault
  • Multiple offenses in a short time frame (i.e. getting 4 speeding tickets within a few months)
  • Refusing to pay child support that is court-ordered
  • Having to obtain a hardship license

The SR-22 is not an insurance policy. It's a document that your insurance company in CO files with the state to prove you have adequate car insurance. This allows you to legally drive again if you are ordered to get an SR-22. Not all insurers offer SR-22s so you may need to shop around.

FAQs - Colorado Car Insurance & Driving Facts

Which car insurance is best in Colorado?

The best car insurance company in Colorado will vary depending on where you are located in the state and what type of coverage you need. It's a good idea to get a quote from multiple CO insurance companies to get the best deal for you. Here are the largest insurance companies in the US that you may consider starting with: State Farm, GEICO, Progressive Corporation, Allstate, USAA, Liberty Mutual, Farmers Insurance Group, Nationwide Mutual Insurance Company, American Family Insurance, The Travelers Companies. Please note that they may or may not provide specific kinds of coverage in your area.

How much car insurance do i need in Colorado?

The minimum auto insurance liability coverage required in the state of Colorado is 25/50/15. This means that you must by law have at least the following coverages: $25000 bodily injury coverage per person, $50000 bodily injury coverage per accident, $15000 property damage coverage per accident. While these are the legal minimums to drive in Colorado, many experts recommend that you get liability coverage of at least 100/300/50 if you can afford it. This means you should strongly consider: $100,000 bodily injury coverage per person, $300,000 bodily injury coverage per accident, $50,000 property damage coverage per accident. You may also consider getting additional CO auto insurance coverage depending on your financial situation.

How much does car insurance cost in Colorado?

The average annual cost of an auto insurance policy in Colorado is $1195. The average minimum coverage annual cost in Colorado is $510. The average full coverage annual cost in Colorado is $1720.

How does car insurance work in Colorado?

Car insurance pays for damage caused by the driver, but can also cover repairs and medical bills. Motorists buy policies from auto insurance companies that promise some coverage for different situations. There are different types of car insurance for drivers in different states, and there are many different levels of coverage available from different companies. Vehicle insurance is mandatory in 48 states, but the specific insurance requirements and costs vary from state to state for each driver.

What are the different types of car insurance in Colorado?

These are the 5 typical components of an auto insurance policy: Liability Coverage - Pays for injuries to people and damage to property caused by you in an accident; Uninsured and Underinsured Motorist Coverage - Pays your medical bills if you are in an accident and the other driver does not have an insurance policy or does not have a big enough one; Comprehensive Coverage - Pays for damage to your car from fire, hail, flood, falling objects, vandalism, hitting an animal, and theft of your car; Collision Coverage - Pays for the repair or replacement of your car after an accident; Medical Payments Coverage - Pays for covering the cost of medical expenses related to an accident.

Additional Insights

Colorado Map

Colorado

Vehicle Insurance

Cities

Colorado (, other variants) is a state in the Mountain West region of the United States. It encompasses most of the Southern Rocky Mountains as well as the northeastern portion of the Colorado Plateau and the western edge of the Great Plains. Colorado is the eighth most extensive and 21st most populous U.S. state. The estimated population of Colorado is 5,758,736 as of 2019, an increase of 14.5% since the 2010 United States Census.

The region has been inhabited by Native Americans for more than 13,000 years, with the Lindenmeier Site containing artifacts dating from approximately 9200 BCE to 1000 BCE; the eastern edge of the Rocky Mountains was a major migration route for early peoples who spread throughout the Americas. The state was named for the Colorado River, which early Spanish explorers named the Río Colorado ("Red River") for the ruddy silt the river carried from the mountains. The Territory of Colorado was organized on February 28, 1861, and on August 1, 1876, U.S. President Ulysses S. Grant signed Proclamation 230 admitting Colorado to the Union as the 38th state. Colorado is nicknamed the "Centennial State" because it became a state one century after the signing of the United States Declaration of Independence.

Colorado is bordered by Wyoming to the north, Nebraska to the northeast, Kansas to the east, Oklahoma to the southeast, New Mexico to the south, Utah to the west, and touches Arizona to the southwest at the Four Corners. Colorado is noted for its vivid landscape of mountains, forests, high plains, mesas, canyons, plateaus, rivers and desert lands. Colorado is one of the Mountain States and is a part of the western and southwestern United States.

Denver is the capital and most populous city in Colorado. Residents of the state are known as Coloradans, although the antiquated term "Coloradoan" is occasionally used. Colorado is a comparatively wealthy state, ranking eighth in household income in 2016, and 11th in per capita income in 2010. Major parts of the economy include government and defense, mining, agriculture, tourism, and increasingly other kinds of manufacturing. With increasing temperatures and decreasing water availability, Colorado's agriculture, forestry and tourism economies are expected to be heavily affected by climate change.

Source

Vehicle insurance (also known as car insurance, motor insurance, or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region.

Source

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