Cheap Car Insurance in Colorado 2019

Fast, Free Auto Insurance Quotes


Cheapest auto insurance companies in Colorado

Average Colorado auto insurance premiums by company

Company

(click to see reviews)

Average annual premium in Colorado

The Hartford

$1,517

Travelers Insurance

$1,542

AAA Insurance/Auto Club

$1,549

Dairyland Insurance

$1,587

American Family Insurance

$1,588

State Farm

$1,635

Geico

$1,693

Nationwide Insurance

$1,721

Esurance

$1,727

Liberty Mutual

$1,746

USAA

$1,754

Allstate

$1,764

Safeco

$1,767

Farmers Insurance

$1,843

Progressive Insurance

$1,845

The General

$1,864


Average auto insurance companies in Colorado

Insurance increase after a speeding ticket

Colorado drivers with a speeding ticket pay 26% more than drivers with a clean record, the same as the national average.

State Clean driving record Speeding ticket % increase
Colorado $1,694/year $2,130/year 26%
Nationwide average 26%

Insurance increase after an accident

Colorado drivers who caused an accident pay 32% more than those with a clean record, which is lower than the national average increase.

State Clean driving record Chargeable accident, no injury % increase
Colorado $1,694/year $2,235/year 32%
Nationwide average 36%

Average car insurance premiums in Colorado cities

City

Average annual premium

Arvada

$1,780

Aurora

$1,819

Boulder

$1,582

Brighton

$1,683

Broomfield

$1,549

Castle Rock

$1,754

Colorado Springs

$1,759

Denver

$1,743

Englewood

$1,657

Fort Collins

$1,455

Golden

$1,661

Grand Junction

$1,495

Greeley

$1,495

Littleton

$1,740

Longmont

$1,527

Loveland

$1,496

Parker

$1,837

Pueblo

$1,777

Westminster

$1,795


Auto insurance requirements in Colorado

You must show your insurance ID card (or other proof of financial responsibility) in Colorado when:

  • Law enforcement requests it
  • You renew vehicle registration
  • Your car is involved in an accident

Penalties for not having auto insurance in Colorado

  • First offense: A minimum of a $500 fine
  • Second offense within five years: $1,000 fee; potential imprisonment; potential minimum of 40 hours of community service

Source: Property Casualty Insurers Association of America

Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.

Updated Aug. 22, 2019

Fast, Free Auto Insurance Quotes