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Finding cheap car insurance in Colorado
Looking for cheap car insurance in Colorado? We've compiled average premiums by company and city so you can see how prices compare. Your own rates will be different, so it's good to get quotes from at least a few companies.
Because rates can vary a lot by company, it's important to compare prices if you're looking for cheap car insurance in Colorado. You can potentially save hundreds of dollars a year by comparison shopping. We looked at premiums reported by EverQuote users in Colorado for large insurance companies. The prices below reflect rates for one driver with a clean record insuring vehicle.
| Company (Click to see reviews) |
Average monthly premium |
|---|---|
| State Farm | $120 |
| Liberty Mutual | $122 |
| American Family | $123 |
| Geico | $125 |
| Allstate | $132 |
| USAA | $137 |
| Esurance | $138 |
| Farmers | $142 |
| Progressive | $149 |
| The General | $150 |
| Source: EverQuote. See full methodology below. | |
The best way to find a good deal is to get quotes from multiple companies. Also keep in mind that the cheapest car insurance company in Colorado for you when you have a good driving record might not be the cheapest if you have tickets, accidents or claims.
Colorado car insurance rates after a speeding tickets
Accidents, claims and tickets for moving violations can all lead to a rate increase at renewal time. We looked at premiums reported by EverQuote users in Colorado who had a speeding ticket on their records compared to those with clean records.
| On driving record | Average monthly premium difference vs. clean record in Colorado |
|---|---|
| Speeding ticket | 33% |
| Source: EverQuote. See full methodology below. | |
Speeding and using the phone while driving can lead to accidents, claims and tickets. Here’s a look at how much Colorado drivers are speeding and using their phones while driving.
Colorado car insurance rates by city
We also compiled Colorado car insurance rates reported by EverQuote users in various cities. Drivers in Fort Collins reported the lowest premiums among the towns we looked at.
| City | Average monthly premium |
|---|---|
| Fort Collins | $100.50 |
| Pueblo | $126.50 |
| Colorado Springs | $130 |
| Denver | $132 |
| Littleton | $135 |
| Arvada | $140.50 |
| Aurora | $143 |
| Source: EverQuote. See full methodology below. | |
How to get cheap car insurance in Colorado
You'll typically get the best rates by comparing prices among multiple insurance companies and keeping a clean driving record.
Other ways to save include:
- Buy your homeowners and auto insurance from the same company for a bundling discount. You can also typically get this discount with renters and condo insurance.
- Increase the deductible on collisions and comprehensive coverage, if you buy them.
- Improve your credit. Car insurance companies often use a credit-based insurance score when determining rates. Those with poor credit often pay more for insurance.
Methodology for premium comparisons
We averaged premiums reported by EverQuote users, based on policies with bodily injury liability coverage of $100,000 in bodily injury per person and $300,000 in bodily injury per accident (known as 100/300). Rates are based on insuring single vehicles with one driver who has a good driving record and no violations. We used premiums for sedans, coupes and hatchbacks. Premiums are based on expenditures reported between Jan. 1, 2016, and April 1, 2018. Your own rates will be different.
Updated May 30, 2018
